Credit Card On UPI
RuPay is the only network that lets you link a credit card directly to UPI, so you can scan and pay anywhere.
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Why Choose a RuPay Credit Card?
Wider Everyday Acceptance
From street vendors to small shops, RuPay-on-UPI works wherever a UPI QR code is accepted, well beyond typical card terminals.
Low Or No Fees
Most RuPay cards are lifetime free or carry a low annual fee, keeping the cost of everyday UPI spending minimal.
Government-Backed Network
RuPay is India's own domestic card network, built and backed by NPCI, with growing acceptance across banks and merchants.
Best RuPay Credit Cards
Compare the cards that work on UPI and reward your everyday scan-and-pay spending.
BOBCARD Select Credit Card
Benefits
- 5X rewards on online and dining spends via a RuPay UPI variant
- 1% cashback on online spends, capped at ₹200/month
- Fuel surcharge waiver included
- BOBCARD's own RuPay-on-UPI pick
BOBCARD requires salaried applicants to be 21-60 years old with a minimum net annual income around ₹4-5 lakh, or self-employed applicants aged 24-65 with a comparable ITR - a step up from the entry-level BOBCARD Cashback card. You'll need to actively link the RuPay variant to a UPI app after activation; it doesn't happen automatically.
SBI SimplySAVE Credit Card
Benefits
- 10X rewards on dining, grocery, movies and department stores
- Available as a RuPay UPI variant for scan-and-pay use
- No lounge access, kept low-cost by design
- A solid everyday-spend starter card
SBI typically requires a minimum monthly income of around ₹15,000-20,000 for salaried applicants on this entry card. The 10X reward rate on dining, grocery, movies and department stores is capped at 3,000 points per statement cycle, after which spending in those categories reverts to the base 1X rate.
IDFC FIRST Millennia Credit Card
Benefits
- 10 reward points per ₹200 on dining, travel and international spends
- Zero annual fee, with a RuPay UPI variant available
- 4 railway lounge visits per quarter
- No airport lounge access
IDFC FIRST typically requires a minimum monthly income of ₹20,000-25,000 for salaried applicants. The 4 railway lounge visits are limited to select IRCTC executive lounges at major stations, not airport lounges - a distinction worth flagging clearly on the page given how easily it's misread.
Axis MyZone Credit Card
Benefits
- ₹120 off on Swiggy orders, twice a month
- BOGO movie offers via District
- Free SonyLiv membership included
- Available as a RuPay UPI variant, lounge access with ₹50K quarterly spend
Axis typically requires a minimum monthly income of ₹15,000-18,000 for salaried applicants. Lounge access under this card requires ₹50,000 in spend during the preceding quarter - miss that threshold and the lounge benefit simply doesn't activate for the following quarter.
ICICI Bank Coral RuPay Credit Card
Benefits
- Reward points on every spend via a dedicated RuPay variant
- BOGO movie ticket offers
- Lounge access and dining discounts included
- One of India's most popular entry-level RuPay cards
ICICI typically requires a minimum monthly income of ₹15,000-20,000 for salaried applicants on this card. The BOGO movie offer is usually capped at 1-2 tickets a month via BookMyShow, and lounge access is generally limited to a fixed number of domestic visits per year rather than being unlimited.
Kotak 811 Dream Different Credit Card
Benefits
- Backed by a ₹10,000 FD, no income proof required, RuPay-enabled
- 4X rewards on online spends
- Reward points never expire
- 48-day interest-free cash withdrawal window
This card is secured against a Kotak FD starting at ₹10,000, so there's no salary or ITR requirement at all - your credit limit is generally set at around 80-90% of the FD value, and the deposit continues earning interest while it backs the card.
Axis Bank IndianOil Credit Card
Benefits
- 5 EDGE reward points per ₹100 on IndianOil fuel spends
- RuPay and UPI enabled on the same card
- ₹200/month fuel surcharge waiver
- Co-branded directly with IndianOil
Axis typically requires a minimum monthly income of ₹15,000-20,000 for salaried applicants. The ₹200 monthly surcharge waiver caps the combined fuel value-back once monthly fuel spend crosses roughly ₹20,000, after which only the base EDGE points rate applies.
IndianOil HDFC Bank Credit Card
Benefits
- 5X Fuel Points on IndianOil, grocery and utility bill spends
- Available with a RuPay UPI variant
- Fuel surcharge waiver at IndianOil pumps
- Up to 50 litres of free fuel
HDFC typically requires a minimum monthly income of ₹20,000-25,000 for salaried applicants. Fuel Points redeem for free fuel specifically at IndianOil outlets via SmartBuy, and the surcharge waiver only applies to transactions between ₹400 and ₹5,000 at IOCL pumps.
