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Best RuPay credit cards for UPI we compare

Only RuPay credit cards can be linked to UPI apps. UPI rewards are often lower than card-swipe rewards, and some exclude wallet loads or bill payments.

Related: Best cashback credit cards · Best lifetime free credit cards

30 cards · last verified 20 Oct 2026 · how we rank

Compare UPI and RuPay cards

  1. 1
    Axis Bank SUPERMONEY RuPay Credit Card

    3% on UPI · 1% base · Lifetime free · UPI

    View on Axis Bank siteIssuer's site. We don't earn from this card.
  2. 2
    Kotak811 Dream Different Credit Card

    2% on UPI · 2% base · ₹424 joining, no annual fee · UPI

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
  3. 3
    Kiwi RuPay Credit Card (PNB)

    1.5% on UPI · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  4. 4
    Kiwi RuPay Credit Card (YES Bank Klick)

    1.5% on UPI · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  5. 5
    Tata Neu Infinity HDFC Bank Credit Card

    1.5% on UPI · 1.5% base · ₹1,499 joining, ₹1,499 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  6. 6
    CheQ AU Credit Card (AU Small Finance Bank)

    1.25% on UPI · 0.5% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  7. 7
    IndusInd Bank Platinum RuPay Credit Card

    1.2% on UPI · 0.6% base · ₹10,000 joining, no annual fee · UPI

    Apply nowVia our referral partner. We may earn a commission.
  8. 8
    Jupiter Edge+ RuPay Credit Card (CSB Bank)

    1% on UPI · 1% base · ₹999 joining, no annual fee · UPI

    Apply nowVia our referral partner. We may earn a commission.
  9. 9
    Kotak811 super.money Credit Card

    1% on UPI · 1% base · ₹249 joining, no annual fee · UPI

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
  10. 10
    SalarySe Level UP Credit Card (City Union Bank)

    1% on UPI · 1% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  11. 11
    Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

    1% on UPI · 2% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  12. 12
    Uni GoldX Credit Card (BOBCARD)

    1% on UPI · 1% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  13. 13
    HSBC RuPay Cashback Credit Card

    1% on UPI · 1% base · ₹499 joining, ₹499 a year · UPI

    View on HSBC siteIssuer's site. We don't earn from this card.
  14. 14
    PhonePe SBI Card PURPLE

    1% on UPI · 1% base · ₹499 joining, ₹499 a year · UPI

    View on PhonePe siteIssuer's site. We don't earn from this card.
  15. 15
    Tata Neu Plus HDFC Bank Credit Card

    1% on UPI · 1% base · ₹499 joining, ₹499 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  16. 16
    HDFC Bank PIXEL Play Credit Card

    1% on UPI · 1% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  17. 17
    PhonePe SBI Card SELECT BLACK

    1% on UPI · 1% base · ₹1,499 joining, ₹1,499 a year · UPI

    View on PhonePe siteIssuer's site. We don't earn from this card.
  18. 18
    Suryoday SFB Stable Money RuPay Platinum Credit Card

    0.5% on UPI · 0.5% base · Lifetime free · UPI

    View on Stable Money siteIssuer's site. We don't earn from this card.
  19. 19
    IDFC FIRST Bank HPCL FIRST Power+ Credit Card

    0.5% on UPI · 0.5% base · ₹499 joining, ₹499 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  20. 20
    EazyDiner IndusInd Bank Platinum Credit Card

    0.4% on UPI · 0.4% base · Lifetime free · UPI

    View on IndusInd Bank siteIssuer's site. We don't earn from this card.
  21. 21
    IDFC FIRST Bank HPCL FIRST Power Credit Card

    0.33% on UPI · 0.33% base · ₹199 joining, ₹199 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  22. 22
    HDFC Bank UPI RuPay Credit Card

    0.25% on UPI · 0.25% base · ₹99 joining, ₹99 a year · UPI

    View on HDFC Bank siteIssuer's site. We don't earn from this card.
  23. 23
    BPCL SBI Card OCTANE

