Best RuPay UPI Credit Cards in India
Cards with RuPay or UPI usage signals for users interested in UPI-linked credit card spends.
Cards qualify when records mention RuPay, UPI, or UPI-linked usage.
UPI rewards and eligible merchant categories can be restricted. Verify current issuer terms.
Top Picks To Review First
Ordered by quality score, then card name. These are research starting points, not personalized recommendations.
| Card | Bank | Fee | Quality | Sources | Action |
|---|---|---|---|---|---|
| ICICI Bank Emeralde Private Metal Credit Card | ICICI Bank | Fee: ₹6,000 | High · 90 | 4 | Details |
| HPCL IDFC FIRST Power+ Credit Card | IDFC First Bank | Fee: ₹50,000 | High · 80 | 3 | Details |
| IDFC FIRST Bank Mayura Credit Card | IDFC First Bank | Fee: ₹4 | High · 80 | 3 | Details |
| IDFC FIRST SWYP Credit Card | IDFC First Bank | Fee: Unknown | High · 80 | 2 | Details |
| ixigo AU Credit Card | AU Small Finance Bank | Fee: ₹1,000 | High · 80 | 2 | Details |
| Kiwi RuPay Credit Card | Axis Bank | Fee: ₹0 | High · 80 | 1 | Details |
| Myntra Kotak Credit Card | Kotak Mahindra Bank | Fee: Unknown | High · 80 | 1 | Details |
| NEXTERIA Credit Card | Union Bank of India | Fee: Unknown | High · 80 | 1 | Details |
Matching Cards
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ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
Best for: Travelers who value lounge access as part of card selection.
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Rs. 6,000
Security features: The ICICI Emeralde Private Metal Credit Card provides advanced security features, including fraud protection on unauthorised transa...
Customer support accessibility: You can call their 24/7 available customer care at 1800 1080 or request services using Online Assist.
High quality score (90) based on current website signals.
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For the first time in the history of ICICI Bank Credit Cards, the bank has introduced a rewarding super premium credit card named Emeralde Private Metal Credit Card. Essentially, ICICI Bank has taken feedback on the previously launched regular Emeralde Credit Card and addressed those shortcomings, such as the reward...
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IDFC First Bank
HPCL IDFC FIRST Power+ Credit Card
Best for: Travelers who value lounge access as part of card selection.
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Rs. 50,000
Fuel: 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month 1.5% savings as Payback Rewards through HP Pay App fueling up to...
If your monthly budget includes regular fuel, utility, and UPI spends, the HPCL IDFC FIRST Power Credit Card is a smart, low-fee option.
High quality score (80) based on current website signals.
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Refuel your savings with the HPCL IDFC First Power Plus Credit Card. Get cashback, reward points, & discounts on fuel purchases at HPCL petrol pumps.
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IDFC First Bank
IDFC FIRST Bank Mayura Credit Card
Best for: People who want lower fees without removing stronger card features entirely.
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Rs. 4
Points don’t expire
1 Reward Point = 0.25 INR (Regular) / 1 Reward Point = 0.50 INR (Travel)
High quality score (80) based on current website signals.
missing_eligibility
1% fuel surcharge waiver up to ₹300 in a statement cycle on fuel transactions valued between ₹200 and ₹5000
IDFC FIRST Bank launched the Mayura & Ashva Credit Cards about a year ago under the premium segment as paid variants. While they didn’t make much noise initially, recent upgrades like accelerated rewards and 2X point value have given life to the card.
IDFC FIRST SWYP Credit Card
Best for: Travelers who value lounge access as part of card selection.
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Fuel: Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.
Save 25% on movie tickets (up to Rs 100) and more throughout the year at your favorite stores, including Domino's, EaseMyTrip, SUGAR Cosmetics, TATA C...
High quality score (80) based on current website signals.
Fee details are incomplete or not clearly stated in the current dataset.
Fuel: Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.
IDFC FIRST Bank introduces a credit card with exclusive benefits for Gen Z including discounts on Dominos, flights, hotels, Zomato, and movie tickets.
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AU Small Finance Bank
ixigo AU Credit Card
Best for: People who want lower fees without removing stronger card features entirely.
