RuPay UPI Offer: Get Flat ₹250 Cashback on Credit Card Use

RuPay has introduced a limited-time cashback campaign to promote the use of RuPay Credit Cards on UPI. Under this offer, eligible cardholders can earn a flat ₹250 cashback simply by linking their RuPay Credit Card to UPI and completing qualifying transactions.

This initiative is powered by NPCI and is applicable across multiple partner banks such as HDFC Bank, SBI Card, ICICI Bank, Axis Bank, Yes Bank, IDFC First Bank, and Kotak Mahindra Bank. The offer is designed specifically for users who have never used their RuPay Credit Card on UPI before.

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Credit Card Cashback RuPay UPI Offer Explained

UPI payments in India have largely been driven by debit cards and bank accounts. With this campaign, RuPay is expanding the ecosystem by allowing credit cards to be used seamlessly for everyday QR-based UPI payments.

From grocery shopping to local merchant payments, users can now enjoy the convenience of UPI along with the flexibility of credit. This move makes UPI transactions more rewarding while helping RuPay increase credit card adoption.

Offer Validity

The RuPay UPI cashback offer is valid from 7 January 2026 to 31 March 2026.

What Is the RuPay ₹250 Cashback Offer

This cashback campaign rewards RuPay Credit Card holders who make their first-ever credit card transaction on UPI. Once the card is successfully linked to UPI and two eligible transactions are completed, the user becomes eligible for a one-time cashback of ₹250.

The offer is focused on encouraging first-time usage of RuPay Credit Cards on UPI and is available only for a limited period.

Key Offer Details and Conditions

• The offer is valid only during the campaign period
• The cardholder must not have made any RuPay Credit Card UPI transaction between 1 January 2025 and 31 December 2025
• A minimum of two eligible UPI transactions with a total value of ₹250 or more is required
• Cashback is generally credited within sixty days of completing the eligible transactions
• The offer cannot be combined with any other bank or NPCI offers
• NPCI reserves the right to modify or withdraw the offer without prior notice

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Bottom Line

If you own a RuPay Credit Card and have never used it on UPI, this offer is an easy way to earn ₹250 cashback with minimal effort. With just two qualifying UPI transactions, the reward is simple to unlock and works across multiple banks.

For first-time RuPay Credit Card UPI users, this promotion makes switching to credit-based UPI payments more attractive and rewarding.