CardAgent

Best credit cards for UPI payments in India (2026)

RuPay credit cards linked to UPI apps (GPay, PhonePe, Paytm, BHIM). Rewards vary widely by MCC of the receiving merchant.

  1. 1
    ICICI Bank
    ICICI Diamant Credit Card
    6% on UPI RuPay credit₹11,800/yr incl. GST
    6 pts/Rs100 on INTERNATIONAL spends specifically
    89
  2. 2
    Federal Bank
    Jupiter Aurora Metal Debit Card
    5% on UPI RuPay creditCap ₹1,000/mo₹9,439/yr incl. GST
    5% cashback on eligible debit card spends, capped ₹1,000/month (~₹12,000/year). Minimum txn value & eligible MCCs apply. Paid as Jewels (5 Jewels = ₹1).
    44
  3. 3
    Axis Bank
    Axis Bank Samsung Infinite Credit Card
    5% on UPI RuPay credit₹5,900/yr incl. GST
    5 EDGE RP per ₹100 base (₹0.20/RP → ~1% effective)
    39
  4. 4
    Kotak Mahindra Bank
    Kotak811 Super Platinum Debit Card
    5% on UPI RuPay creditCap ₹500/mo₹354/yr incl. GST
    FLAT 5% cashback up to ₹6,000 per year. Only on ECOM & POS spends. Requires single credit deposit of ₹10,000 in the month.
    30
  5. 5
    SBI Card
    SBI Aurum Credit Card
    4% on UPI RuPay credit₹11,799/yr incl. GST
    4 RP/Rs100 uncapped base rate, premium tier
    80
  6. 6
    ICICI Bank
    ICICI Bank Emeralde Credit Card
    4% on UPI RuPay credit₹14,160/yr incl. GST
    4 RP per ₹100 on retail spends → ~1% effective at ₹0.25/RP statement credit
    35
  7. 7
    Standard Chartered
    Standard Chartered Ultimate Credit Card
    3.33% on UPI RuPay credit₹5,900/yr incl. GST
    5 pts/Rs150 = 3.33%, uncapped, broad category coverage; 1pt=Rs1 flat value
    73
  8. 8
    Standard Chartered
    SC Ultimate Credit Card
    3.33% on UPI RuPay credit₹5,900/yr incl. GST
    5 pts/Rs150 = 3.33%, uncapped, broad category coverage; 1pt=Rs1 flat value
    73

How we rank

We compute an effective % back for each card's UPI RuPay credit reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Do RuPay UPI credit cards earn on all UPI?

No — most exclude P2P transfers, wallet loads, rent, and utilities. Rewards typically apply only to P2M (merchant) transactions in eligible MCCs.

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