    0.25% on UPI · 0.25% base · ₹1,499 joining, ₹1,499 a year · UPI

    View on SBI Card siteIssuer's site. We don't earn from this card.
  24. 24
    HSBC RuPay Platinum Credit Card

    – on UPI · – base · Lifetime free · UPI

    View on HSBC siteIssuer's site. We don't earn from this card.
  25. 25
    Roarbank UPI Credit Card (Unity Small Finance Bank)

    – on UPI · – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  26. 26
    Airtel Axis Bank Credit Card

    – on UPI · 1% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  27. 27
    Axis Bank MY ZONE Credit Card

    – on UPI · 0.4% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  28. 28
    ICICI Bank Coral RuPay Credit Card

    – on UPI · – base · ₹500 joining, ₹500 a year · UPI

    View on ICICI Bank siteIssuer's site. We don't earn from this card.
  29. 29
    IndianOil Axis Bank Credit Card

    – on UPI · 0.2% base · ₹500 joining, ₹500 a year · UPI

    Apply nowVia our referral partner. We may earn a commission.
  30. 30
    ICICI Bank Rubyx Credit Card

    – on UPI · – base · ₹3,000 joining, ₹2,000 a year · UPI

    View on ICICI Bank siteIssuer's site. We don't earn from this card.

Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.

The cards in detail

  1. 1. Axis Bank SUPERMONEY RuPay Credit Card

    Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap.

    Lifetime free

    View on Axis Bank siteIssuer's site. We don't earn from this card.

  2. 2. Kotak811 Dream Different Credit Card

    2% cashback on most spends, including UPI payments made in the Kotak811 app, but only in billing cycles where you spend ₹15,000 or more. Cashback is capped at ₹500 a cycle (of which at most ₹200 from UPI) and ₹100 a transaction, and you claim it in the 811 app into your Kotak savings account. Fuel, rent, wallet loads, insurance, gold, gaming and EMI spends earn nothing.

    ₹424 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

  3. 3. Kiwi RuPay Credit Card (PNB)

    RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  4. 4. Kiwi RuPay Credit Card (YES Bank Klick)

    Virtual RuPay card for UPI: 1.5% cashback on UPI scan and pay, 0.5% on online spends, paid as Kiwis worth ₹0.25 each.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. Tata Neu Infinity HDFC Bank Credit Card

    NeuCoins worth ₹1 each on Tata Neu: 5% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1.5% on other spends, up to 1.5% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.

    ₹1,499 joining, ₹1,499 a year

    Apply nowVia our referral partner. We may earn a commission.

  6. 6. CheQ AU Credit Card (AU Small Finance Bank)

    Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  7. 7. IndusInd Bank Platinum RuPay Credit Card

    2 reward points per ₹100 on UPI spends and 1 point per ₹100 on other spends; 0.7 points per ₹100 on utilities, insurance, government and education payments; no points on fuel.

    ₹10,000 joining, no annual fee

    Apply nowVia our referral partner. We may earn a commission.

  8. 8. Jupiter Edge+ RuPay Credit Card (CSB Bank)

    Earns 5% Jewels (about 1% value) on most spends and UPI via Jupiter's UPI app; much higher Jewels on select shopping brands, subject to monthly spend conditions.

    ₹999 joining, no annual fee

    Apply nowVia our referral partner. We may earn a commission.

  9. 9. Kotak811 super.money Credit Card

    Cashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction).

    ₹249 joining, no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

  10. 10. SalarySe Level UP Credit Card (City Union Bank)

    Earns SalarySe SCoins worth about 1% on regular spends (2% on monthly spend above ₹20,000) and 5% on SalarySe UPI on the 1st and last day of the month (7.5% with the paid physical card); lounge access comes with the paid physical card.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  11. 11. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

    Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  12. 12. Uni GoldX Credit Card (BOBCARD)

    Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  13. 13. HSBC RuPay Cashback Credit Card

    10% cashback on dining, food delivery and groceries and 1% on other eligible spends, including UPI payments at shops, with all cashback capped at ₹400 a month (the 10% rate alone reaches the cap at ₹4,000 of spend). Links to UPI apps; abroad it works on the JCB network.

