1. PhonePe SBI Card SELECT BLACK
Annual fee ₹1,499 · Rewards up to 10% · You keep ₹5,640* a year
PhonePe SBI Card SELECT BLACK is the higher variant: it gives 10 points per ₹100 on PhonePe app bills and travel (PURPLE gives 3) and 5 points on other online spends, where 1 point equals ₹1. It costs ₹1,499 a year, waived on ₹3 lakh of spends, and adds 4 domestic lounge visits that PURPLE does not have.
- 10% on PhonePe
- 5% on online shopping
- 1% on other spends
2. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
3. Tata Neu Infinity HDFC Bank Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹4,500* a year
The Tata Neu Infinity HDFC Bank Credit Card gives 5% back as NeuCoins on Tata Neu and partner Tata brands, and 1.5% on most other spends. NeuCoins are worth ₹1 each but can be used only on Tata Neu and eligible Tata brands.
- 5% on Tata Neu brands
- 1.5% on other spends
- SBI CardTata Neu Infinity SBIVISA
4. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹4,500* a year
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
5. IDFC FIRST Hello Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 3% · You keep ₹4,440* a year
The IDFC FIRST Hello Cashback Credit Card is issued against a fixed deposit from ₹10,000. It gives 3% to 5% cashback on online spends and 1% on in-store and UPI spends, with no foreign currency markup.
- 3% on online shopping
- 1% on other spends
6. Titan SBI Card
Annual fee ₹2,999 · Rewards up to 7.5% · You keep ₹4,140* a year
The Titan SBI Card pays back 7.5% at Titan watch, eyewear and fashion stores, 5% at Mia, CaratLane and Zoya, and 3% as vouchers at Tanishq, all as points worth ₹0.25 each. It suits families who buy jewellery and watches from Titan brands, since points can only become Titan vouchers.
- 7.5% on Titan
- 5% on CaratLane, Mia, Zoya
- 3% on Tanishq
- 1.5% on other spends
7. IndianOil HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 4.8% · You keep ₹3,616* a year
The IndianOil HDFC Bank Credit Card gives 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, within small monthly caps. Fuel Points give the most value when you use them for free fuel at IndianOil.
- 4.8% on IndianOil pumps
- 4.8% on groceries
- 4.8% on bills and utilities
- 0.64% on other spends
8. PhonePe SBI Card PURPLE
Annual fee ₹499 · Rewards up to 3% · You keep ₹3,480* a year
PhonePe SBI Card PURPLE is the low-fee variant at ₹499 a year, waived on just ₹1 lakh of spends, against ₹1,499 and ₹3 lakh for SELECT BLACK. In return it earns less: 3 points per ₹100 on PhonePe app bills and travel and 2 points on online shopping, worth ₹1 a point, with no lounge access.
- 3% on PhonePe
- 2% on online shopping
- 1% on other spends
- AU Small Finance BankKiwi RuPay Credit Card on UPIRuPay
9. Kiwi RuPay Credit Card on UPI
Annual fee Free · Rewards up to 1.5% · You keep ₹3,420* a year
The Kiwi credit card is a RuPay credit card you use on UPI through the Kiwi app. It is issued by partner banks, and it gives 1.5% cashback on UPI Scan and Pay and 0.5% on online payments.
- 0.5% on online shopping
- 1.5% on other spends
10. BOBCARD TIARA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹3,330* a year
The BOBCARD TIARA is a women-only RuPay credit card that gives 15 reward points per ₹100 (3.75% back) on dining, travel and international spends, plus quarterly shopping and salon discounts. The ₹2,499 fee is waived on ₹25,000 of spends in the first 60 days and on ₹2.5 lakh each year.
- 3.75% on dining and food delivery
- 3.75% on travel
- 0.75% on other spends
11. IndianOil Kotak Credit Card
Annual fee ₹449 · Rewards up to 4% · You keep ₹3,120* a year
The IndianOil Kotak Credit Card is Kotak's fuel card: 24 reward points per ₹150 at IndianOil pumps, worth 4%, plus a 1% surcharge waiver, for up to 5% savings on fuel. Groceries and dining earn 2%, and the ₹449 fee is waived on ₹50,000 of yearly spends.
- 4% on IndianOil pumps
- 2% on groceries
- 2% on dining and food delivery
- 0.5% on other spends
12. DCB novio Credit Card
Annual fee Free · Rewards up to 2% · You keep ₹3,000* a year
The DCB novio Credit Card is a RuPay credit card issued by DCB Bank against a fixed deposit (FD), sold through the novio app. It has no joining or annual fee, and the credit limit is 90% of the linked deposit.
- 2% on novio UPI
- 1% on other spends
13. Fibe Axis Bank Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹3,000* a year
The Fibe Axis Bank Credit Card is a lifetime free RuPay card, made with the lending app Fibe for its existing customers, that pays 3% cashback on online food delivery, entertainment and local commute. Other eligible spends, including larger UPI payments, earn 1%, with all cashback capped at ₹1,500 a statement.
