A RuPay credit card lets you scan any shop's QR code in Google Pay, PhonePe or Paytm and pay from your credit limit — with up to ~50 days to pay and, on many cards, rewards on every scan.
The cards on this page do that with no joining fee and no annual fee, ever. That makes them an easy add-on even if you already have a card: keep it on UPI for daily payments and pay the full bill each month.
⚡ 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 →
🆓 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 →
🆓 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 →
🎯 Not sure which card to pick?Answer 3 quick questions and get your best match.
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🆓 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 →
Which free credit card is best for UPI?
It depends on what you want back: cashback, travel coins or gold. Compare the rewards on UPI for each card below — and check the monthly caps on each card page.
Can I send money to friends with a RuPay credit card?
No. Credit card UPI works for paying merchants (shops and businesses), not for person-to-person transfers.
Are there charges for paying by UPI with a credit card?
Usually not for you on everyday shop payments. Some cards don't give rewards on very small UPI payments, so check the card's terms.
Do I need a separate UPI app?
No. Add the RuPay card in the UPI app you already use, set a UPI PIN, and pay by scanning the merchant's QR code.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.
