#1 the call Keep
Axis Magnus
2.40%
reward rate on UPI
₹5,760/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · UPI spends earn EDGE RP, capped at ₹50,000 UPI spends/month · ₹12,500/yr
Best of · September 2026
Which card actually earns on a QR scan.
India pays by QR code and gets nothing for it. Credit-card-on-UPI is RuPay-only, most RuPay cards write UPI out of their rewards table, and no one publishes the join. So here it is, computed from each issuer's own UPI clause: 81 cards that pay you to scan, ranked by the rate, and every card that pays nothing for one named underneath.
the call, and how it's made fold that back up
Which RuPay credit card earns rewards on UPI payments?
Axis Magnus, at 2.40% on a UPI payment. It is CAPPED, and the cap is the fine print that matters: UPI spends earn EDGE RP, capped at ₹50,000 UPI spends/month. On ₹20,000 a month of scanning — ₹2,40,000 a year — that is ₹5,760 back. The reason this list is worth reading is the other half: 176 cards on the desk carry a published UPI rule at all (credit on UPI is RuPay-only, by NPCI rule). 84 of those rules say the card cannot be linked to UPI in the first place, leaving 92 that can — 8 of which pay you NOTHING for a QR scan. A further 469 cards have no UPI rule on the desk yet and are on no part of this page. A RuPay logo is not a reward rate, and the difference is the whole page.
Verified through · The records behind this board — the card records on this board and the UPI clauses on our fine-print desk — carry re-verification dates from 7 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build.
The top three
#2 Keep
HDFC Regalia Gold
1.63%
reward rate on UPI
₹3,912/yr on ₹20,000 a month of UPI · RuPay Select variant (Oct-2025) links to UPI · community reports UPI earns the standard base rate · HDFC has not published a sepa… · ₹2,500/yr
#3 Keep
Equitas PowerMiles
1.50%
reward rate on UPI
₹3,600/yr on ₹20,000 a month of UPI · RuPay variant supports UPI · Visa variant does not (community, flag) · ₹5,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned
The rest of the field
Ranks 4–15 of 81
| # | Card | reward rate on UPI | The math |
|---|---|---|---|
| 4 | Tata Neu Infinity HDFC Bank | 1.50% | ₹3,600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · RuPay-on-UPI: NeuCoins at 1.5 per ₹100 via the Tata Neu UPI ID vs the 1.5 per ₹100 base rate, 0.5 per ₹100 on other UPI apps · ca… · ₹1,499/yr |
| 5 | Tata Neu Infinity SBI Card | 1.50% | ₹3,600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · 1.5% on the RuPay variant, capped at 500 NeuCoins a month · ₹1,499/yr |
| 6 | ixigo AU | 1.25% | ₹3,000/yr on ₹20,000 a month of UPI · RuPay variant earns 2.5 RP/₹100 on UPI/QR (same as card rate) · ₹0 — lifetime free |
| 7 | IDFC FIRST Mayura | 1.00% | ₹2,401/yr on ₹20,000 a month of UPI · RuPay-on-UPI (FIRST Digital add-on) earns 3 RP/₹150 vs the 5 RP/₹150 base AND counts toward milestones · ₹5,999/yr |
| 8 | Scapia (Federal Bank) | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · RuPay variant earns coins at 5 per ₹100 on UPI vs 10 per ₹100 on everything else (5% vs 10%, ≈1% effective) · ₹0 — lifetime free |
| 9 | BOBCARD Uni GoldX | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · The RuPay side of this card is a virtual companion usable for UPI and e-commerce only, and it earns the same 1 Uni Coin per ₹1 ·… · ₹0 — lifetime free |
| 10 | Axis Bank SuperMoney RuPay | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · 3% on QR payments made through the super.money app, capped at the total cashback earned from all other UPI and non-UPI spends in… · ₹0 — lifetime free |
| 11 | MakeMyTrip ICICI Bank | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · the bundled RuPay variant links to UPI and earns the base 1% myCash (CardInsider, 2026-07-11 · ₹999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 12 | IndiGo Kotak Premium Credit Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · RuPay variant earns 2 BluChips/₹100 on UPI-on-credit-card spends outside the exclusion MCCs (Kotak T&C) · ₹3,000/yr |
