Best credit cards for UPI in India
Only RuPay credit cards work on UPI. These let you scan any shop's QR code and still earn card rewards.
3 cards to consider
Each link opens the bank's referral offer. Choose the card named below when you apply.
Kiwi RuPay Credit Card
₹100 joining reward
Bonus for you
Kiwi RuPay card: lifetime free and built for UPI, with cashback on scan-and-pay.
Tata Neu Credit Card (NeuCard)
Joining fee waived + perks
Bonus for you
Tata Neu HDFC (RuPay variant): earns NeuCoins on UPI payments, more when you use a Tata Neu UPI ID.
SBI Card
₹500 Amazon voucher
Bonus for you
Many SBI cards come on RuPay. Ask for the RuPay variant to use it on UPI.
Before you apply
- Credit card UPI works at shops and merchants, not for sending money to friends.
- Some cards give lower or no rewards on small UPI payments. Check the minimum.
- It's still a credit card: pay the full bill every month to avoid interest.