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UPI credit cards · India

Best RuPay UPI Credit Cards in India

Explore RuPay credit cards for eligible UPI merchant payments using verified reward rules, payment-rail restrictions, caps, fees and exclusions.

Want a personalised calculation? Ask the card advisor.

Analysis by GainFair · Updated 23 September 2026 · Questions or corrections: support@gainfair.in

9 focused cards

Focused cards

This need is central to the card's design or main published benefit. Shown alphabetically, with no ranking.

Axis Bank super.money RuPay Credit Card

Axis Bank · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

BOBCARD Uni GoldX Credit Card

BOBCARD · Visa + RuPay · Mid

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
0% · 0/yr
See full analysis →Apply

Google Pay Flex Axis Bank Credit Card

Axis Bank · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HDFC Bank PIXEL Play Credit Card

HDFC Bank · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HDFC Bank UPI RuPay Credit Card

HDFC Bank · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹99 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Jupiter Edge+ CSB Bank RuPay Credit Card

CSB Bank (Jupiter platform) · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹0 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Kiwi / YES BANK Klick RuPay + Neon

YES BANK (Kiwi platform) · RuPay · Entry

Focused card
Relevant benefit
Up to 5% effective rewards on eligible merchant UPI spend after the published milestone.
Important limit
Requires ₹1,50,000 of eligible merchant UPI spend; person-to-person transfers do not count.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹0 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Kiwi / YES BANK Klick RuPay Credit Card

YES BANK (Kiwi platform) · RuPay · Entry

Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
2.8% · 0/yr
See full analysis →Apply
Focused card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.4% · 0/yr
See full analysis →Apply
52 broader cards

Broader cards

These cards reward this category too, but are designed for a wider mix of spending and benefits. Shown alphabetically, with no ranking.

Showing 6 of 52 broader cards

AU Bank Spont Credit Card

AU Small Finance Bank · RuPay · Entry

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹299 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Bank Vetta Credit Card

AU Small Finance Bank · Visa + RuPay · Premium

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹2,999 + GST yearly
Forex / international airport lounge visits
3.0% · 4/yr
See full analysis →Apply

AU Bank Zaggle Credit Card

AU Small Finance Bank · RuPay · Mid

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
Lifetime free
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Bank Zenith Credit Card

AU Small Finance Bank · Visa + RuPay · Premium

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹7,999 + GST yearly
Forex / international airport lounge visits
2.0% · 8/yr
See full analysis →Apply

AU Bank Zenith+ Credit Card

AU Small Finance Bank · Visa + RuPay · Super Premium

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹4,999 + GST yearly
Forex / international airport lounge visits
1.0% · 16/yr

BookMyShow: BOGO up to ₹500, 16×/year

See full analysis →Apply

Axis Bank Magnus Credit Card

Axis Bank · Visa + RuPay · Super Premium

Broader card
Relevant benefit
Supports eligible RuPay credit-card payments to merchants over UPI.
Important limit
UPI rewards apply only to eligible merchant transactions; ordinary card payments and person-to-person transfers are separate.
Best when
You make eligible merchant UPI payments and want them charged to a RuPay credit card.
Annual fee
₹12,500 + GST yearly
Forex / international airport lounge visits
2% · 1/yr
See full analysis →Apply

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