Best UPI Credit Card
UPI payments are widely accepted in today’s world, which makes life easier for everyone. You can utilize UPI payments anywhere, for anything from insurance to shopping. Now Rupay credit cards are enabled for UPI payments by the RBI and NPCI, customers can take advantage of the extra purchasing power and value-back that credit cards provide in addition to the smooth digital payment experience provided by UPI.
Rupay is at the top of payment card technology because of its excellent integration. But it might be difficult to choose the Best UPI credit card in India, when there are so many UPI credit card options available. In this post, We have covered some Top UPI credit cards.
1 . Bank of Baroda Easy RuPay Credit Card
Based on the Rupay payment network, BoB Easy is a budget-friendly credit card. For grocery stores and department stores, it provides enhanced rewards. For our occasional UPI grocery purchases, this makes it a wise option. Moreover, you can take advantage of online discounts by using the BoB Easy credit card.
| Joining And Annual Fee | NIL (LTF) |
|---|---|
| Rewards on UPI spends | 0.125% to 0.25% |
| Rewards on other spends | 0.25% to 1.25% |
| Cap on UPI Rewards | 500 RP per statement cycle |
| Apply | Click Here |
2. ICICI Bank Coral RuPay Credit Card
Although the ICICI Bank Coral credit card has been available for a while, the RuPay version has given it fresh life. For current ICICI Bank clients, it is now offered as a pre-approved, lifetime free credit card. Obtain this ICICI rupay credit card to utilize for ICICI Bank’s many merchant discounts as well as UPI transactions.
| Joining And Annual Fee | LTF (Lifetime Free) |
|---|---|
| Rewards on UPI spends | 0.25% to 0.75% |
| Rewards on other spends | 0.25% to 0.75% |
| Cap on UPI Rewards | None |
| Apply | Click Here |
3. Kiwi RuPay Credit Card
Kiwi, a recent fintech startup, collaborates with Axis Bank to provide a virtual Rupay credit card. Here’s another possibility if you don’t already have three credit cards from Axis Bank. The greatest thing about Kiwi is that we receive actual cashback of 1% to 2%. If you were already on the waitlist prior to the app’s launch, you can get the 2% cashback during the first six months.
| Joining And Annual Fee | LTF (Zero) |
|---|---|
| Rewards on UPI spends | 1% to 2% |
| Rewards on other spends | Not Applicable |
| Cap on UPI Rewards | None |
| Apply | Click Here |
4. IndusInd Bank Platinum RuPay Credit Card
With 0.7% cashback on UPI purchases, this credit card is IndusInd Bank’s first Rupay offering. You can apply online for an IndusInd Bank credit card using the link below. You can have your credit limit divided for this card if you currently hold another credit card from IndusInd Bank.
| Joining And Annual Fee | LTF (Zero) |
|---|---|
| Rewards on UPI spends | 0.7% |
| Rewards on other spends | 0.35% |
| Cap on UPI Rewards | None |
| Apply | Click Here |
5. Tata Neu Infinity Credit Card
Currently, the most widely used Rupay credit card is Tata Neu Infinity. It provides a 1.5% reward rate on UPI transactions in addition to 5% discount on the Tata Neu app. With a shared limit, This Tata Neu credit card is issued as second or third HDFC Bank credit cards. NeuCoins can be redeemed for other Tata Neu app partners, such as Bigbasket and 1Mg, at a 1:1 ratio. Because of this, the Tata Neu Infinity credit card is the best UPI credit card for cashback.
| Joining And Annual Fee | 1499+GST / LTF |
|---|---|
| Rewards on UPI spends | 1.5% NeuCoins |
| Rewards on other spends | 1.5% to 5% NeuCoins |
| Cap on UPI Rewards | 500 NeuCoins per month |
| Apply | Click Here |
Your financial journey can be greatly improved by choosing the appropriate Rupay credit card.
Whether you love to shop, travel frequently, or use fuel frequently, these Best UPI credit cards are designed to fit your demands.
Discover our best choices and start your rewarding path of advantages and savings. Apply today to take advantage of UPI credit card’s power.
FAQ
Q.1 Which credit card works with UPI?
Ans: Users now can connect their Rupay credit cards to UPI payment apps thanks to the Reserve Bank of India (RBI). A Rupay credit card is required in order to utilize it on UPI services.