RuPay credit cards can be linked to UPI apps like Google Pay, PhonePe and Paytm. You scan any merchant QR code, pay from your credit limit, and get up to ~50 days of interest-free credit — plus rewards on many cards.
That means everyday payments at kirana stores, cafés and petrol pumps can now earn cashback or points, which was impossible with a regular debit-card UPI account.
⚡ High approval🆓 Lifetime free
Roarbank × Unity SFB
RuPay
★ 4.1 / 5
Up to 20% cashback on 2 categories you pick each month
- 🎯Up to 20% back on 2 categories you choose
- 📲2-in-1 with UPI savings + credit in one app
- ⏳62 days interest-free credit
Annual feeLifetime Free
RewardsUp to 20% cashback
Apply Now — it's free →
⭐ Top pick🆓 Lifetime free
Axis Bank
Neo RuPay
★ 4.0 / 5
10% off Blinkit, Myntra & BookMyShow — lifetime free
- 🛒10% off Blinkit up to ₹250/month
- 🎬10% off BookMyShow up to ₹100/month
- 🍔₹120 off Zomato twice a month
Annual feeLifetime Free
RewardsUp to 10% off on partners
Apply Now — it's free →
⭐ Top pick
4.25% back on BPCL fuel for just ₹499
- ⛽4.25% back at BPCL pumps
- 🛒5X points dining, grocery, movies
- 🎁2,000 points welcome gift (₹500)
Annual fee₹499/yr
RewardsUp to 4.25% on BPCL fuel
Apply Now — it's free →
⭐ Top pick
Axis Bank
IndianOil RuPay
★ 3.9 / 5
4% back on IndianOil fuel + 1% on online shopping
- ⛽4% back at IndianOil pumps
- 🛒1% back on online shopping
- 🎬10% off BookMyShow movies
Annual fee₹500/yr
Rewards1% – 4% value back
Apply Now — it's free →
⭐ Top pick
SBI Card
SimplySAVE
★ 3.9 / 5
10X points on dining, movies & groceries
- 🛒10 points / ₹150 dining, movies, grocery, dept stores
- 🎁2,000 points welcome bonus
- 📲RuPay on UPI use credit on UPI
Annual fee₹499/yr
Rewards~0.17% – 1.7% value back
Apply Now — it's free →
⭐ Top pick
SBI Card
IRCTC RuPay
RuPay
SBI Card
IRCTC RuPay
★ 3.9 / 5
10% back on AC train tickets booked on IRCTC
- 🚆10% back on AC & chair car bookings
- 🛋️4 railway lounges every year
- 📲UPI ready RuPay card
Annual fee₹300/yr
RewardsUp to 10% on IRCTC AC bookings
Apply Now — it's free →
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⭐ Top pick
Axis Bank
Airtel
★ 3.8 / 5
25% back on Airtel bills + 10% on Zomato & Blinkit
- 📶25% on Airtel bills via Airtel Thanks
- 🍔10% back Zomato, Blinkit & District
- 💡10% on utilities via Airtel Thanks app
Annual fee₹500/yr
Rewards1% – 25% cashback
Apply Now — it's free →
🆓 Lifetime free
Scapia × Axis Bank
Scapia
★ 4.6 / 5
Free travel card: 0% forex + unlimited lounge access
- 🌍0% forex in 180+ countries
- ♾️Unlimited lounges domestic, on ₹20k monthly spend
- 🧳4% back on Scapia app travel bookings
Annual feeLifetime Free
Rewards1% – 4% value back
Apply Now — it's free →
🆓 Lifetime free
Uni × BOBCARD
GoldX
RuPay
Uni × BOBCARD
GoldX
★ 4.3 / 5
1% back as real 24K digital gold, plus 0% forex abroad
- 🪙1% in 24K gold on every eligible spend
- 🌍0% forex on international spends
- 📲1% on UPI RuPay scan & pay
Annual feeLifetime Free
Rewards1% – 5% back in gold
Apply Now — it's free →
HDFC Bank
Tata Neu Infinity
Visa
HDFC Bank
Tata Neu Infinity
★ 4.2 / 5
5% back on Tata brands + rewards on UPI
