Pay with credit on UPI apps. Ranked by our editor score: reward rate, fee-to-value, perks you will actually use and ease of approval.
Since 2022 RuPay credit cards can be linked to UPI apps, which means you can pay with credit at any QR code in the country: the vegetable vendor, the auto, the chemist. For many people this doubles the amount of spending they can put on a card.
Only RuPay cards work on UPI. The same card may exist as Visa and RuPay variants (Tata Neu Infinity does); choose RuPay if UPI matters to you. Merchants with monthly UPI receipts under ₹2,000 are exempt from the merchant fee, so the bank earns less on small transactions and most issuers cap or exclude UPI rewards accordingly.
Tata Neu Infinity RuPay pays 1.5% in NeuCoins on UPI, capped at 500 coins a month. ICICI Coral RuPay pays its standard 2 points per ₹100. Several bank RuPay cards pay nothing on UPI at all and exist mainly for convenience. We mark the UPI rate separately in each card's feature table.
Per-transaction and daily limits are set by the issuer and the UPI app, usually ₹1 lakh a day. Cash-like transactions (wallet loads, rent via UPI) are excluded from rewards and sometimes charged a fee. Statement and billing cycles are the same as for any credit card; pay in full to avoid 42% interest.
Anyone whose spending is mostly at small merchants and who wants the credit period and a single bill. Pair with a Visa or Mastercard for international use, since RuPay acceptance abroad is still limited.
Written by the CardSparrow editorial team. Figures checked against each issuer's MITC; see our editorial policy.
2 cards found
Best for tata brands & upi
5% NeuCoins on Tata Neu and Tata brands (BigBasket, Croma, Westside, Air India), 1.5% on UPI and everything else.
Best for upi on credit
RuPay card that links to UPI apps, 2 points per ₹100 on all spends including UPI, with quarterly lounge access on ₹35,000 spends.