| 13 | SBM MobiKwik First Credit Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · 1% through MobiKwik's own @ikwik handle on transactions of ₹2,000 or more, and NIL through Google Pay, PhonePe, Paytm or any othe… · ₹0 — lifetime free |
| 14 | Paisabazaar Paisa Plus Credit Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Earns the base 1% only on transactions of ₹2,000 or more · ₹0 joining, then ₹499/yr |
| 15 | HSBC RuPay Cashback | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · 1% cashback · Capped, though, and the cap is the whole card's · "Cashback across both categories is capped at INR 400" a month, s… · ₹499/yr |
the other 66 cards — ranks 16 to 81 fold the other 66 back up
| # | Card | reward rate on UPI | The math |
|---|---|---|---|
| 16 | Tata Neu Plus HDFC Bank | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · RuPay-on-UPI, and split since 1-Aug-2024: 0.25% back through any UPI ID and an additional 0.75% only through the Tata Neu UPI ID,… · ₹499/yr |
| 17 | Tata Neu Plus SBI Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · 1% on the RuPay variant, capped at 500 NeuCoins a statement cycle · ₹499/yr |
| 18 | IRCTC HDFC Bank Credit Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · "Reward points on UPI transactions will be capped at 500 per calendar month" · ₹500/yr |
| 19 | HDFC Bank PIXEL Play | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · 1% CashPoints on all UPI spends, RuPay variant only, capped at 500 CashPoints a calendar month · ₹500/yr |
| 20 | IDFC FIRST Ashva | 0.80% | ₹1,919/yr on ₹20,000 a month of UPI · FIRST Digital RuPay attached to Ashva: 3 RP/₹150 on UPI >₹2,000 vs the 5 RP/₹150 base, 1 RP/₹150 up to ₹2,000 · counts toward the… · ₹2,999/yr |
| 21 | YES Bank Zagg Credit Card | 0.75% | ₹1,800/yr on ₹20,000 a month of UPI · The ONLY earning channel: 3 Zagg Coins per ₹100 (0.75% at ₹0.25 a coin) on Scan & Pay, intent and collect payments made in the Za… · ₹0 — lifetime free |
| 22 | BOBCARD Eterna | 0.75% | ₹1,800/yr on ₹20,000 a month of UPI · 3 RP/₹100 (0.75%), never the 15X online rate · ₹2,499/yr |
| 23 | BOBCARD Tiara | 0.75% | ₹1,800/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Core 3 RP/₹100 only · and the product page caps UPI reward points at ₹500 of value a statement cycle on top of that · ₹2,499/yr |
| 24 | HSBC RuPay Platinum | 0.67% | ₹1,601/yr on ₹20,000 a month of UPI · 2 reward points per ₹150 · ₹0 — lifetime free |
| 25 | IndianOil HDFC Bank Credit Card | 0.64% | ₹1,536/yr on ₹20,000 a month of UPI · UPI spends earn the base 1 Fuel Point per ₹150 · Table 1.1 says so in the rate line itself, "(including UPI transactions)", and H… · ₹500/yr |
| 26 | IndusInd Platinum RuPay | 0.60% | ₹1,440/yr on ₹20,000 a month of UPI · 2 Reward Points per ₹100 on UPI transactions against 1 per ₹100 off UPI · ≈1.2% at the card's own ₹0.60 non-cash redemption rate · ₹0/yr · ₹10,000 joining (one-time) |
| 27 | IDFC FIRST WOW! Black | 0.50% | ₹1,202/yr on ₹20,000 a month of UPI · 3 RP/₹150 vs the 4 RP/₹150 base on UPI transactions above ₹2,000, and 1 RP/₹150 at or below · and unlike the base WOW!, the FIRST… · ₹750/yr |
| 28 | IndianOil Kotak Credit Card | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · 3 Reward Points per ₹150 · Kotak's own footnote reads "All UPI on Credit Card transactions will accrue 0.5% Reward Points on ever… · ₹449/yr |
| 29 | IDFC FIRST HPCL Power+ | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · 3 RP/₹150 on UPI · ₹499/yr |
| 30 | Kotak Cashback+ | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · On the RuPay variant, UPI-on-credit-card spends earn the unlimited 0.5% base, excluding the restricted MCCs · ₹750/yr |
