Making payments through UPI has become a daily habit for most of us. Now imagine the ease of paying via UPI while earning cashback and rewards—thanks to UPI credit cards! These cards, especially RuPay credit cards, let you link your credit card with popular UPI apps like PhonePe, Google Pay, and Paytm. Whether you’re shopping online or scanning a QR code at your local store, credit card UPI payments are fast, secure, and rewarding.
Banks like HDFC and RBL have introduced some of the best UPI credit cards that support RuPay credit card UPI linking. For example, the HDFC RuPay credit card offers seamless UPI compatibility along with exciting benefits. So, if you’re searching for a card that lets you make RBL credit card payment UPI-style or want to explore the best options in this space, you’re at the right place. Let’s dive into the top UPI credit cards in India today!
Top 7 UPI Credits Cards August 2025
| S.No | Credit Card Name | UPI Compatible | Annual Fee |
|---|---|---|---|
| 1. | HDFC Bank RuPay Credit Card | Yes | ₹0 – ₹500 |
| 2. | SBI SimplySAVE RuPay Credit Card | Yes | ₹499 |
| 3. | Axis Bank RuPay Credit Card | Yes | ₹0 – ₹500 |
| 4. | Bank of Baroda Easy RuPay Credit Card | Yes | ₹500 (Reversed on Spend) |
| 5. | AU Bank InstaPay RuPay Credit Card | Yes | ₹0 (Lifetime Free) |
| 6. | ICICI Bank Coral RuPay Credit Card | Yes | ₹500 (Reversed on Spend) |
| 7. | IDFC FIRST Power RuPay Select Credit Card | Yes | ₹0 (Lifetime Free) |
1. Tata Neu Infinity HDFC Bank Credit Card
- Card Network: RuPay – Fully supports UPI, making it ideal for daily UPI credit card payments.
- Best For: Those who shop on Tata Neu, BigBasket, 1mg, AirAsia, or Croma frequently.
- UPI Support: You can link this RuPay credit card with UPI apps like PhonePe or Google Pay to make secure credit card UPI payments with ease.
- NeuCoins Rewards: Earn up to 5% NeuCoins on Tata brand spends and 1.5% on other spends.
- No Extra UPI Charges: Currently, there are no RuPay credit card UPI charges when using UPI for credit card transactions, but it’s wise to check with the bank or Razorpay credit card policy updates.
- Credit Card to UPI Transfer: Make everyday payments from your credit card to UPI-enabled merchant QR codes—no need to carry cash or debit cards.
- Annual Fee: ₹1,499 + GST (Waived on annual spends of ₹3L).
- Tata Neu App Benefits: Extra benefits and offers when you use this card through the Tata Neu app.
- UPI for Credit Card Users: A perfect match for users who prefer using UPI payment through credit card without the hassle.
This card blends reward points, UPI access, and Tata brand benefits, making it one of the best options for those looking to enjoy credit card to UPI convenience.
2. YES Bank BankBazaar Finbooster RuPay Credit Card
- UPI Ready: This is a RuPay credit card, so you can easily link credit card to UPI apps like Google Pay, PhonePe, Paytm, and BHIM.
- UPI Credit Card Access: You can now pay UPI using credit card without needing your debit card or cash. It’s simple and secure.
- Smart Payments: Use credit card to UPI payment for groceries, shopping, food delivery, and more at any UPI-enabled merchant.
- Apply Online: You can apply for this UPI credit card online through BankBazaar or the YES Bank website—no paperwork needed.
- Credit Score Tracker: Get monthly updates on your Experian credit score and personalised tips to boost it.
- Rewards on UPI Too: Earn reward points even on UPI payment from credit card, so every swipe or scan gives you something back.
- Low Annual Fee: Lifetime free card or minimal charges depending on approval via BankBazaar.
- YES Bank UPI Integration: YES Bank credit card payment via UPI is fast and seamless through the YES Pay app or third-party UPI apps.
- Use Anywhere: Whether it’s scanning QR codes or making bill payments, UPI with credit card is accepted widely across India.
- Works with All UPI Apps: This card supports most credit card UPI apps, so you don’t have to switch platforms.
