Best RuPay Credit Cards for UPI Payments in 2025

With NPCI enabling RuPay credit cards to be linked on UPI, paying via QR, UPI apps or merchant checkouts using credit has become easier and more rewarding. If you use UPI frequently, choosing a RuPay credit card that offers good rewards + no or low fees can give you very high value.

Here are some of the top RuPay credit cards in India (2025) that work well with UPI, along with what to watch out for.

What to Look for in a UPI-Friendly RuPay Credit Card

Feature Why It Matters

Reward rate on UPI transactions

Since you’ll be using UPI a lot, having bonus rewards for UPI spends gives more benefit.

Fees (joining / renewal) & fee waivers

Even a small fee eats into rewards. Lifetime-free or low fee is better.

Cap on rewards or max points per month

Some cards limit how much you can earn via UPI or on reward categories.

Other perks (fuel surcharge waiver, lounge access, dining, etc.)

Adds value beyond just UPI payments.

Merchant acceptance / QR support

Even if your card supports UPI, not all merchants accept RuPay credit via UPI yet.

Top Picks: RuPay Credit Cards for UPI Payments

Here are some good RuPay credit cards in 2025 that offer solid benefits when used via UPI:

Card Key UPI / Reward Features Fee & Other Perks

ICICI Bank RuPay Credit Cards

ICICI allows linking RuPay credit cards to UPI. You can pay via QR & merchant UPI checkouts using your RuPay card and earn reward points on those spends.  ICICI Bank

Fee depends on the specific card; watch for reward‐earning caps & eligible categories. ICICI Bank

IndusInd Bank Platinum RuPay Credit Card

Rewards on UPI/merchant QR payments; bonus points for utility, insurance, government/education spends. mint+1

Often lifetime free; also comes with other lifestyle benefits like lounge access. Trade Brains+1

YES Bank / Paisabazaar PaisaSave Credit Card

Cashback including UPI payments; good reward rates on online + UPI transactions. mint+1

Modest annual fee; fee waiver on reaching threshold spends. mint+1

HDFC Bank UPI RuPay Credit Card

3% CashPoints on groceries, supermarkets, dining & other select categories incl. UPI; lower % on others. HDFC Bank+2The Economic Times+2

Small annual fee (waived upon reaching certain spend), monthly caps on rewards in certain categories. The Economic Times+1

Axis Bank Fibe RuPay Credit Card

Cashback on lifestyle categories via UPI; works with Axis UPI support.  Trade Brains+1

No joining / annual fees; plus some lounge access / dining discounts.  Trade Brains+1

Pros & Cons of Using RuPay Credit Card on UPI

Pros:

  • More flexibility: can pay via UPI with your credit limit rather than bank account
  • Earn rewards on everyday transactions via UPI
  • Quicker checkout options (QR scans, etc.)

Cons / Things to Watch Out:

  • Merchant acceptance is not universal; some merchants don’t accept “credit card via UPI” or may disable RuPay CC on UPI.  Reddit+1
  • Some categories excluded from rewards (fuel, EMIs, etc.)
  • There may be caps on how many reward points or cashback you can earn for UPI or category spends.
  • Even if “joining/annual fee = lifetime free” for many cards, there may be conditions / minimum spends required for waiver.

How to Link Your RuPay Credit Card to UPI

  1. Use your UPI app (BHIM / PhonePe / Paytm / etc.).
  2. Find “Add Payment Method” or “Link Credit Card” and choose “RuPay Credit Card.”
  3. Verify via OTP / app. You may need to set a UPI PIN for the card. Govt/bank apps may show separate menu “Credit Card via UPI”. News18+1
  4. Once linked, when making payments at merchants/QR codes or UPI checkout, select your credit card option.

Final Thoughts

If you’re a frequent UPI user for groceries, dining, utilities, etc., a RuPay credit card with good UPI rewards + low or no fees can give you strong returns. The cards listed above are among the best in 2025 for combining UPI convenience with credit card benefits.

Before applying: compare your spend pattern, check whether your go-to merchants accept credit card via UPI, and see whether reward caps or fee waivers work in your favour.

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