Compare the Top RuPay Credit Cards
Compare the Top RuPay Credit Cards See how three popular RuPay cards stack up on fees, rewards and UPI usability.
| Feature |  BOB Select | SBI SimplySAVE | ICICI Coral RuPay |
|---|---|---|---|
| Best for | BOB Select: online + dining rewards | SimplySAVE: everyday grocery, dining, movies | Coral RuPay: lounge access, entry-level |
| Annual / renewal fee | ₹750, waived ₹70K | ₹499, waived ₹1L | Coral RuPay: ₹500 flat |
| UPI Usability | BOB Select: full RuPay UPI variant | Full RuPay UPI variant | Dedicated RuPay variant |
| Reward rate | BOB Select: 5X online/dining | SimplySAVE: 10X on 4 categories | Coral RuPay: points on every spend |
| Key limitation | BOB Select: cashback capped at ₹200 | No lounge access | Modest reward rate |
Explore Reviews of Top Lifetime Free Cards
Read the full breakdown of each card - eligibility, real reward value, and any conditions behind the ₹0 fee.
BOBCARD Select Credit Card
Joining fee: ₹500–₹999
- 5X rewards on online and dining spends via a RuPay UPI variant
- 1% cashback on online spends, capped at ₹200/month
- Fuel surcharge waiver included
- BOBCARD's own RuPay-on-UPI pick
SBI SimplySAVE Credit Card
Joining fee: ₹1–₹499
- 10X rewards on dining, grocery, movies and department stores
- Available as a RuPay UPI variant for scan-and-pay use
- No lounge access, kept low-cost by design
- A solid everyday-spend starter card
IDFC FIRST Millennia Credit Card
Joining fee: Lifetime free
- 10 reward points per ₹200 on dining, travel and international spends
- Zero annual fee, with a RuPay UPI variant available
- 4 railway lounge visits per quarter
- No airport lounge access
Axis MyZone Credit Card
Joining fee: ₹1–₹499
- ₹120 off on Swiggy orders, twice a month
- BOGO movie offers via District
- Free SonyLiv membership included
- Available as a RuPay UPI variant, lounge access with ₹50K quarterly spend
ICICI Bank Coral RuPay Credit Card
Joining fee: ₹1–₹499
- Reward points on every spend via a dedicated RuPay variant
- BOGO movie ticket offers
- Lounge access and dining discounts included
- One of India's most popular entry-level RuPay cards
Kotak 811 Dream Different Credit Card
Joining fee: Lifetime free
- Backed by a ₹10,000 FD, no income proof required, RuPay-enabled
- 4X rewards on online spends
- Reward points never expire
- 48-day interest-free cash withdrawal window
Axis Bank IndianOil Credit Card
Joining fee: ₹1–₹499
- 5 EDGE reward points per ₹100 on IndianOil fuel spends
- RuPay and UPI enabled on the same card
- ₹200/month fuel surcharge waiver
- Co-branded directly with IndianOil
IndianOil HDFC Bank Credit Card
Joining fee: ₹1–₹499
- 5X Fuel Points on IndianOil, grocery and utility bill spends
- Available with a RuPay UPI variant
- Fuel surcharge waiver at IndianOil pumps
- Up to 50 litres of free fuel
How We Evaluate Credit Cards to Find the Best Options for You
Reward Potential
We compare rewards, cashback, bonus rates and redemption value to understand how much you can earn from everyday spending.
Fees & Overall Value
We assess joining fees, annual charges, renewal costs and fee waivers to determine whether the benefits justify the overall cost.
Everyday Usability
We evaluate how well each card rewards everyday spending across shopping, dining, travel, fuel and other common categories.
Independent Assessment
We evaluate cards using features, fees, rewards, terms and exclusions to help you make a clear and informed comparison.
Choose the Right RuPay Credit Card
Confirm UPI Linking Support
Not every RuPay card supports UPI linking - check the specific variant before assuming scan-and-pay works.
Match Rewards To UPI Spending
Some issuers cap or exclude reward points on UPI transactions - check this before assuming the headline rate applies.
Check For Annual Fees
Most RuPay cards are lifetime free or low-fee - confirm any waiver conditions before applying.
Look Beyond Just UPI
Cards like IDFC Millennia and Axis IndianOil add travel or fuel perks on top of RuPay-UPI functionality.
Tip: The best RuPay card is the one whose reward categories match your daily UPI spending, not just the one with UPI support alone.