    ₹499 joining, ₹499 a year

    View on HSBC siteIssuer's site. We don't earn from this card.

  14. 14. PhonePe SBI Card PURPLE

    Reward points worth ₹1 each: 3% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 2% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.

    ₹499 joining, ₹499 a year

    View on PhonePe siteIssuer's site. We don't earn from this card.

  15. 15. Tata Neu Plus HDFC Bank Credit Card

    NeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.

    ₹499 joining, ₹499 a year

    Apply nowVia our referral partner. We may earn a commission.

  16. 16. HDFC Bank PIXEL Play Credit Card

    Cashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  17. 17. PhonePe SBI Card SELECT BLACK

    Reward points worth ₹1 each: 10% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 5% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.

    ₹1,499 joining, ₹1,499 a year

    View on PhonePe siteIssuer's site. We don't earn from this card.

  18. 18. Suryoday SFB Stable Money RuPay Platinum Credit Card

    Flat 0.5% cashback on card and UPI spends, adjusted against your next bill, capped at ₹3,000 per billing cycle. Fuel, rent, utilities, phone and wallet recharges, insurance, education, government payments, trains, metro, buses and cab rides earn nothing.

    Lifetime free

    View on Stable Money siteIssuer's site. We don't earn from this card.

  19. 19. IDFC FIRST Bank HPCL FIRST Power+ Credit Card

    HPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter.

    ₹499 joining, ₹499 a year

    Apply nowVia our referral partner. We may earn a commission.

  20. 20. EazyDiner IndusInd Bank Platinum Credit Card

    2 reward points per ₹100 on most spends (0.4% back, at ₹0.20 a point redeemed against restaurant bills in the EazyDiner app), 0.7 points per ₹100 (0.14%) on insurance, rent, utilities and government payments, and none on fuel. The main value is dining: an extra 20% off up to ₹500, three times a month, when you pay a restaurant bill through the EazyDiner app with this card, plus 3 months of EazyDiner Prime to start. Also a buy-one-get-one BookMyShow ticket (up to ₹200 off) once a month, and 2,000 bonus points with a further 3 months of Prime for each ₹30,000 spent in 90 days (dining doesn't count).

    Lifetime free

    View on IndusInd Bank siteIssuer's site. We don't earn from this card.

  21. 21. IDFC FIRST Bank HPCL FIRST Power Credit Card

    HPCL fuel earns 3.5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries and utilities 2.5%, FASTag recharge 2.5%, other spends about 0.33%; each category is capped per statement cycle.

    ₹199 joining, ₹199 a year

    Apply nowVia our referral partner. We may earn a commission.

  22. 22. HDFC Bank UPI RuPay Credit Card

    Virtual RuPay card for UPI: 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp, 2 per ₹100 on utility bills and 1 per ₹100 elsewhere. A CashPoint is worth ₹0.25, so that is 0.75%, 0.5% and 0.25% back, each capped at 500 CashPoints (₹125) a month.

    ₹99 joining, ₹99 a year

    View on HDFC Bank siteIssuer's site. We don't earn from this card.

  23. 23. BPCL SBI Card OCTANE

    Fuel card: 25 points per ₹100 at BPCL pumps (6.25% back, plus a 1% surcharge waiver), 10 points per ₹100 on groceries, departmental stores, dining and movies (2.5%), and 1 point per ₹100 elsewhere (0.25%). Points are worth ₹0.25 each as free BPCL fuel; BPCL fuel points stop at 2,500 a statement cycle.

    ₹1,499 joining, ₹1,499 a year

    View on SBI Card siteIssuer's site. We don't earn from this card.

  24. 24. HSBC RuPay Platinum Credit Card

    2 reward points for every ₹150 you spend, including UPI payments to merchants once the card is linked to a UPI app. HSBC doesn't publish a fixed rupee value for a point: you redeem in the HSBC India app for gift cards, merchandise, flights and hotels on its Travel with Points portal, or move points to 11 airline and 5 hotel programmes (mostly 2 points for 1 mile or hotel point). Flights and hotels booked on the portal earn 4 to 6 times the points. Points last 3 years. Fuel, utility bills, insurance, rent, wallet loads, school fees, government payments and jewellery earn nothing.