This card is a solid option if you’re looking to combine the benefits of credit card rewards and the flexibility of UPI.
3. Kiwi RuPay Credit Card (powered by YES Bank)
- UPI-Friendly Credit Card: The Kiwi RuPay Credit Card is built to let you use credit card for UPI payments across all UPI-enabled merchants.
- Instant UPI Integration: Easily link this RuPay credit card with any UPI app like PhonePe, GPay, Paytm, or BHIM—no waiting time, no hassle.
- Pay Anywhere with UPI: From street vendors to online stores, enjoy UPI payment via credit card without carrying cash or debit cards.
- Smart UPI Payments: Make seamless UPI using credit card transactions through a mobile app—fast, secure, and fully digital.
- Earn Rewards on UPI Spends: Every time you scan and pay, you earn cashback or points—yes, even on UPI through credit card payments.
- Accepted Everywhere: Whether it’s groceries or dining, you can use UPI via credit card wherever QR codes are accepted.
- Zero Setup Charges: No extra steps or hidden fees to activate UPI payment using credit card—just apply and start spending.
- Backed by YES Bank: With YES Bank’s trusted infrastructure, credit card payment through UPI is safe, reliable, and real-time.
Looking for a modern and easy way to go cashless? The Kiwi RuPay Credit Card is a smart pick if you want the freedom of UPI with the power of a credit card.
4. Axis Bank SuperMoney RuPay Credit Card
- Best for UPI Payments: The Axis Bank SuperMoney RuPay Credit Card lets you easily make UPI payment with credit card using apps like CRED, PhonePe, Paytm, or GPay.
- Link Instantly: You can quickly link credit card to UPI and start making payments within minutes—no long setup required.
- Smart Spending via UPI: Whether you’re paying for groceries, shopping online, or dining out, you can now make UPI from credit card without any issue.
- Rewarding UPI Experience: Use the CRED UPI app for payments and enjoy benefits like CRED UPI cashback and credit card reward points together.
- All-in-One Credit Card: This card stands out among all RuPay credit cards for combining Axis Bank’s benefits with full UPI support.
- UPI + Credit = Convenience: It’s a powerful credit card for UPI payment—ideal for people who want the flexibility of UPI with the advantage of credit.
- Earn While You Spend: Every credit card for UPI payments earns points on everyday transactions, even those made via UPI.
- Axis Bank Advantage: Enjoy fast Axis credit card UPI payment, quick app support, and smooth customer service with this offering.
If you’re looking to simplify payments while earning rewards, the Axis Bank SuperMoney RuPay Credit Card is a great choice. It’s the perfect balance of UPI freedom and credit card benefits.
5. AU Bank InstaPay Credit Card
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Credit Card with UPI Access: The AU Bank InstaPay Credit Card is designed to let you make seamless UPI payments through credit card at millions of UPI-enabled merchants.
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Instant UPI Linking: This RuPay-powered card allows you to link your credit card to UPI on apps like PhonePe, GPay, Paytm, and BHIM within seconds—no delays, no paperwork.
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Credit Card on UPI for Daily Use: Use this credit card for UPI transactions across local kirana stores, cafes, fuel stations, and even street vendors.
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Digital-First UPI Credit Card: Make fast, secure, and fully digital payments through UPI using credit card—perfect for those who prefer going cashless.
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No Hidden UPI Charges: Enjoy low to zero credit card to UPI transfer charges. AU Bank keeps credit card UPI charges minimal—great for daily scanning and paying.
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Rewards on Every UPI Spend: Earn cashback or reward points when you use this credit card on UPI—yes, even small QR code transactions count.
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Smart UPI Credit Card Experience: Whether you’re doing groceries or dining out, scan and pay via UPI with your AU InstaPay Credit Card like a pro.
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One of the Best Credit Cards Linked to UPI: With full UPI integration and strong acceptance, this card is a top pick for users seeking credit card UPI payment benefits.
6. ICICI Bank Coral RuPay Credit Card
- Best RuPay Credit Card for UPI: The ICICI Coral RuPay Credit Card stands out as one of the best UPI credit cards in India, combining lifestyle benefits with smooth UPI functionality.
