Best Credit Cards for UPI Payments in India (GPay, PhonePe, Paytm)
Tired of your bank account draining from small daily transactions? Link a RuPay Credit Card to UPI! You can now scan and pay at any merchant using Google Pay, PhonePe, or Paytm while earning cashback on every scan. We've handpicked the best RuPay credit cards from HDFC, SBI, Axis, IDFC FIRST, Kiwi & Yes Bank that make UPI payments rewarding. 🚀 If you are a freelancer or have a low CIBIL score, check out our guides on freelancer-friendly cards and low CIBIL options.
Last Updated: May 2026
Top RuPay Credit Cards for UPI Payments
Handpicked beginner-friendly cards from trusted banks to link with your favorite UPI apps.
Quick Comparison: Best UPI Cards at a Glance
| Card Name | Bank | Annual Fee | UPI Cashback | UPI Value | Best For |
|---|---|---|---|---|---|
| Kiwi RuPay Card | Yes Bank | ₹0 (LTF) | 2% Scan & Pay | Excellent | Daily UPI Payments |
| HDFC Millennia | HDFC | ₹1,000* | 1% UPI + 5% Online | Very High | All-Round Rewards |
| SBI Cashback | SBI | ₹999* | 5% Online + UPI | High | Online Shopping |
| Axis Ace | Axis | ₹499* | 5% Partners, 2% Bills | High | Bills & Food Delivery |
| IDFC FIRST Select | IDFC FIRST | ₹0 (LTF) | 3X–10X Points | Good | UPI + Lounge Access |
| HDFC Swiggy Card | HDFC | ₹500* | 10% Swiggy + 1% UPI | Good | Food Delivery |
| Axis Airtel Card | Axis | ₹500* | 25% Airtel + 1% UPI | Good | Airtel Subscribers |
| IDFC FIRST WOW | IDFC FIRST | ₹0 (LTF) | 4X Rewards | Good | Building Credit |
| Yes Bank Prosperity | Yes Bank | ₹399* | Reward Points | Good | Everyday Spends |
* Annual fee waived on meeting minimum annual spend requirement. All cards listed are RuPay-enabled and support UPI via GPay, PhonePe, and Paytm.
Found your perfect UPI card? Apply before offers expire!
🚀 Compare & Apply NowHow to Link Your RuPay Credit Card to Google Pay, PhonePe, or Paytm
Linking your new RuPay credit card to any UPI app is a simple 2-minute process. Follow these beginner-friendly steps:
Key insight: You can only use a credit card on UPI to pay merchants (like shops, Swiggy, Zomato). You cannot send money to friends or family using a credit card on UPI.
Benefits of Using a RuPay Credit Card for UPI
Why should you switch from using your savings account to a RuPay credit card for daily UPI payments?
Earn Cashback Daily
Instead of zero rewards from your bank account, earn 1% to 2% cashback on every chai, grocery, and fuel payment via UPI.
Clean Bank Statements
No more hundreds of ₹20 transaction entries cluttering your savings account statement.
Up to 50 Days Free Credit
Keep your cash in the bank to earn interest and pay your UPI credit card bill after 45-50 days.
Build CIBIL Score
Regular small UPI payments and timely bill clearance is the fastest way to build an excellent credit score.
Looking for maximum cashback on everything? Check our full best cashback credit cards guide.
Best UPI Credit Card by Bank
- HDFC Bank → HDFC Millennia (best all-rounder), HDFC Swiggy Card (best for food lovers)
- SBI → SBI Cashback (5% online cashback + UPI rewards)
- Axis Bank → Axis Ace (best for bills), Axis Airtel (best for Airtel users)
- IDFC FIRST → IDFC FIRST Select (LTF + lounge), IDFC FIRST WOW (guaranteed approval)
- Kiwi / Yes Bank → Kiwi RuPay (best UPI cashback), Yes Bank Prosperity (easy approval)
If you're a salaried employee, you may also want to explore our best salary credit cards guide for more options.
Best Lifetime Free UPI Credit Cards
Don't want to pay annual fees for UPI rewards? These lifetime free (LTF) cards give you UPI cashback without any charges:
- Kiwi Yes Bank RuPay Card — ₹0 forever. 2% on scan-and-pay. The ultimate free UPI card.
- IDFC FIRST Select — ₹0 forever. 3X–10X reward points + 4 lounge visits per quarter. Premium perks at zero cost.
- IDFC FIRST WOW — ₹0 forever. FD-backed, guaranteed approval. Best for beginners building credit via UPI.
For more options, see our lifetime free credit cards guide.
Need Help Choosing Your UPI Credit Card?
Share your preferred UPI app, spending habits, and bank — our expert will recommend the best RuPay credit card for maximum UPI cashback.
Get Free Expert Call →Frequently Asked Questions
Common questions about UPI credit cards in India, answered by our experts.
You can link any RuPay credit card to Google Pay for UPI payments. Top options include HDFC Millennia, Kiwi Yes Bank RuPay Card, SBI Cashback, Axis Ace, IDFC FIRST Select, and Yes Bank Prosperity. All of these work seamlessly with GPay, PhonePe, and Paytm.
The Kiwi Yes Bank RuPay Card offers the best UPI cashback with 2% on every scan-and-pay transaction — and it's lifetime free. HDFC Millennia gives 1% on UPI + 5% on Amazon/Flipkart. SBI Cashback gives 5% on all online transactions.
Yes! PhonePe supports RuPay credit cards for UPI payments. You can link cards from HDFC, SBI, Axis, IDFC FIRST, and Yes Bank (including Kiwi). Go to PhonePe > Payment Methods > Add RuPay Credit Card, select your bank, and set a UPI PIN.
Absolutely! The Kiwi Yes Bank RuPay Card is our #1 pick for UPI payments. It's lifetime free, gives flat 2% cashback on scan-and-pay, works with GPay, PhonePe, and Paytm, and has a super-easy approval process with instant virtual card issuance.
No. RBI only allows credit cards on UPI for merchant payments (P2M). You can pay at shops, restaurants, Swiggy, Zomato, Amazon, or any business QR code. But you cannot send money to friends/family (P2P) using a credit card on UPI.
Kiwi Yes Bank RuPay Card is the best lifetime free UPI card with 2% cashback. For extra perks, IDFC FIRST Select (also LTF) adds 4 lounge visits per quarter and never-expiring reward points. IDFC FIRST WOW is ideal for beginners with guaranteed approval.
IDFC FIRST Bank offers the easiest approval with their WOW card (FD-backed, guaranteed approval, no CIBIL needed). SBI and Yes Bank also have high approval rates for salary account holders. Kiwi offers instant virtual card issuance with simple KYC.
Yes! Students can get UPI credit cards through:
- IDFC FIRST WOW: Open an FD of ₹10,000+ and get a guaranteed-approval card
- Kiwi Yes Bank: Easy approval with basic KYC documents
- SBI/HDFC secured cards: Backed by Fixed Deposit, no income required
- Add-on cards: Get added to a family member's HDFC, SBI, or Axis card
Ready to Earn Cashback on Every UPI Scan? 📱
Stop paying from your savings account. Link a RuPay credit card to GPay, PhonePe, or Paytm and earn rewards on every scan-and-pay transaction.