| 31 | Kotak Cashback+ Prime | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · On the RuPay variant, UPI spends earn the base rate "on both accelerated and non-accelerated categories" · so paying an accelerat… · ₹750/yr |
| 32 | BOBCARD Premier | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · Core 2 RP/₹100 only · §1.2: "Credit Card on UPI transactions are not eligible for Accelerated Reward Points/benefit", so a UPI sw… · ₹1,000/yr |
| 33 | IRCTC RBL Bank Credit Card | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Earns the ordinary rate on UPI, EXCEPT offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh in the p… · ₹500/yr |
| 34 | IDFC FIRST WOW! | 0.38% | ₹900/yr on ₹20,000 a month of UPI · FIRST Digital RuPay add-on (₹199 + GST) earns 3 RP/₹200 on UPI txns above ₹2,000 vs the 4 RP/₹200 base, and 1 RP/₹200 at or below · ₹0 — lifetime free |
| 35 | IDFC FIRST Wealth | 0.38% | ₹900/yr on ₹20,000 a month of UPI · IDFC links a RuPay-on-UPI number: 3 RP/₹200 on UPI above ₹2,000 vs the 3 RP/₹200 base, 1 RP/₹200 up to ₹2,000 · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 36 | IDFC FIRST Select | 0.38% | ₹900/yr on ₹20,000 a month of UPI · Up to 3 RP/₹200 vs the 3 RP/₹200 base · via the FIRST Digital RuPay add-on (₹199 + GST joining and annual) · the ₹2,000-per-txn s… · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 37 | IDFC FIRST Millennia | 0.38% | ₹900/yr on ₹20,000 a month of UPI · Via the FIRST Digital RuPay add-on at ₹199 + GST · up to 3 RP/₹200 vs the 3 RP/₹200 base, so the add-on's ceiling IS the everyday… · ₹0 — lifetime free |
| 38 | IDFC FIRST Classic | 0.38% | ₹900/yr on ₹20,000 a month of UPI · Via the FIRST Digital RuPay add-on at ₹199 + GST · IDFC prints "up to 3X" for Classic without restating the ₹2,000-per-transactio… · ₹0 — lifetime free |
| 39 | HPCL ENERGIE BOBCARD | 0.33% | ₹800/yr on ₹20,000 a month of UPI · Core 2 RP/₹150 only, and the product page is blunt about the second half: "UPI transactions are eligible only for core Reward Poi… · ₹499/yr |
| 40 | CUB CSK RuPay Platinum | 0.33% | ₹792/yr on ₹20,000 a month of UPI · 2 RP per ₹150 on UPI, double the ordinary count · 1.33 RP per ₹100, worth 0.67% at the ₹0.50 RuPay Platinum point · CUB's illustr… · ₹0 — lifetime free |
| 41 | CUB SRH RuPay Platinum | 0.33% | ₹792/yr on ₹20,000 a month of UPI · 2 RP per ₹150 on UPI against 1 RP per ₹150 elsewhere · 1.33 RP per ₹100, worth 0.67% at the ₹0.50 RuPay Platinum point · §6's one… · ₹0 — lifetime free |
| 42 | Reliance SBI Card | 0.25% | ₹600/yr on ₹20,000 a month of UPI · UPI payments at participating Reliance Retail stores (RuPay variant only) earn 1 Reward Point per ₹100 rather than the 5 or 10 th… · ₹499/yr |
| 43 | BPCL SBI Card OCTANE | 0.25% | ₹600/yr on ₹20,000 a month of UPI · BPCL fuel paid by UPI earns zero points and loses the 1% fuel-surcharge waiver too, which is the single worst way to use this card · ₹1,499/yr |
| 44 | IndiGo IDFC FIRST Dual Credit Card | 0.25% | ₹600/yr on ₹20,000 a month of UPI · 0.5 BluChips/₹100 on UPI via the RuPay card (published reduced band) · ₹4,999/yr |
| 45 | HDFC Bank UPI RuPay | 0.25% | ₹600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · and a UPI payment earns whichever of the three buckets its MCC lands in, each capped at 500 CashPoints a calendar month · The exc… · ₹99/yr |
| 46 | RBL Patanjali Vishisht | 0.25% | ₹600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Offline UPI above ₹2,000 earns and counts as ordinary spend · ₹499/yr |
| 47 | HDFC Bank MoneyBack+ | 0.25% | ₹600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · On the RuPay variant, UPI spends earn 2 Reward Points per ₹200 capped at 500 Reward Points a calendar month · ₹500/yr |
| 48 | RBL Shoprite | 0.25% | ₹600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · with one published hole: "offline UPI transactions under INR 2000 done at small merchants on RBL Bank RuPay Credit Card will not… · ₹500/yr |