Rs. 1,000
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Fuel: 1% surcharge waiver (up to ₹250) on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.
1 international lounge access in a year 8 domestic airport lounge visits in a year (2 per quarter) 8 railway lounge accesses in a year (2 per quarter)
High quality score (80) based on current website signals.
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Fuel: 1% surcharge waiver (up to ₹250) on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.
Enjoy 10% discounts on flights, hotels, and buses booked via ixigo, plus no payment gateway fees on train bookings with the ixigo AU Credit Card.
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Axis Bank
Kiwi RuPay Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
1 Kiwi = ₹0.25 (redeemable as statement credit)
At a 1.5% base cashback, the Kiwi RuPay Card may not sound extraordinary compared to cards like the Snapdeal BoB Credit Card or Tata Neu Infinity HDFC...
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
Details; NIL (Lifetime Free); Cashback Rate; The Kiwi RuPay Credit Card is completely Lifetime Free (LTF), making it one of the best no-fee UPI credit...
Fintech credit cards rarely manage to stand out in India’s crowded market, but the Kiwi RuPay Credit Card, issued in partnership with Yes Bank, is an exception.Designed specifically for frequent UPI users, this card rewards everyday payments with up to 5% cashback through its Kiwi Neon subscription.In this detailed...
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Kotak Mahindra Bank
Myntra Kotak Credit Card
Best for: People willing to verify the source details directly before deciding.
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Fuel: 1% fuel surcharge waiver up to ₹300 per month.
5% Cashback on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company. 1.25% cashback on other spends. Cashback is capped at ₹1000 per month. Cas...
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
Fuel: 1% fuel surcharge waiver up to ₹300 per month.
Myntra Kotak Credit Card offers rewards, benefits, & points on Myntra purchases. Enjoy discounts, offers, and cashbacks from Myntra & partners.
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Union Bank of India
NEXTERIA Credit Card
Best for: Travelers who value lounge access as part of card selection.
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RuPay Super Premium core offering with unlimited lounge access and hospitality benefits.
Other benefits include movie tickets, insurance coverage, concierge, emergency cash concierge, golf, visa application services, movie screening, conce...
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
Union Bank of India NEXTERIA is a premium RuPay credit card with lounge access, hospitality benefits, insurance cover, concierge assistance, golf, movies, events, dining, and RuPay merchant offers.
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Bank of India
Bank of India RuPay Platinum Credit Card
Best for: People willing to verify the source details directly before deciding.
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Useful for comparison, but the current dataset does not show a standout signal yet.
Useful for comparison, but the current dataset does not show a standout signal yet.
This card has limited source coverage in the current dataset.
Bank of India RuPay Platinum Credit Card from Bank of India
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HDFC Bank
HDFC Bank Tata Neu Infinity Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
NeuCoins Validity: 1 Year
No rewards on fuel, wallet, rent, gaming and Gov spends.
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
While it’s easy to grab First Year Free (FYF) offer on HDFC Bank’s Tata Neu Infinity Credit Card, getting Lifetime Free (LTF) offer is becoming harder...
The HDFC Bank Tata Neu Infinity Credit Card is a semi-premium, co‑branded credit card designed to maximise rewards through NeuCoins, a cashback‑equivalent rewards currency that works seamlessly across the Tata ecosystem.
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Union Bank of India
PM Svanidhi Credit Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Interest-free credit period of 20 to 50 days as per issuer policy.
Lifetime-free card with no enrolment, joining, activation, inactivity, or annual renewal charges.
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
Union Bank of India PM Svanidhi Credit Card is a lifetime-free retail credit card facility for PM SVANidhi beneficiaries with UPI linkage, a five-year card validity, and restricted merchant-category usage.
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Punjab National Bank
PNB Rakshak RuPay Platinum Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Free interest period: 20-50 days
Reward points: 1 on Rs 100
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
PNB Rakshak RuPay Platinum Card Features Eligibility :Rs.2.50 Lacs p.a. Card Limit :Min. Rs.25,000/- Max. Rs.5,00,000/- Benefits Free interest Period :20-50 days Reward points :1 on Rs 100
Verify Before Applying
Credit card fees, rewards, eligibility, offers, and terms can change. Verify final details with the issuer before applying.