Best UPI Credit Cards in India (RuPay)
RuPay credit cards on UPI let scan-and-pay spend run on credit, but reward treatment on UPI varies sharply between issuers. This shortlist records what is actually earned on UPI transactions.
Cards below are ordered by recurring annual fee, then forex markup and product name—not by affiliate payout. “Best” means a relevant evidence-led shortlist; your personal winner requires wallet-level comparison.
Short answer
14 issuer-verified upi credit cards are recorded by CardMasters as of 2026-08-01. Ordered by lowest recurring annual fee, the current shortlist starts with Federal Bank Scapia, slice UPI Credit Card, Amazon Pay ICICI. There is no single best card: the right one depends on your spending pattern, existing wallet, realistic redemption value and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
What to check before applying
- Confirm whether UPI spend earns the same rate as swipe or online spend.
- Check the monthly cap on UPI rewards and the excluded merchant categories.
- Verify that peer-to-peer transfers and wallet loads are excluded, as they usually are.
Federal Bank Scapia
₹0
10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel)
0%
Visa, RuPay
Best suited to: international travel, zero forex, young traveler. Recorded exclusions: rent, fuel, wallet load, emi, intl, education, gift card, card payment.
Review rewards, caps, fees and issuer evidence →slice UPI Credit Card
₹0
1% cash value at the entry redemption slab on eligible domestic spends
0%
RuPay
Best suited to: upi credit. Recorded exclusions: fuel, rent, wallet load, insurance, emi, education, government, gaming.
Review rewards, caps, fees and issuer evidence →Amazon Pay ICICI
₹0
1% in Amazon Pay balance
1.99%
Visa, RuPay
Best suited to: amazon, cashback, first card, lifetime free. Recorded exclusions: fuel, rent, gift cards, wallet load.
Review rewards, caps, fees and issuer evidence →HDFC Bank PIXEL Play
₹0
1% PIXEL CashPoints on eligible general spends
3.5%
Visa, RuPay
Best suited to: digital native, cashback, first card, lifetime free. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →PhonePe HDFC Bank Uno
₹499 + GST
Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions
3.5%
RuPay
Best suited to: phonepe ecosystem, first card, upi credit. Recorded exclusions: fuel, rent, wallet load, emi, gift card, cash advance, credit card bill payment, fees.
Review rewards, caps, fees and issuer evidence →SimplyCLICK SBI Card
₹499 + GST
1 Reward Point per ₹100 on eligible spends
3.5%
Visa, Mastercard, RuPay
Best suited to: online shopping, first card, low fee. Recorded exclusions: fuel, rent, wallet load, government, digital gaming, cash advance.
Review rewards, caps, fees and issuer evidence →ICICI Bank Coral
₹500 + GST
2 ICICI Bank Reward Points per ₹100 on eligible retail spend
3.5%
Visa, Mastercard, RuPay
Best suited to: first card, movies, lifetime free. Recorded exclusions: fuel, rent, wallet load, cash advance, fees.
Review rewards, caps, fees and issuer evidence →Flipkart Axis Bank
₹500 + GST
1% cashback on other eligible spends
3.5%
Visa, RuPay
Best suited to: flipkart, myntra, cashback, online shopping. Recorded exclusions: fuel, rent, wallet load, gift card, emi, insurance, utility, telecom.
Review rewards, caps, fees and issuer evidence →HDFC Bank Freedom
₹500 + GST
1 CashPoint per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: credit builder, first card, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →IRCTC HDFC Bank
₹500 + GST
1 Reward Point per ₹100 on eligible retail spend; value requires IRCTC train-ticket redemption
3.5%
RuPay
Best suited to: train travel, budget traveler. Recorded exclusions: fuel, rent, wallet load, gift card, prepaid card, voucher, cash advance, outstanding balance.
Review rewards, caps, fees and issuer evidence →HDFC Bank MoneyBack+
₹500 + GST
2 CashPoints per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: first card, online shopping, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →Axis Bank IndiGo
₹799 + GST
1 IndiGo BluChip per ₹100 on eligible spends
3.5%
RuPay, Visa
Best suited to: indigo flyers, domestic travel. Recorded exclusions: government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery.
Review rewards, caps, fees and issuer evidence →MakeMyTrip ICICI Bank
₹999 + GST
1 myCash per ₹100 on eligible other retail spend
0.99%
Mastercard, RuPay
Best suited to: travel, makemytrip, low forex. Recorded exclusions: rent, cash advance, late payment fee, emi, fees, balance transfer, personal loan.
Review rewards, caps, fees and issuer evidence →Cashback SBI Card
₹999 + GST
1% cashback on eligible offline point-of-sale spend
3.5%
Visa, RuPay
Best suited to: online shopping, cashback, first card. Recorded exclusions: fuel, rent, wallet load, utility, insurance, school, jewellery, railways.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best upi credit card in India?
There is no universal winner. Across 14 issuer-verified options, Federal Bank Scapia carries the lowest recurring annual fee (₹0), but the right card depends on your spending, cards already owned, realistic redemption value, exclusions and issuer approval fit. CardMasters presents a current evidence-led shortlist instead of one paid winner.
How many upi credit cards does CardMasters track?
This shortlist shows 14 cards, each with a dated issuer-source check. The full CardMasters directory covers 73 active Indian credit cards.
Does affiliate commission affect this shortlist?
No. Affiliate payout is not used to select, order or value cards. A card can appear without a monetized application link, and every tracked campaign is disclosed separately.
How current is the card information?
Every card on this page has a dated issuer-source record. This catalogue release was published 2026-08-01, but credit-card terms can change after publication, so confirm final terms with the issuer.
What should I check before applying for a upi credit card?
Confirm whether UPI spend earns the same rate as swipe or online spend. Approval, credit limit and final pricing remain at the issuer's sole discretion.