| 49 | RBL Bank SalarySe UP | 0.20% | ₹480/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · The whole point of the card: 5 RP/₹100 on UPI transactions made through the SalarySe app, capped at 1,000 RP a month, and 10 RP/₹… · ₹499/yr |
| 50 | Unity Bank BharatPe Credit Card | 2.00% | ₹4,800/yr on ₹20,000 a month of UPI · Earns the full 2% · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 51 | IndiGo SBI Card ELITE | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · RuPay variant earns base 2 BluChips/₹100 on UPI · Mastercard variant no UPI (verify caps, community) · ₹4,999/yr · the desk's own verdict is downgrade |
| 52 | AU Zenith | 0.75% | ₹1,800/yr on ₹20,000 a month of UPI · RuPay variant links to UPI and earns standard RP · community consensus (TechnoFino/DesiDime) · Visa variant cannot link · ₹7,999/yr · the desk's own verdict is cancel |
| 53 | IDFC FIRST SWYP | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · 100 RP per ₹5,000 of UPI spend, and only after paying ₹199 + GST to enable UPI · then struck out of the milestone count, so every… · ₹499/yr · the desk's own verdict is downgrade |
| 54 | IRCTC BOBCARD | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · earns base 2 RP/₹100 on UPI (inferred, flag) · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 55 | IndiGo SBI Card | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · RuPay variant earns base 1 BluChip/₹100 on UPI · Mastercard variant no UPI (verify caps, community) · ₹1,499/yr · the desk's own verdict is downgrade |
| 56 | IndiGo Kotak Credit Card | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · RuPay variant earns 1 BluChip/₹100 on UPI spends outside the exclusion MCCs · ₹1,500/yr · the desk's own verdict is downgrade |
| 57 | AU Vetta | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · RuPay variant links to UPI and earns standard RP · community consensus (TechnoFino/DesiDime) · Visa variant cannot link · ₹2,999/yr · the desk's own verdict is cancel |
| 58 | Reliance SBI Card PRIME | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · pay a Reliance format by UPI and you forgo the 10-or-20-points-per-₹100 tier a swipe would have earned · ₹2,999/yr · the desk's own verdict is downgrade |
| 59 | ICICI Bank Rubyx | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · card-specific cap unpublished, flag · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 60 | ICICI Sapphiro | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI · card-specific cap unpublished, flag · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 61 | IndiGo Axis Bank Credit Card | 0.50% | ₹1,200/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · RuPay-on-UPI earns, capped at 750 BluChips for eligible UPI txns · cap period not stated by source, confirm cycle (community, fla… · ₹799/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 62 | Kotak UPI RuPay | 0.30% | ₹720/yr on ₹20,000 a month of UPI · UPI payments earn the full 3 Reward Points per ₹100 with no transaction floor · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 63 | AU Zenith+ | 0.25% | ₹600/yr on ₹20,000 a month of UPI · RuPay variant links to UPI and earns standard RP · community consensus (TechnoFino/DesiDime) · Visa variant cannot link · ₹4,999/yr · the desk's own verdict is cancel |
| 64 | RBL Bank Patanjali Swarn | 0.25% | ₹600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Earns the base rate on UPI, EXCEPT offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh in the previ… · ₹1,499/yr · the desk's own verdict is downgrade |
| 65 | HDFC Bank Freedom | 0.07% | ₹180/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · "For Rupay Credit Cardholders, all UPI spends (Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases) will earn 1 RP f… · ₹500/yr · the desk's own verdict is downgrade |
