28 July 2026
RuPay credit cards, like the Tata Neu Infinity HDFC Bank RuPay Credit Card and HSBC RuPay Cashback Credit Card, offer native integration with UPI. So, instead of carrying physical cards or entering 16-digit card numbers, you can link a RuPay credit card directly to payment apps like Google Pay, PhonePe, Paytm, or BHIM.
This allows you to scan any merchant's UPI QR code and pay directly with your credit line, rather than withdrawing funds from your savings account. Furthermore, these cards give reward points and benefits on top of the convenience.
Here is a list of the best RuPay credit cards based on the rewards, benefits, and annual fees.
|
RuPay Credit Card |
Annual Fees |
Rewards and Benefits |
|---|---|---|
|
Tata Neu Infinity HDFC Bank RuPay Credit Card |
₹1,499 + GST |
|
|
HSBC RuPay Cashback Credit Card |
₹499 + GST |
|
|
Kiwi RuPay Credit Card (issued via YES Bank / AU Small Finance Bank) |
₹0 |
|
|
Airtel Axis Bank RuPay Credit Card |
₹500 + GST |
|
|
IDFC First Power RuPay Select Credit Card |
₹199 + GST |
|
|
HDFC Bank UPI RuPay Credit Card |
₹99 + applicable taxes |
|
|
Axis Bank SuperMoney RuPay Credit Card |
₹0 |
|
|
Scapia Federal RuPay Credit Card |
₹0 |
|
|
IndusInd Bank Platinum RuPay Credit Card |
₹0 |
|
|
HDFC MoneyBack+ RuPay Credit Card |
₹500 + GST |
|
This card gives you the overall highest value for loyalists of the Tata ecosystem and high spenders.
Fees: ₹1,499 + GST (waived on spending ₹3,00,000 in the previous year)
Rewards & Benefits:
5% back as NeuCoins on Tata Neu app/website and partner brands (BigBasket, Croma, 1mg, Air India Express, etc.).
1.5% back as NeuCoins on everyday UPI and other non-Tata spends.
8 complimentary domestic airport lounge visits and 4 international airport lounge visits per year.
Low foreign currency markup of 2%.
This card is perfect for city dwellers' food and kitchen bills and gives you the highest direct cashback on daily lifestyle categories like dining and groceries.
Fees: ₹499 + GST.
Rewards & Benefits:
10% instant cashback on dining, food delivery apps (Swiggy/Zomato), and grocery spending (capped at ₹400/month).
1% flat cashback on all other eligible UPI and retail purchases.
8 domestic lounge visits per year (2 per quarter) and 2 international lounge visits per year.
This one offers pure, digital-first UPI QR code tracking and cashback. It suits people who just want straight cashback without complicated conversion matrices.
Fees: ₹0 (lifetime free)
Rewards & Benefits:
Base rate of 1.5% real cashback on offline UPI spends via the Kiwi app.
Up to 5% cashback on UPI if you subscribe to their optional Neon membership (₹999/year).
Cash rewards are credited directly into your bank account
3 complimentary airport lounge visits per year (with Neon membership)
Apply for High Limit Credit Cards upto ₹5 Lakh*
The Airtel Axis Bank RuPay Credit Card can save a household up to ₹12,000 a year purely on basic recurring necessities like utility bill payments, recharges, and everyday food apps.
Fees: ₹500 + GST (waived on annual spends above ₹2 Lakhs).
Rewards & Benefits:
Get an Amazon eVoucher worth ₹250 on the first transaction made within the first 30 days of card issuance.
25% cashback on Airtel mobile, Wi-Fi, broadband, and DTH bills paid via the Airtel Thanks app.
10% cashback on utility bills (electricity, water, gas) via the Airtel Thanks App.
10% cashback on partner apps like Swiggy, Zomato, and BigBasket.
4 complimentary domestic lounge visits per year.
IDFC First Power RuPay Select Credit Card is a budget-friendly option for car and bike owners trying to stack rewards at the pump. It offers high fuel savings and vehicle roadside assistance.
Fees: ₹199 + GST (waived on hitting ₹50,000 annual spend).
Rewards & Benefits:
Up to 5% value back on HPCL fuel purchases (includes a 1% fuel surcharge waiver).
2.5% rewards back on grocery and utility spending.
2X reward points on all everyday UPI transactions.
Free roadside assistance package valued at ₹1,399.
HDFC Bank UPI RuPay Credit Card is issued mostly as a virtual-only companion card. Its barrier to entry is low, and the threshold to waive the fee is simple.
Fees: ₹99 + GST (waived on an annual spend of ₹25,000).
