Best UPI Credit Cards (RuPay) in India 2026
RBI's 2022-24 UPI-credit linkage opened a new card category — RuPay credit cards now earn rewards at every QR-code merchant. Kirana, fuel pumps, auto-rickshaws, neighbourhood food joints — places only debit cards reached before now generate 2-5% credit-card rewards.
Until RBI's framework expansion, UPI was a debit-only rail in India — every QR scan pulled directly from your bank account. Credit cards weren't in the picture for the ₹2 lakh crore monthly UPI volume routed through neighbourhood merchants.
In Sept 2022 RBI permitted RuPay credit cards to be linked to UPI handles. By 2024 the floodgates opened — HDFC UniGo, SBI Aurum, Tata Neu cards, RBL DUET, ICICI Sapphiro UPI, Axis Flipkart UPI all launched as RuPay-UPI hybrids. Every credit-card reward scheme now applies to your kirana / Swiggy / Uber spends paid via QR scan.
Editor's note: Our catalog now covers 8 of the 15+ UPI RuPay cards launched 2024-25, spanning ₹0 (Kotak League) to ₹10K (SBI Aurum) annual fees + the dual-network breakthrough (RBL DUET). IndusInd Tiger UPI, Yes Bank Wellness RuPay, and Federal Scapia UPI are queued for next quarter onboarding.
Top 8 UPI credit cards for 2026
Every card is RuPay UPI-enabled — link to your UPI app + earn rewards on every QR scan. Ranked by reward economics × annual fee × dual-network availability.
RBL Bank DUET Credit Card
₹2,000 fee. India's first dual-network card — one piece of plastic with both Visa (international) + RuPay (UPI). 5X rewards (~5%) on UPI spends, 2X on Visa side. Eliminates the 'one card for UPI, one for abroad' trade-off most users face. Launched 2024.
SBI Card AURUM
₹10,000 fee. SBI's flagship RuPay UPI — 6 reward points per ₹200 on all UPI spends (effective 3%), 4 international lounges, ₹15,000 e-voucher welcome benefit. The most decorated UPI credit card launched 2024.
HDFC Tata Neu Infinity Credit Card
₹1,499 fee. RuPay variant has UPI enabled. 5% NeuCoins on Tata brands (BigBasket, Croma, AirAsia, IHCL, Westside, Tata 1mg, Tata CLiQ) + 1.5% on UPI/non-Tata spends. NeuCoins redeem at 1:1 across Tata ecosystem.
ICICI Sapphiro Credit Card
₹3,500 fee. ICICI's RuPay UPI-enabled Sapphiro — 4pt/₹100 on dining + grocery + departmental, 2pt/₹100 base. UPI spends earn at base rate. Lounge access + golf benefits. Single-bank relationship if you already use ICICI for NetBanking.
HDFC UniGo Credit Card
₹500 fee. HDFC's mainstream UPI entry — 2% rewards on apparel + dining + grocery + travel UPI spends, 1% on others. CIBIL 700+ entry-friendly. The right starter UPI card for HDFC-account holders.
Kotak League 811 Credit Card
₹0 fee for life. Linked to Kotak 811 zero-balance digital account. 4 League Points per ₹150 online/UPI (~2.67%), 1pt/₹150 offline. CIBIL 680+ accepted — among the easier entry-tier RuPay UPI cards for first-time credit users.
SBI Card PULSE
₹1,499 fee. SBI's lifestyle-focused RuPay variant — Fitpass Pro membership (₹2,400 value) + Netmeds vouchers + 10X rewards on dining / movies / department / grocery via UPI. Niche but strong if you'd use the fitness/health benefits.
₹499 fee. Entry tier of the Tata Neu RuPay UPI duo. 1.5% NeuCoins on UPI + 2% on Tata brands. The right alternative to Tata Neu Infinity for users with under ₹3L/year Tata-ecosystem spend.
UPI-credit: read the small print
UPI-credit rewards are real, but not universal. Categories commonly excluded from credit-card rewards still don't earn even when paid via UPI:
- Fuel pumps — most cards exclude fuel from base reward rate (separate surcharge waiver applies)
- Government / utility bills via BBPS — 0% or capped rewards on most cards
- Education fees, insurance premiums — usually 0% rewards on every card
- Rent via dedicated rent apps — 0% rewards on CRED / NoBroker rent payments
- Wallet loads (Paytm / PhonePe wallet) — 0% rewards
- MF / equity / crypto via UPI — 0% rewards (regulator carve-out)
What does earn: retail (Kirana, supermarket, electronics), food (Swiggy, Zomato, restaurants, cafes), travel (Uber, Ola, metro), entertainment (movies, OTT), and most online merchants. For most urban Indian users this is 60-70% of monthly UPI spend.
Side-by-side: RuPay UPI credit cards
Annual fees range ₹0 (Kotak League) → ₹10K (SBI Aurum). RBL DUET is dual-network (Visa + RuPay). All earn rewards on UPI QR scans.
| Feature | RBL Bank DUET Credit Card RBL Bank | SBI Card AURUM SBI Card | HDFC Tata Neu Infinity Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | HDFC UniGo Credit Card HDFC Bank | Kotak League 811 Credit Card Kotak Mahindra Bank | SBI Card PULSE SBI Card | Tata Neu HDFC Credit Card HDFC Bank |
|---|---|---|---|---|---|---|---|---|
| Annual fee | ₹2,000 | ₹10,000 | ₹1,499 | ₹6,500 | ₹500 | ₹0 | ₹1,499 | — |
| Joining fee | ₹2,000 | ₹10,000 | ₹1,499 | ₹6,500 | ₹500 | ₹0 | ₹1,499 | — |
| Reward rate | 5 reward points per ₹100 on UPI (RuPay side), 2 pts/₹100 on Visa side | 3.75% | 5% | 10X dining, 4% base | 2% on Apparel/Dining/Grocery/Travel UPI spends, 1% on others | 4 League Points per ₹150 online/UPI (~2.67%), 1pt/₹150 offline (~0.67%) | 2% | — |
| Reward type | Reward Points | — | — | — | Cashback | Reward Points | — | — |
| Lounge access | 2 domestic lounges/quarter | — | — | Unlimited international + domestic | — | — | — | — |
| Fuel waiver | — | — | — | — | — | — | — | — |
| Min income | ₹25K/mo | ₹2L/mo | ₹40K/mo | ₹1.5L/mo | ₹15K/mo | ₹15K/mo | ₹30K/mo | — |
| Min CIBIL | — | — | — | — | — | — | — | — |
| APR (per annum) | — | — | — | — | — | — | — | — |
| InvestingPro rating | 4.3/5 | 4.7/5 | 4.4/5 | 4.6/5 | 4.2/5 | 4.1/5 | 3.9/5 | 4.5/5 |
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Data refreshed daily from issuer websites. Annual fee waivers, reward caps, and category-specific carve-outs are detailed on each card's review page. Use the full comparison tool to add any card to a side-by-side view.
Frequently asked questions
What is a UPI credit card?
Which banks offer UPI-enabled credit cards in India 2026?
Do I earn rewards on UPI transactions through credit cards?
Is the interest-free period preserved on UPI-credit transactions?
Are there per-transaction limits on UPI credit cards?
Can NRIs use UPI credit cards from abroad?
Regulated by Reserve Bank of India.
Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.
Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.
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