- 1% on other spends
- HDFC BankHDFC Bank Pixel GoVISA
14. HDFC Bank Pixel Go Credit Card
Annual fee ₹250 · Rewards up to 5% · You keep ₹3,000* a year
The HDFC Bank Pixel Go Credit Card is a low-fee starter card. It gives 1% cashback on eligible spends with no monthly limit, and 5% on HDFC Bank SmartBuy.
- 1% on other spends
15. HDFC Bank Pixel Play Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,000* a year
The HDFC Bank Pixel Play Credit Card lets you pick two 5% cashback packs, such as food, travel or fashion, and one shopping site for 3%. It suits people who spend most of their money with a few favourite brands.
- 5% on Zomato
- 5% on BookMyShow
- 5% on MakeMyTrip, Uber
- 5% on Blinkit, Reliance Smart Bazaar
16. HDFC Bank RuPay IRCTC Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,000* a year
The HDFC Bank RuPay IRCTC Credit Card suits people who book train tickets often. It gives 5 reward points per ₹100 on IRCTC, worth ₹1 each on train tickets, and 8 railway lounge visits a year.
- 5% on IRCTC
- 1% on groceries
- 1% on other spends
- CSB BankJupiter Edge+ CSB Bank RuPayRuPay
17. Jupiter Edge+ CSB Bank RuPay Credit Card
Annual fee Free · Rewards up to 10% · You keep ₹3,000* a year
The Jupiter Edge+ CSB Bank RuPay Credit Card is a RuPay card issued by CSB Bank and sold by Jupiter. It works on UPI and earns Jewels, with higher rates on partner shopping brands and on travel booked on Jupiter.
- 10% on Amazon, Flipkart, Myntra
- 5% on Jupiter travel
- 1% on other spends
18. MakeMyTrip ICICI Bank Credit Card
Annual fee ₹999 · Rewards up to 6% · You keep ₹3,000* a year
The MakeMyTrip ICICI Bank Credit Card pays up to 6% back as myCash on MakeMyTrip hotels and 3% on flights, and from 10 November 2026 it charges no markup on foreign currency spends. Both a Mastercard and a RuPay card are issued, so you can also pay by UPI.
- 3% on MakeMyTrip
- 1% on other spends
19. slice UPI Credit Card
Annual fee Free · Rewards up to 1% · You keep ₹3,000* a year
The slice UPI Credit Card is a lifetime free RuPay card from slice small finance bank that gives 1% back on most spends, by card or UPI, with no forex markup. It suits people who want a simple free card for everyday UPI payments.
- 1% on other spends
20. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹3,000* a year
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
- SBI CardTata Neu Plus SBIVISA
21. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,000* a year
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
- RBL BankIndianOil RBL Bank XTRARuPay
22. IndianOil RBL Bank XTRA Credit Card
Annual fee ₹1,500 · Rewards up to 7.5% · You keep ₹2,760* a year
The IndianOil RBL Bank XTRA Credit Card gives 15 fuel points per ₹100 at select IndianOil fuel stations, about 7.5% back when used at IndianOil. Other spends earn 2 points per ₹100, and the ₹1,500 fee is waived on ₹2.75 lakh of yearly spends.
- 7.5% on IndianOil pumps
- 1% on other spends
23. Kotak 811 Dream Different Credit Card
Annual fee Free · Rewards up to 2% · You keep ₹2,400* a year
The Kotak 811 Dream Different Credit Card is issued against a Kotak fixed deposit, so you can get it without income proof or a credit score, with a limit of up to 90% of the FD. It has no annual fee and pays 2% cashback in any billing cycle where you spend ₹15,000, up to ₹500.
- 0% on other spends
- 2% on spends above ₹15,000 a month
24. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹2,220* a year
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
25. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹2,220* a year
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
26. Shoppers Stop HDFC Bank Credit Card
Annual fee ₹299 · Rewards up to 3% · You keep ₹1,927* a year
The Shoppers Stop HDFC Bank Credit Card gives 3% back as reward points at Shoppers Stop and 1% on other spends, worth ₹1 a point on Shoppers Stop vouchers. It suits people who shop at Shoppers Stop often, for a ₹299 yearly fee.
- 3% on Shoppers Stop
- 1% on other spends
27. HPCL FIRST Power Credit Card
Annual fee ₹199 · Rewards up to 3.5% · You keep ₹1,878* a year
The HPCL FIRST Power Credit Card is the lower-fee sibling of the Power+: ₹199 a year instead of ₹499, waived on just ₹50,000 of yearly spends, but it earns 3.5% as points on HPCL fuel instead of 5% and has no lounge access. Grocery, utility bills and IDFC FIRST FASTag earn 2.5%, and there is no foreign currency markup.
