Best RuPay Credit Cards in India for UPI
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 modelled net annual value on the benchmark wallet below, after fees, caps and exclusions — never by affiliate payout. The benchmark wallet is ₹38,000 a month: ₹12,000 online, ₹6,000 dining, ₹8,000 grocery, ₹4,000 fuel, ₹5,000 travel, ₹3,000 utility. Your own order will differ where your spending does.
Short answer
On the benchmark wallet below (₹38,000/month), Axis Bank IndiGo Premium returns the most of the 14 issuer-verified rupay credit cards for upi CardMasters tracks: ₹12,500 a year after fees, caps and exclusions, ahead of Yes Bank Paisabazaar PaisaSave and Yes Bank POP-CLUB Credit Card. That ordering is a model of one stated spending profile, not a verdict on yours: your own winner depends on what you actually spend, the cards you already hold, how you redeem, and issuer approval fit. Records checked 2026-08-25.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. 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.
Axis Bank IndiGo Premium
₹5,000 + GST
2 BluChips per ₹100 on eligible spends
2.5%
RuPay, Visa
Best suited to: indigo flyers, domestic travel, travel. Recorded exclusions: government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery.
Review rewards, caps, fees and issuer evidence →Yes Bank Paisabazaar PaisaSave
₹0
1% in Cashback
3.5%
Mastercard, RuPay (virtual)
Best suited to: cashback, dining, upi, first card. Recorded exclusions: fuel, rent, wallet load, utility, education, insurance, emi, government.
Review rewards, caps, fees and issuer evidence →Yes Bank POP-CLUB Credit Card
₹399 + GST
2 POPcoins per ₹100 on eligible non-online retail spend
3.5%
RuPay
Best suited to: online shopping, upi credit, first card. Recorded exclusions: fuel, rent, wallet load, utility, government, marketing advertising, cash advance, fees.
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 →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 →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 →BPCL SBI Card OCTANE
₹1,499 + GST
1% in Reward Points
3.5%
Visa, RuPay
Best suited to: fuel, daily commuter. Recorded exclusions: fuel, wallet load, non BPCL fuel.
Review rewards, caps, fees and issuer evidence →IRCTC SBI Card Premier
₹1,499 + GST
1 Reward Point per ₹125 on eligible non-fuel retail purchases
3.5%
Visa, RuPay
Best suited to: train travel, frequent rail commuter. Recorded exclusions: fuel, rent, wallet load.
Review rewards, caps, fees and issuer evidence →IDFC FIRST Bank Quantum+ Credit Card (FD-secured)
₹0
1% cashback on eligible online and in-store purchases
Not recorded
RuPay
Best suited to: lifetime free, first credit card, credit builder, cashback. Recorded exclusions: cash advance, emi.
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 →SBI Card PRIME
₹2,999 + GST
0.5% in Reward Points
3.5%
Visa, Mastercard, RuPay
Best suited to: dining, grocery, milestone spender. Recorded exclusions: fuel, rent, wallet load.
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 →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 →Bank of Baroda (BOBCARD) Uni GoldX Credit Card
₹0
1% value back as Uni Coins on eligible transactions
0%
RuPay
Best suited to: rewards, lifetime free, upi credit. Recorded exclusions: fuel, rent, wallet load.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best rupay credit cards for upi in India?
On the benchmark wallet CardMasters publishes on this page (₹38,000 of monthly spend), Axis Bank IndiGo Premium returns the most across 14 issuer-verified options — ₹12,500 a year after the annual fee, monthly caps and excluded categories. The cheapest to hold is Yes Bank Paisabazaar PaisaSave at ₹0 a year. Which of those matters more depends on your own spending, the cards you already hold, how you redeem and issuer approval fit. Ranking never uses affiliate payout.
How many rupay credit cards for upi does CardMasters track?
This shortlist shows 14 cards, each with a dated issuer-source check. The full CardMasters directory covers 96 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 2026-08-25, but credit-card terms can change after publication, so confirm final terms with the issuer.
What should I check before applying for a rupay credit cards for upi?
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.