- 🪙5% NeuCoins on Tata Neu & partner brands
- 📲Up to 1.5% UPI with RuPay variant
- 🎁1,499 NeuCoins welcome bonus
Annual fee₹1,499/yr
Rewards1.5% – 10% NeuCoins
Apply Now — it's free →
🆓 Lifetime free
YES Bank × POP
POP-Club
RuPay
YES Bank × POP
POP-Club
★ 4.2 / 5
10 POPcoins on every ₹100 online, extra 5% on POP UPI
- 🛒10 POPcoins / ₹100 on online spends
- 📲+5% on UPI via the POP UPI app
- 🎁₹5,000 welcome perks Cleartrip, Zomato & more
Annual feeLifetime Free
Rewards2% – 10% in POPcoins
Apply Now — it's free →
🆓 Lifetime free
ZET × SBM Bank
ZET
★ 4.0 / 5
No income proof needed — build your credit score with an FD-backed card
- 🛍️5% back on Amazon & Flipkart vouchers
- 📲2% on UPI with ZET Plus membership
- 🏦FD-backed from ₹2,000, earns ~7%
Annual feeLifetime Free
RewardsUp to 5% on vouchers, 2% on UPI
Apply Now — it's free →
HDFC Bank
Pixel Go
★ 4.0 / 5
Simple 1% cashback on everything, including UPI
- ♾️1% unlimited on all eligible spends
- 🛒5% on SmartBuy HDFC's shopping portal
- 📲1% on UPI RuPay variant
Annual fee₹250/yr
Rewards1% – 5% cashback
Apply Now — it's free →
Kotak Mahindra Bank
Cashback+
RuPay
Kotak Mahindra Bank
Cashback+
★ 4.0 / 5
5% back on online groceries & food delivery, 3% on fuel
- 🛒5% back online grocery, food & entertainment
- ⛽3% on fuel + 1% surcharge waiver
- ♾️0.5% unlimited on other spends
Annual fee₹750/yr
Rewards0.5% – 5% cashback
Apply Now — it's free →
IDFC FIRST Bank
FIRST Power+
★ 4.0 / 5
Up to 6.5% savings on HPCL fuel + 5% on groceries & bills
- ⛽Up to 6.5% on HPCL fuel
- 🛒5% back grocery, utility bills & FASTag
- 📲3X points on UPI & retail spends
Annual fee₹499/yr
RewardsUp to 6.5% on HPCL fuel
Apply Now — it's free →
🆓 Lifetime free
Novio × DCB Bank
Novio
RuPay
Novio × DCB Bank
Novio
★ 3.9 / 5
Instant FD-backed card with up to 10% novio coins on UPI
- ⚡Instant approval against an FD from ₹2,000
- 📲Up to 10% coins on UPI spends
- ✈️4 lounges/year with FD ₹25,000+
Annual feeLifetime Free
RewardsUp to 10% in novio coins
Apply Now — it's free →
IDFC FIRST Bank
FIRST Power
★ 3.9 / 5
Up to 5% savings on HPCL fuel for just ₹199
- ⛽Up to 5% on HPCL fuel
- 🛒5% savings on grocery & utility bills
- 📲Rewards on UPI & retail spends
Annual fee₹199/yr
RewardsUp to 5% on HPCL fuel
Apply Now — it's free →
HDFC Bank
UPI RuPay
RuPay
HDFC Bank
UPI RuPay
★ 3.8 / 5
Use credit on UPI and earn CashPoints on groceries & dining
- 📲UPI ready scan & pay with credit
- 🛒3% CashPoints grocery, dining & PayZapp
- 💡2% CashPoints on utility bills
Annual fee₹99/yr
Rewards0.25% – 0.75% value back
Apply Now — it's free →
Can I use a credit card on UPI?
Yes — but only RuPay credit cards. Add the card in your UPI app, set a UPI PIN, and pay any merchant by scanning their QR code.
Can I send money to friends with a credit card on UPI?
No. Credit card UPI works for paying merchants (shops, businesses), not for person-to-person transfers.
Are there charges for using a credit card on UPI?
Small merchant payments are usually free for you. Rewards on UPI may be capped, so check each card's terms.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.