Understanding RuPay Credit Cards
A RuPay credit card runs on India's domestic card network, built by NPCI, and is currently the only network that lets a credit card be linked directly to UPI for scan-and-pay transactions. Popular RuPay credit cards in India include BOBCARD's own BOB Select, SBI SimplySAVE, IDFC FIRST Millennia, and RuPay variants of established cards like ICICI Coral and Kotak 811.
Most people use a RuPay-on-UPI card the same way they use UPI on a bank account - scanning QR codes at shops, paying vendors, and settling everyday bills - except the spend now earns credit card rewards and, in some cases, builds a repayment cycle instead of debiting instantly.
The real value of a RuPay card depends on how much of your spending already happens over UPI, since that's where its core advantage over a standard Visa or Mastercard shows up.
Explore Cards for Every Spending Need
UPI is just one part of your spending - these categories cover the rest.
HDFC Millennia Credit Card
Joining fee: ₹1,000 / year, waived at ₹1L spend
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato and more
- Quarterly complimentary lounge access voucher
- Fee waived on ₹1 lakh annual spend
- Beginner card for online shopping, dining and others spends
HDFC Bank Infinia Credit Card
Joining fee: ₹12,500 + GST (invite-only)
- Unlimited domestic and international lounge access via Priority Pass
- 3.3% base reward rate, up to 10X on SmartBuy
- Fee waived on ₹10 lakh annual spend
- It is Invite only cards as per request
Axis Bank Signature Credit Card
Joining fee: ₹3,000 / year, waived at ₹3L spend
- 10 EDGE reward points per ₹200 spent
- Priority Pass lounge access (visits chargeable)
- 50% cashback on BookMyShow
- IndiGo milestone voucher
Rupay Cards Guides and Reviews
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SBI Card Pulse's wellness focus vs SBI Prime's lifestyle rewards and lounge access - a real comparison to help you pick the right SBI card.
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BPCL Octane vs SBI Cashback 2026: Which Fits You?
BPCL SBI Card Octane's 7.25% fuel value-back vs SBI Cashback's flat 5% online rate - which card actually fits your fuel and everyday spending pattern.
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SBI Cashback vs Flipkart SBI 2026: Which Wins?
SBI Cashback's flat 5% on any merchant vs Flipkart SBI's tiered rates on specific partners - which online shopping card actually pays more.
Read Guide
Flipkart SBI vs Titan SBI 2026: Which Co-Brand Wins?
Flipkart SBI's flexible online cashback vs Titan SBI's jewellery-focused rewards - a real comparison to help you pick the co-brand card that matches your spending.
Read GuideFrequently Asked Questions
Everything you need to know before you apply for the right credit card.
Got question.
We've got answers.
Here are the most common questions people ask about cashback credit cards.
Does SBI offer a RuPay credit card?
Yes - SBI SimplySAVE is available as a RuPay UPI variant, earning 10X rewards on dining, grocery, movies and department stores.
Does HDFC Bank have a RuPay credit card?
HDFC's RuPay-UPI options are more limited than SBI or ICICI's - check with HDFC directly for current RuPay-enabled variants, as availability changes.
Does ICICI Bank offer a RuPay credit card?
Yes - ICICI Bank Coral is available in a dedicated RuPay variant, one of India's most popular entry-level RuPay cards.
Does Axis Bank have a lifetime free RuPay credit card?
Axis MyZone is available as a RuPay UPI variant, with a lifetime-free option depending on the specific plan chosen at application.
Can I use a RuPay credit card for UPI payments?
Yes - RuPay is currently the only card network in India that supports linking a credit card directly to UPI for scan-and-pay transactions.
Are there charges on RuPay credit card UPI transactions?
For personal use, most UPI transactions via RuPay credit cards carry no additional charge to the cardholder, though this is subject to change per RBI and NPCI guidelines.
What is RuPay Select, and is it different from a regular RuPay card?
RuPay Select is a premium RuPay tier offered by select banks with added benefits like airport lounge access - check with individual banks for current RuPay Select card availability.
Is there a RuPay credit card for IRCTC bookings?
IRCTC-linked RuPay cards are typically issued directly by specific banks as dedicated co-branded products - these sit outside card24.ai's current RuPay lineup, so check with the issuing bank directly.
What Cardholder Says
Scanning a UPI code with my credit card instead of debiting straight from my account changed how I think about everyday spending.
10X rewards on my regular grocery and movie spends through UPI feels like free money I wasn't earning before.
The RuPay UPI variant means I can use BOB Select literally everywhere, not just at card machines.