| 66 | IDFC FIRST Private | 2.00% | ₹4,801/yr on ₹20,000 a month of UPI · 3 RP/₹150 on UPI above ₹2,000 through the FIRST Digital RuPay add-on vs the flat 10 RP/₹150 domestic base · 1 RP/₹150 at or below… · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 67 | Scapia (BOBCARD) | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · RuPay variant earns coins at 5 per ₹100 on UPI vs 10 per ₹100 on everything else (5% vs 10%, ≈1% effective) · ₹0 — lifetime free · availability not published |
| 68 | Paytm SBI Card | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · UPI earns the 1% base · clause 4, "All UPI transactions made using Paytm SBI Card will accrue 1% valueback" · It never reaches th… · ₹499/yr · availability not published |
| 69 | Paytm SBI Card SELECT | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · UPI earns the 1% base · clause 5 says so outright ("All UPI transactions made using Paytm SBI Card SELECT will accrue 1% Valuebac… · ₹1,499/yr · availability not published |
| 70 | PNB LUXURA Metal (RuPay) | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹9,000 joining, then ₹7,500/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 71 | PhonePe SBI Card SELECT BLACK | 1.00% | ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling · Scan & Pay inside the PhonePe app earns 1% value back · ₹1,499/yr · availability not published |
| 72 | PNB Zaggle Twin | 0.83% | ₹1,998/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹499/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 73 | IDFC FIRST Gaj | 0.67% | ₹1,600/yr on ₹20,000 a month of UPI · 1 RP/₹150 vs the 5 RP/₹150 base, via the FIRST Digital RuPay add-on · ₹12,500/yr · invite-only — not on open application |
| 74 | PNB RuPay Millennial | 0.33% | ₹800/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹399 joining, then ₹999/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 75 | PNB Patanjali RuPay Select | 0.33% | ₹800/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹500 joining, then ₹750/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 76 | PNB RuPay Select | 0.33% | ₹800/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹500 joining, then ₹750/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 77 | PNB SALARY RuPay Select | 0.33% | ₹798/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹0 — lifetime free · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 78 | PNB BLISS | 0.25% | ₹600/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹0 joining, then ₹510/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 79 | PNB SALARY RuPay Platinum | 0.25% | ₹600/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹0 — lifetime free · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 80 | PNB RuPay Platinum | 0.25% | ₹600/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹0 joining, then ₹500/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 81 | PNB EMT RuPay Platinum | 0.25% | ₹600/yr on ₹20,000 a month of UPI · PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward sc… · ₹2,000/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
Not ranked — earns nothing on a QR scan, or a rate nobody published
11 cards, each with the reason
fold the 11 back up
- Kotak Air+ Prime — earns NOTHING on a UPI/QR payment — On RuPay credit cards only, UPI transactions of ₹2,000 or less earn nothing
- YES Bank RESERV — earns NOTHING on a UPI/QR payment — RuPay (JCB) variant links to UPI but core RuPay cards earn ZERO RP on UPI · only YES's virtual RuPay companion earns (community:…
- KrisFlyer SBI Card — earns NOTHING on a UPI/QR payment — Visa Signature card · not UPI-linkable, so no UPI earn
- Axis Bank Kwik — earns NOTHING on a UPI/QR payment — Verbatim from the exclusion list: no reward points on "credit card on UPI transactions less than ₹2000" · UPI payments of ₹2,000…