    Lifetime free

    View on HSBC siteIssuer's site. We don't earn from this card.

  25. 25. Roarbank UPI Credit Card (Unity Small Finance Bank)

    Pick two categories each month for up to 20% cashback (capped at ₹2,500 a month), plus a flat 1% on utility bills and mobile top-ups; works on UPI apps.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  26. 26. Airtel Axis Bank Credit Card

    Cashback card for Airtel users: 25% back on Airtel mobile, broadband, Wi-Fi and DTH bills and 10% on other utility bills when you pay them in the Airtel Thanks app, and 1% on most other spends. The app cashback is capped each cycle at twice (Airtel bills) and once (other bills) the 1% you earn on other spends. 10% back at Zomato, Blinkit and District comes as wallet credit in those apps, up to ₹200 each a month.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  27. 27. Axis Bank MY ZONE Credit Card

    Entertainment card: buy-one-get-one on District movie tickets, ₹120 off Swiggy, quarterly lounge access on spends, 4 EDGE points per ₹200.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  28. 28. ICICI Bank Coral RuPay Credit Card

    2 reward points per ₹100 on most spends, including UPI payments, and 1 point per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Milestone bonus of up to 10,000 points a year, plus BookMyShow and INOX movie discounts.

    ₹500 joining, ₹500 a year

    View on ICICI Bank siteIssuer's site. We don't earn from this card.

  29. 29. IndianOil Axis Bank Credit Card

    Fuel card: 4% value back at IndianOil outlets (capped), 1% on small online spends, 0.2% elsewhere, plus 1% fuel surcharge waiver.

    ₹500 joining, ₹500 a year

    Apply nowVia our referral partner. We may earn a commission.

  30. 30. ICICI Bank Rubyx Credit Card

    2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers on paying the joining fee (Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 for flights and ₹3,000 for holidays, Croma ₹1,000, ₹10,000 off an Elivaas stay of ₹50,000 or more, 3 months of EazyDiner Prime), a milestone bonus of up to 15,000 points a year, and 25% off movie tickets (up to ₹150, twice a month each on BookMyShow and INOX).

    ₹3,000 joining, ₹2,000 a year

    View on ICICI Bank siteIssuer's site. We don't earn from this card.

What you'd get back on UPI

  1. 1. Kotak811 Dream Different Credit Card

    ₹2,400 a year at 2% · no annual fee

    View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.

  2. 2. Kiwi RuPay Credit Card (PNB)

    ₹1,800 a year at 1.5% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  3. 3. Kiwi RuPay Credit Card (YES Bank Klick)

    ₹1,800 a year at 1.5% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  4. 4. Tata Neu Infinity HDFC Bank Credit Card

    ₹1,800 a year at 1.5% · ₹1,499 annual fee

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. CheQ AU Credit Card (AU Small Finance Bank)

    ₹1,500 a year at 1.25% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.

Related guides and comparisons

How a RuPay credit card works on UPI

The RBI allowed credit cards on UPI in its 8 June 2022 policy statement, starting with RuPay cards. Visa, Mastercard and American Express cards still can't be linked, so if a card comes on two networks, such as Tata Neu or Pixel Play, ask for the RuPay variant when you apply.

To link it, open your UPI app, choose to add a RuPay credit card, pick the bank, enter the card's last six digits and expiry date, confirm the OTP and set a UPI PIN. The app's mobile number must be the one registered with the card.

The card can only pay merchants: a shop's QR code, a merchant UPI ID, or UPI at an online checkout. You can't send money to a person or receive money on it. SBI Card's UPI FAQ also lists cash withdrawals, IPOs, mutual funds and lending apps as blocked, and sets its own limits: ₹5,000 in the first 24 hours, then up to ₹5 lakh a payment within your credit limit. Other banks set their own limits.

