Top Credit Cards in India for UPI Payments – Rewards, Cashback & Low Fees (2025)

UPI has transformed digital payments in India, making transactions faster, safer, and more convenient. But did you know that linking your credit card to UPI can help you earn rewards, cashback, and other benefits on every transaction?

In this guide, we’ll explore the best credit cards in India for UPI payments in 2025, focusing on reward programs, cashback offers, and low annual fees so you can get the most value from your digital spends.

Benefits of Using Credit Cards for UPI Payments

Earn Rewards on Every Transaction: Many banks offer reward points for UPI payments, just like online shopping or retail spends.
Get Cashback: Some cards provide instant cashback on specific categories like groceries, bill payments, or e-commerce transactions.
Convenience: Pay directly from apps like PhonePe, Google Pay, Paytm, and BHIM without worrying about cash or net banking.
Track Spending: Using a credit card for UPI payments allows you to maintain a record of all transactions easily.

Key Features to Look For in UPI-Friendly Credit Cards

Feature	Why It Matters
Reward Rate	Higher reward points per ₹100 spent on UPI transactions maximize benefits.
Cashback Offers	Instant cashback on utilities, groceries, or online purchases.
Annual Fee	Lifetime free or low annual fee cards reduce cost of ownership.
Merchant Acceptance	Ensure your card works with all major UPI apps and merchants.
Other Perks	Fuel surcharge waivers, dining discounts, lounge access, etc., add extra value.

Top Credit Cards in India for UPI Payments (2025)

1. ICICI Bank RuPay Credit Card

Rewards: Earn reward points on all UPI and retail spends.
Fee: Low annual fee or lifetime free variants available.
Other Benefits: Dining discounts, fuel surcharge waiver.

2. HDFC Bank Regalia Credit Card

Rewards: 3X reward points on select online transactions, including UPI.
Fee: ₹2,500 annual fee (waived on yearly spends).
Other Benefits: Complimentary airport lounge access and travel perks.

3. Axis Bank Insta Easy Credit Card

Rewards: 1% cashback on UPI, online, and retail spends.
Fee: ₹500 annual fee (waived on spending ₹50,000/year).
Other Benefits: Partner restaurant discounts and EMI options.

4. SBI SimplyCLICK Credit Card

Rewards: 10X reward points on online and UPI transactions with partner merchants.
Fee: ₹499 annual fee.
Other Benefits: Discounts on popular e-commerce platforms.

5. YES Bank Paisabazaar RuPay Credit Card

Rewards: Cashback and points on UPI and everyday spends.
Fee: Lifetime free option available.
Other Benefits: Partner merchant offers and online shopping benefits.

Tips to Maximize Rewards Using Credit Cards on UPI

Use UPI Apps Frequently: Link your card to apps like PhonePe, Google Pay, or Paytm for day-to-day payments.
Combine Offers: Pay utility bills, groceries, or subscriptions via UPI to earn rewards on multiple categories.
Track Reward Caps: Some cards limit monthly reward points—plan your spending accordingly.
Pay Bills on Time: Avoid interest charges that can offset the rewards earned.
Check Partner Offers: Many banks offer bonus points for transactions at partner merchants.

Conclusion

Using a credit card with UPI payments is a smart way to earn rewards, cashback, and perks while enjoying the convenience of digital payments. Choose a card that suits your spending habits and maximizes benefits on your everyday transactions.

If you want to save more and earn more, linking the right credit card to your UPI app can be a game-changer for your financial management.

Best Credit Cards