Rewards & Benefits:
3% CashPoints on groceries, dining, supermarket shopping, and purchases via PayZapp.
2% CashPoints on utility payments.
1% CashPoints on all other UPI/regular retail spends.
Axis Bank SuperMoney RuPay Credit Card is a simple choice if you do not want an annual fee and are comfortable routing your scans through the super.money app.
Fees: ₹0 (Lifetime free).
Rewards & Benefits:
3% cashback on UPI transactions executed specifically inside the super.money app.
1% flat cashback on all other eligible retail/UPI spends outside the app.
1% fuel surcharge waiver on transactions at fuel stations across India.
Scapia Federal RuPay Credit Card is for frequent travelers looking to convert their day-to-day UPI spend into travel tickets. If you are trying to cover flights or hotels using coins accrued from scanning tea stalls and grocery shops, this is a solid credit card.
Fees: ₹0 (Lifetime free).
Rewards & Benefits:
5% rewards on eligible UPI and standard card spends of ₹500 or more when using Scapia Pay.
Zero foreign currency markup on global transactions.
Unlimited domestic lounge access (unlocked by hitting a monthly spend milestone of ₹10,000).
IndusInd Bank Platinum RuPay Credit Card is great for heavy UPI spenders who routinely hit the ₹500/month maximum reward caps imposed by other banks.
Fees: 0 (Lifetime free).
Rewards & Benefits:
2 reward points per ₹100 spent on UPI transactions.
1 reward point for every ₹100 spent via non-UPI transactions.
Comprehensive travel insurance coverage up to ₹2.25 Lakhs.
1% fuel surcharge waiver.
HDFC MoneyBack+ RuPay Credit Card offers classic e-commerce multiplier rewards with standard RuPay UPI tracking. This card can be beneficial to online shoppers who want the added flexibility of offline UPI.
Fees: ₹500 + GST (waived on spending ₹50,000 annually).
Rewards & Benefits:
10X CashPoints when shopping with online giants like Amazon, Flipkart, BigBasket, and Swiggy.
Gift voucher worth ₹500 on spends of ₹50,000 per calendar quarter.
5X CashPoints on merchant EMI transactions.
Additional 10% off on Swiggy Dineout.
NPCI allows only RuPay credit cards to be linked directly for UPI QR scanning. Visa and Mastercard cannot be scanned over standard UPI QR codes; however, they can be saved for online merchant checkout or tap-and-pay.
To do this, your UPI app mobile number must strictly match the mobile number registered with your credit card issuing bank. Here is a step-by-step guide to linking RuPay credit cards with your payment app:
Step 1: Open app payment settings
Open your UPI app (Google Pay, PhonePe, Paytm, or BHIM) and tap your Profile Picture in the top corner.
Step 2: Select 'Add RuPay Credit Card'
Look for options like "Add RuPay Credit Card on UPI" or "Link Credit Card".
Step 3: Choose your issuing bank
Select the bank that issued your credit card. The app will automatically fetch your RuPay card linked to your registered mobile number.
Step 4: Set or enter your UPI PIN
If you are doing this for the first time, enter the last 6 digits of your RuPay credit card along with the expiry date, verify via OTP, and create a new 4-digit or 6-digit UPI PIN. If already created, use your existing UPI PIN for this card.
Using your RuPay credit card for UPI payments is straightforward. Simply follow these steps:
Step 1: Open your UPI app and scan the merchant QR code.
Step 2: Enter the bill amount.
Step 3: On the payment selection screen, tap the dropdown menu and select your RuPay credit card instead of your savings bank account.
Step 4: Enter your UPI PIN to authorize the payment.
RuPay credit cards offer the convenience of UPI payments along with the lucrative reward structures of traditional credit cards. The "best" card is subjective and depends on your unique spending profile, whether your priority lies in travel, fuel, dining, or straightforward cashback.
To maximize your benefits, you can estimate where you make most of your monthly expenses before applying to choose the card that aligns with your lifestyle.
If you are looking for a credit card that suits you, apply for lifetime free credit cards with a credit limit up to ₹5 Lakh on the Moneyview website or app.
These RuPay credit cards are offered as lifetime free options:
Kiwi RuPay Credit Card (issued via YES Bank / AU Small Finance Bank)
Axis Bank SuperMoney RuPay Credit Card
IndusInd Bank Platinum RuPay Credit Card
Yes, RuPay credit cards are considered a good fit for Indian citizens. They are designed to meet local needs, provide quick transaction processing, and offer benefits on most transactions.
RuPay credit cards have several advantages, including UPI integration, wide domestic acceptance throughout India, lower merchant and transaction fees, and enhanced security standards.
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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