- 3.5% on HPCL pumps
- 2.5% on groceries
- 2.5% on bills and utilities
- 0.33% on other spends
28. Shaurya SBI Card
Annual fee ₹250 · Rewards up to 1.25% · You keep ₹1,830* a year
The Shaurya SBI Card is SBI Card's low-fee RuPay card for defence and paramilitary staff, with 5 reward points per ₹100 at CSD canteens, grocery stores, restaurants and cinemas. Its ₹250 fee is waived on ₹50,000 of yearly spends, and interest is lower than on SBI Card's regular cards.
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
29. IDFC FIRST EARN Credit Card
Annual fee ₹499 · Rewards up to 5.5% · You keep ₹1,500* a year
The IDFC FIRST EARN Credit Card is a virtual RuPay card issued against a fixed deposit from ₹5,000. It gives 0.5% to 1% cashback on UPI and online spends, up to ₹500 a cycle, with zero forex markup, so it suits people building a credit history.
- 0.5% on other spends
30. IndianOil RBL Bank Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹1,380* a year
The IndianOil RBL Bank Credit Card gives 10 fuel points per ₹100 at select IndianOil fuel stations, about 5% back when used at IndianOil. Other spends earn 1 point per ₹100, and the ₹500 fee is waived on ₹1.75 lakh of yearly spends.
- 5% on IndianOil pumps
- 0.5% on other spends
- RBL BankIRCTC RBL BankRuPay
31. IRCTC RBL Bank Credit Card
Annual fee ₹500 · Rewards up to 2.5% · You keep ₹1,380* a year
The IRCTC RBL Bank Credit Card earns 5 reward points per ₹200 on train tickets booked on IRCTC, and each point is worth ₹1 when you use it to book trains. It suits regular train travellers, with 8 railway lounge visits a year and a ₹500 fee waived on ₹1.5 lakh of yearly spends.
- 2.5% on IRCTC
- 0.5% on other spends
32. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹1,380* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
33. HDFC Bank UPI RuPay Credit Card
Annual fee ₹99 · Rewards up to 0.75% · You keep ₹1,350* a year
The HDFC Bank UPI RuPay Credit Card is a virtual card that lets you pay on UPI apps using credit. It is issued only as an add-on to another HDFC Bank credit card, and it earns CashPoints worth ₹0.25 each.
- 0.75% on groceries
- 0.75% on dining and food delivery
- 0.5% on bills and utilities
- 0.25% on other spends
34. IRCTC BOBCARD RuPay Credit Card
Annual fee ₹350 · Rewards up to 10% · You keep ₹1,087* a year
The IRCTC BOBCARD gives 16 to 40 reward points per ₹100 on AC and chair car train tickets booked on IRCTC, which is 4% to 10% back at ₹0.25 a point, depending on your travel dates. It is a RuPay card that works on UPI, with a ₹350 annual fee and 4 railway lounge visits a year.
- 4% on IRCTC
- 0.5% on other spends
35. HDFC Bank MoneyBack+ Credit Card
Annual fee ₹500 · Rewards up to 2% · You keep ₹600* a year
The HDFC Bank MoneyBack+ Credit Card earns 10X CashPoints at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, and 2 CashPoints per ₹200 on other spends. It also gives a ₹500 voucher on ₹50,000 of spends in a calendar quarter.
- 2% on Amazon, BigBasket, Flipkart, Swiggy
- 0.2% on other spends
36. IndianOil Axis Bank RuPay Credit Card
Annual fee ₹500 · Rewards up to 4% · You keep ₹418* a year
The IndianOil Axis Bank RuPay Credit Card gives 20 reward points per ₹100, or 4% value back, on fuel at IndianOil outlets, on up to ₹5,000 of fuel a month. The bank lists it as a UPI card.
- 4% on IndianOil pumps
- 1% on online shopping
- 0.2% on other spends
37. HDFC Bank BizFirst Credit Card
Annual fee ₹500 · Rewards up to 0.2% · You keep ₹324* a year
The HDFC Bank BizFirst Credit Card is an entry-level business card that earns CashPoints on bills, EMIs and everyday business spends, with a ₹500 fee waived on ₹50,000 of yearly spends. CashPoints are worth ₹0.10 each against your statement.
- 0.2% on bills and utilities
- 0.1% on other spends
Compare these cards
How to choose a RuPay credit card for UPI
- The reward rate on UPI, which can differ from normal card spends.
- Any monthly limit on UPI rewards.
- Which UPI apps the card works in.
- The annual fee and how to get it waived.
How we ranked these cards
We work out what each card pays on ₹25,000 a month of everyday spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Can I send money to a friend with these cards?
No. A RuPay credit card on UPI works for merchant payments only.
Do Visa or Mastercard cards work on UPI?
No. This service is for RuPay credit cards.
Is a UPI payment on a credit card a loan?
Yes. The amount goes on your card bill, and interest applies if you do not pay in full.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money