- RuPay-Powered UPI Access: As a RuPay UPI credit card, it lets you scan and pay using UPI apps like PhonePe, Google Pay, Paytm, or BHIM—without needing a debit card.
- Credit on UPI Simplified: Whether you’re buying groceries, dining out, or shopping at your local market, this card gives you credit on UPI with no extra effort.
- Smart UPI Credit Card: Enjoy fast, secure payments through credit UPI across any UPI-enabled QR code—fully digital, cash-free, and easy to use.
- Rewards + UPI: Get reward points even when using UPI with your credit card—making this one of the best UPI-based credit cards with real value.
- Lifetime Free Option Available: For eligible ICICI customers, this is also among the best RuPay credit cards for UPI lifetime free—ideal if you want savings + convenience.
- Low Maintenance, High Utility: As part of the growing UPI-based credit cards in India, Coral RuPay is reliable, accepted widely, and easy to manage with the iMobile app.
- Stylish & Functional: While being a part of the UPI-based credit cards list, this card also gives you dining discounts, movie offers, and access to ICICI’s premium support.
- Top Pick for UPI Users: If you’re looking for a UPI RuPay credit card that gives you credit access + lifestyle benefits + UPI integration—Coral RuPay is a smart pick.
7. IDFC FIRST Power RuPay Select Credit Card
- All RuPay Credit Card Benefits: The IDFC FIRST Power RuPay Select Credit Card is a solid option among all RuPay credit cards, designed for smooth UPI and lifestyle use.
- UPI Payment Using Credit Card: With this card, you can make UPI payment using credit card—ideal for quick grocery runs, cab rides, or even your favorite chai tapri.
- Credit Card Payment Through UPI: No more carrying cash or juggling debit cards. Enjoy credit card payment through UPI directly via apps like BHIM, Google Pay, and Paytm.
- UPI Using Credit Card, Made Easy: This card allows UPI using credit card without any fuss. Just link it to your UPI app and scan any QR—simple, fast, and secure.
- Use Credit Card for UPI, Anytime: Whether you’re paying rent, buying medicines, or refueling, you can use credit card for UPI without any compromise on speed or ease.
- UPI Through Credit Card with Zero Hassle: The card supports seamless UPI through credit card for all your day-to-day transactions. One tap and you’re done.
- UPI via Credit Card – No Wallet Needed: Forget topping up wallets. This card lets you do UPI via credit card straight from your UPI app—direct credit usage, no detours.
- Rewards on UPI From Credit Card: You’ll earn reward points even when making UPI from credit card. That means every QR scan gives you something back.
- UPI Payment With Credit Card—Zero Stress: With zero joining fee and low annual charges, the Power RuPay Select is one of the smartest ways to do UPI payment with credit card today.
- Perfect for Digital Natives: If you want a card that offers UPI + rewards + simplicity, this one checks all the boxes for the modern spender.
What are UPI based credit cards in India?
UPI based credit cards in India are RuPay credit cards that can be linked to UPI apps for seamless digital payments.
Can you share a UPI based credit cards list?
Yes, popular UPI credit cards include HDFC RuPay Credit Card, SBI RuPay Credit Card, and ICICI Coral RuPay Credit Card.
Which are the best UPI based credit cards right now?
The best UPI credit cards include IDFC FIRST Power RuPay Select and HDFC RuPay Credit Card for rewards and UPI integration.
What is a RuPay Credit Card?
A RuPay credit card is an Indian credit card network that supports credit card UPI payments via BHIM, Google Pay, etc.
Which is the best RuPay credit card for UPI payments?
The best RuPay credit card for UPI is the HDFC RuPay Credit Card for its rewards and wide UPI app compatibility.
What is special about the HDFC RuPay Credit Card?
The HDFC RuPay Credit Card allows credit card UPI payments while offering cashback and rewards on spends.
Is there an SBI RuPay credit card for UPI?
Yes, the SBI RuPay credit card supports UPI via credit card and offers great welcome benefits and fuel surcharge waivers.
Which is the best RuPay credit card for UPI that is lifetime free?
The best RuPay credit card for UPI lifetime free is IDFC FIRST’s RuPay Select Credit Card, with zero joining or annual fees.
Trending Credit Cards In India July 2025
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