UPI has revolutionized the nation’s digital payments by making instant transfers at any time and from anywhere in recent years. As for this massive user adoption, credit card issuers have been integrating UPI capabilities allowing clients to do end-to-end transactions with the usage of credit cards themselves.
With numerous credit cards available in the market, the RuPay credit card has been one of the most sought-after lately, because of its affordability, wide acceptance across merchants, and the fact that it is UPI-compatible. Below are articles detailing the best RuPay credit cards for UPI in 2025, their features, benefits, and how you can get the most from them.
RuPay is the indigenous payment network launched by the National Payments Corporation of India (NPCI). It is seen as a much cheaper alternative to global networks like Visa and MasterCard. Over time, RuPay credit cards have gained popularity due to their affordability, wide acceptance, and benefits tailor-made for Indian consumers.
The key player in the digital payments ecosystem of India, RuPay credit cards, coupled with UPI, bring along tremendous benefits. UPI ensures speedy and secure transactions, and linking a RuPay credit card with a UPI app opens a world of benefits, including cashback, discounts, and rewards.
In this blog, we will talk about some of the best RuPay credit cards available in 2025 that offer great value to UPI users.
Why RuPay Credit Cards are suitable for UPI?
RuPay credit cards can be very useful in transactions related to UPI through the following reasons:
Universal acceptance: RuPay credit cards are accepted by many Indian and international merchants, and it is also being accepted by UPI Apps like PhonePe, Paytm, Google Pay, BHIM UPI.
Low Fees: Annual fees and transaction charges with RuPay credit cards are typically low compared to international card alternatives. They are, hence, more affordable for Indian consumers to use.
UPI Integration: The RuPay credit cards are well integrated with the UPI apps, such that linking the cards with apps like Google Pay for UPI-based transactions is pretty easy.
Rewards and Cashback: Many RuPay credit cards come with handsome rewards and cashback schemes, particularly for UPI payments. These could be in the form of cashback on certain transactions or earning points for every purchase made via UPI.
Security: RuPay cards have security features like EMV chip technology and 3D secure authentication that make UPI payments highly secured.
Important Features of a RuPay Credit Card for UPI
UPI Compatibility: The card should be UPI compatible, and it should be compatible with popular apps such as Google Pay, PhonePe, and Paytm. Most RuPay cards now accept UPI, so it is always good to confirm.
Transaction Limits: Check whether the card has suitable transaction limits for UPI payments. Some cards offer a higher transaction limit, and some have restrictions.
Rewards and Cashback: Most RuPay cards provide rewards or cashback on UPI transactions, mostly for categories like online shopping, bill payments, and groceries. Ensure that the card offers good benefits as per your spending habits.
Annual Fees: Look into the annual fee and rate of interest. Some RuPay credit cards do not have any annual fee for the first year, or even on the basis of your expenditure.
Security Features: Look for RuPay cards with extra security features, such as 3D secure authentication or OTP-based verification for UPI transactions.
Best RuPay Credit Cards for UPI Transactions in 2024
SBI RuPay Platinum Credit Card
The best option for UPI users is, of course, the SBI RuPay Platinum Credit card. It has a comprehensive list of features that make this card ideal for daily usage.
Key Features:
Cashbacks: 5% of cashback on groceries, 1% of cashback on all other purchases.
Rewards: 1 reward point per ₹ 100 spent.
UPI Perks: Instant payments in UPI apps like PhonePe, Paytm and Google Pay.
Annual Fee: ₹499, waived off if the annual spend exceeds ₹1 lakh.
Other Perks: Get access to airport lounges, free of cost, as well as 24×7 customer support.
Ideal For: Those who shop frequently, get cashback and reward points on UPI-based transactions.
Axis Bank RuPay Signature Credit Card
The Axis Bank RuPay Signature Credit Card is also another good credit card to be used with UPI. It is rich in all the benefits it can provide to a user.
Features
Rewards: 2 reward points for each ₹150 spent.
Cashback: 5% cashback on bill payments via UPI.
UPI Benefits: The card can easily be linked with other popular UPI apps.
Annual Fee: ₹1,500 that gets waived off at ₹1.5 lakh of annual spends.
Other Perks: Complimentary lounge access, waiver on fuel surcharge and discount at dine-in.
HDFC RuPay Regalia Credit Card
The HDFC RuPay Regalia Credit Card is very much ideal for premium usage users who look for augmented benefits while transacting over UPI.
Key Features:-
Cash Back: 5% cashback on selected categories that include UPI utilities bills.
Rewards: 4 reward points for each Rs. 150 spent.
UPI Benefits: Link to UPI apps for quick and safe payments.
Annual Fee: ₹2,500 (completely waived off if one spends ₹3 lakh in an annum).
Other Benefits: Complimentary lounge access, personal accident insurance, and concierge services.
Best For: Those with premium cards wanting premium features and rewards when using UPI transactions.
ICICI Bank RuPay Platinum Credit Card
The ICICI RuPay Platinum Credit Card is the correct choice for combining convenience, rewards, and UPI-specific benefits, making it the most sought-after credit card.
Key Features:
Cashback: 2% cashback on internet spends and 1% on others.
UPI Benefits: Supported by significant apps like Paytm and Google Pay.
Annual Fee: ₹499; waived off on spending ₹30,000 yearly.
Other Benefits: Fuel surcharge waiver, movie ticket discount, and reward points.
Suitable for: Those who want to save money with cash back and rewards while making online transactions and bill payments using UPI.
Ideal for: A person in the market for a credit card with a balance of reward and cashback, which also supports UPI transactions.
Comparison Table
How to Apply for a RuPay Credit Card?
Eligibility Criteria:
Age: 21 years
•Income: ₹25,000 per month (it may vary with the card)
•Credit score: more than 750
•Documents Required:
•Identity proof: Aadhaar, PAN
•Income proof: salary slips, bank statements
•Address proof: utility bills, rental agreement
How to Apply?
•Visit the website or mobile application of the bank
•Fill up the application form
•Submit your documents as required
•Await approval – typically within 7-10 business days.
Pros of Using RuPay Credit Cards with UPI
Pros:
•Low fees compared to international credit cards
•Easy integration with popular applications of UPI
•Reward and cash back on the transactions done with UPI
•High-security features owing to chip technology
Cons:
•Lower acceptance than Visa and MasterCard globally
•Lower credit limit on several cards.
Benefits of RuPay Credit Cards with UPI
•Low charges as compared to international credit cards
•Easy integration with popular applications of UPI
Reward and cash back on the transactions done •with UPI
•High-security features owing to chip technology
Disadvantages:
•Less acceptance than Visa and MasterCard worldwide
FAQs on RuPay Credit Cards and UPI
Q: Do all RuPay credit cards support UPI?
A: Most RuPay credit cards are UPI-enabled, but it’s always a good idea to check with the bank.
Q: Are there transaction limits on RuPay credit cards for UPI payments?
A: Yes, the transaction limits differ according to the type of card.
RuPay credit cards are one of the best ways to use UPI transactions since it enables users to make secure payments and earn rewards and cashback. According to your spending habits and preferences, your best RuPay credit card would be different, but those mentioned above are among the top choices in 2024.
Think of your needs, weigh the benefits against each other, and get the RuPay credit card that would suit your lifestyle today!