- DCB PayLess Select Credit Card — earns nothing on a UPI/QR payment — RuPay and UPI-linkable, with no published UPI exclusion and no UPI accelerator · UPI spend counts toward the quarterly milestone…
- DCB PayLess Platinum Credit Card — earns nothing on a UPI/QR payment — The card is RuPay and UPI-linkable, and DCB publishes no UPI exclusion and no UPI accelerator · UPI spend counts toward the quart…
- IndianOil RBL Bank Credit Card — earns on UPI at a rate unpublished — the issuer says the rate is cut and never says to what, so we won't rank a guess above published numbers — The RuPay variant runs on UPI, but T&C §3.5 carves out offline UPI transactions under ₹2,000 at merchants with turnover up to ₹20…
- IndianOil RBL Bank XTRA Credit Card — earns on UPI at a rate unpublished — the issuer says the rate is cut and never says to what, so we won't rank a guess above published numbers — The RuPay variant runs on UPI, but T&C §3.6 carves out offline UPI transactions under ₹2,000 at merchants with turnover up to ₹20…
- OneCard Metal — earns NOTHING on a UPI/QR payment — RuPay variant links via OneCard UPI, but OneCard publishes no UPI earn and community confirms none · treat as zero until document…
- PhonePe SBI Card PURPLE — earns NOTHING on a UPI/QR payment — Scan & Pay inside the app accrues 1% value back
- Myntra Kotak — earns on UPI at a rate unpublished — the issuer says the rate is cut and never says to what, so we won't rank a guess above published numbers — The card's base rate reached UPI-on-credit-card on the RuPay form, but only above ₹2,000 a transaction
How is this ranking computed?
THE POPULATION is every priced card whose issuer publishes a UPI rule on our fine-print desk and does not mark it "not applicable" — i.e. every card that can be linked to a UPI handle at all. That is the RuPay test, done properly: NPCI allows only RuPay credit cards on UPI, so a published UPI earn rule IS a RuPay number, and reading the population off the rule instead of the card's headline network keeps the Visa-primary cards that ship a RuPay companion (IDFC's FIRST Digital add-on, the ICICI RuPay lineup, Axis's RuPay Magnus) on the board where they belong. THE RATE is the same computation /spends, /spends/upi and /wallet crown by — first-tier earn × the card's published UPI treatment × its currency's house ₹/point — so this board cannot crown a different card than the spend desk does for the same category. A card whose issuer publishes a REDUCED UPI rate but never publishes the reduced rate is not ranked: it would head the board at its headline rate, and an unquantified cut is a qualifier, not a number. Where two cards pay the same rate, the one with no published monthly ceiling wins; every ceiling we hold is quoted verbatim on its row. The ₹ figures reference ₹20,000 a month of UPI spend and are stated before any monthly cap, which is exactly why the cap rides on the row beside them.
Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.
Straight answers
How many cards are in this rupay & upi ranking?
81 of the 973 Indian personal cards on the desk are ranked here. 11 are listed unranked with the computed reason — not ranked — earns nothing on a qr scan, or a rate nobody published — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records on this board and the UPI clauses on our fine-print desk — carry re-verification dates from 7 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which RuPay credit cards for UPI in India have no annual fee?
19 of the 81 ranked here are lifetime free. The best on reward rate on UPI is ixigo AU at 1.25%. This board's call, Axis Magnus, costs ₹12,500/yr and reaches 2.40% — that gap is what the fee buys.
Is Axis Magnus better than HDFC Regalia Gold?
On what this board ranks — reward rate on UPI — yes: 2.40% against 1.63%. That is the whole claim, and a narrow one. No card wins overall: 23 boards, 23 questions.
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