Your UPI app can change the reward

On several cards, the UPI rate depends on which app you pay through. For example:

  • Tata Neu Plus earns 0.25% on any UPI app and 1% through the Tata Neu UPI ID. Tata Neu Infinity earns 0.5% and 1.5%.
  • Axis SUPERMONEY earns 3% on scan-and-pay through the super.money app, limited each cycle to the cashback you earn on other spends (at least ₹100), and 1% through other UPI apps.
  • Jupiter Edge+ counts UPI rewards only on Jupiter's own UPI app.
  • CheQ earns its UPI rate only through CheQ UPI on the RuPay card.
  • SalarySe Level UP earns about 1% on SalarySe UPI and 0.2% on other UPI apps.
  • Uni GoldX earns 1% through GoldX UPI, on payments of ₹100 or more.
  • Scapia's RuPay card, which works on UPI, earns only on spends of ₹500 or more.

Where a bank publishes a higher UPI rate for its own app, the table above uses that rate, so you get it only by paying through that app.

What earns nothing on UPI, and the caps to watch

Paying by UPI doesn't change what a card excludes. Spends the bank leaves out earn nothing on UPI either. For example:

  • Fuel earns nothing on the Kiwi, Tata Neu, Pixel Play, Uni GoldX, Jupiter Edge+ and Axis SUPERMONEY cards.
  • Rent, wallet loads and government payments earn nothing on Tata Neu, Pixel Play and HDFC UPI RuPay.
  • Utility bills earn nothing on Kiwi, Uni GoldX and Axis SUPERMONEY. Kiwi's rewards policy also excludes insurance, educational institutions and gift cards.

Monthly caps matter on UPI because small payments add up. Pixel Play's 1% on RuPay UPI stops at 500 CashPoints a month, reached at ₹50,000 of UPI spend. Tata Neu's UPI cap is also 500 NeuCoins a month, reached at about ₹33,000 of UPI spend on Infinity and ₹50,000 on Plus. Kiwi caps its rewards each month at 1% of your credit limit. SUPERMONEY's 3% on super.money UPI stops at the cashback you earn on other spends, with a floor of ₹100 a cycle, which is about ₹3,300 of UPI if you spend nothing else on the card. HDFC Bank also says its RuPay credit cards earn at most 500 reward points a month on UPI.

Some cards also charge for certain spends: Roarbank charges 1% once fuel, wallet and utility spends pass ₹5,000 in a month, Tata Neu Plus charges 1% on rent, up to ₹3,000 a transaction, and ICICI Coral RuPay charges 1% on wallet loads of ₹5,000 or more.

Questions people ask

Which credit card gives the most cashback on UPI?

Among the cards we compare, the Axis Bank SUPERMONEY RuPay Credit Card gives the highest published value back on UPI, 3%. Most cards cap UPI rewards each month and some pay the top rate only through their own UPI app, so check its page.

Can I use a credit card on UPI?

Yes, but only a RuPay credit card, linked in your UPI app. It can pay merchants by QR code or UPI ID, not send money to people. Visa and Mastercard credit cards can't be linked.

Do all RuPay credit cards earn rewards on UPI?

No. Of the 30 RuPay credit cards we compare, 23 give value back on UPI and 7 don't publish or give a UPI reward. Many exclude some spends and cap monthly rewards.

Can I send money to a friend or a landlord from a RuPay credit card on UPI?

No. A credit card on UPI can only pay merchants. Payments to a person's UPI ID are blocked, and the card can't receive money either, so paying a landlord's personal UPI ID from the card won't go through. Most cards we compare also give no rewards on rent.

Is there a charge for paying with a credit card on UPI?

SBI Card's UPI FAQ says there is no fee for linking the card or for UPI payments; check your own bank's terms, since each bank sets them. A fee a card already charges on certain spends still applies, such as Roarbank's 1% once fuel, wallet and utility spends pass ₹5,000 in a month.

Is there a daily limit on UPI payments with a credit card?

Each bank sets its own. SBI Card's UPI FAQ, for example, allows ₹5,000 in the first 24 hours after you link the card, then up to ₹5 lakh a payment within your credit limit. Your credit limit is the ceiling on any card.

Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.