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Best RuPay credit cards for UPI in October 2026

Axis Bank SuperMoney RuPay comes first (1.50%, reward rate on UPI) and is worth ₹7,600 a year at ₹75,000 a month after the fee.

Verified 223 sources

The top 3

PNB Kiwi

Punjab National Bank

1.50% reward rate on UPI

Keep

Most back on every ₹100 of upi: Tata Neu Infinity HDFC Bank, 1.50% .

The full ranking

68 cards, best first. Ranked by reward rate on UPI; the ₹ a year column follows the spend you pick.

₹ a year at your monthly spend
UPI: ranks 1 to 25
CardReward rate on UPI₹ a yearFee
1. Axis Bank SuperMoney RuPayAxis Bank · ₹3,600/yr on ₹20,000 a month of UPI 1.50% ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹0 fee, lifetime free
2. PNB KiwiPunjab National Bank · ₹3,600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.50% ₹1,500 ₹3,800 ₹7,600 ₹15,100 ₹25,200 ₹0 fee, lifetime free
3. Tata Neu Infinity HDFC BankHDFC Bank · ₹3,600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.50% ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹81,600 ₹1,499 fee
4. Tata Neu Infinity SBI CardSBI Card · ₹3,600/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.50% ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹81,600 ₹1,499 fee
5. HSBC RuPay PlatinumHSBC · ₹3,202/yr on ₹20,000 a month of UPI 1.33% ₹4,000 ₹10,100 ₹20,200 ₹40,300 ₹67,200 ₹0 fee, lifetime free
6. IndusInd Platinum RuPayIndusInd Bank · ₹2,880/yr on ₹20,000 a month of UPI 1.20% ₹2,000 ₹5,100 ₹10,200 ₹20,300 ₹33,800 ₹10,000 joining
7. Scapia (Federal Bank)Federal Bank · ₹2,400/yr on ₹20,000 a month of UPI 1.00% ₹6,000 ₹15,100 ₹30,200 ₹60,500 ₹1,00,800 ₹0 fee, lifetime free
8. BOBCARD Uni GoldXBOBCARD (Bank of Baroda) · ₹2,400/yr on ₹20,000 a month of UPI 1.00% ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹0 fee, lifetime free
9. slice UPI Credit Cardslice Small Finance Bank · ₹2,400/yr on ₹20,000 a month of UPI 1.00% ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹56,400 ₹0 fee, lifetime free
10. Edge+ CSB Bank RuPay Credit CardCSB Bank / Jupiter (Amica Financial Technologies) · ₹2,400/yr on ₹20,000 a month of UPI 1.00% ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹999 joining
11. IndiGo Kotak Premium Credit CardKotak Mahindra Bank · ₹2,400/yr on ₹20,000 a month of UPI 1.00% ₹2,000 ₹10,600 ₹20,100 ₹35,200 ₹55,400 ₹3,000 fee
12. SBM MobiKwik First Credit CardSBM Bank (India) · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹3,600 ₹9,000 ₹18,000 ₹36,000 ₹60,000 ₹0 fee, lifetime free
13. Paisabazaar Paisa Plus Credit CardSBM Bank (India) · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹36,000 ₹0 joining + ₹499/yr
14. HSBC RuPay CashbackHSBC · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹2,800 ₹4,800 ₹4,800 ₹4,800 ₹4,800 ₹499 fee
15. Tata Neu Plus HDFC BankHDFC Bank · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹50,400 ₹499 fee
16. Tata Neu Plus SBI CardSBI Card · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹50,400 ₹499 fee
17. RBL Bank SalarySe UPRBL Bank · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹600 ₹1,500 ₹3,000 ₹6,000 ₹10,100 ₹499 fee
18. HDFC Bank PIXEL PlayHDFC Bank · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹56,400 ₹500 fee
19. PhonePe HDFC Bank UltimoHDFC Bank · ₹2,400/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 1.00% ₹0 ₹0 ₹0 ₹0 ₹0 ₹999 fee
20. YES Bank Zagg Credit CardYES Bank · ₹1,800/yr on ₹20,000 a month of UPI 0.75% ₹2,300 ₹5,700 ₹11,300 ₹22,700 ₹37,800 ₹0 fee, lifetime free
21. BOBCARD EternaBOBCARD (Bank of Baroda) · ₹1,800/yr on ₹20,000 a month of UPI 0.75% −₹800 ₹9,300 ₹13,600 ₹22,300 ₹33,800 ₹0 joining + ₹2,499/yr
22. BOBCARD TiaraBOBCARD (Bank of Baroda) · ₹1,800/yr on ₹20,000 a month of UPI, before the issuer’s monthly ceiling 0.75% −₹800 ₹4,300 ₹8,600 ₹17,300 ₹28,800 ₹2,499 fee
23. IndianOil HDFC Bank Credit CardHDFC Bank · ₹1,536/yr on ₹20,000 a month of UPI 0.64% ₹1,800 ₹4,100 ₹7,800 ₹15,100 ₹25,000 ₹500 fee
24. ixigo AUAU Small Finance Bank · ₹3,000/yr on ₹20,000 a month of UPI · Ranked lower: includes points worth full value only in one app 1.25% ₹14,000 ₹19,900 ₹29,800 ₹49,600 ₹66,600 ₹0 fee, lifetime free
25. IDFC FIRST WOW! BlackIDFC FIRST Bank · ₹1,202/yr on ₹20,000 a month of UPI 0.50% ₹2,100 ₹5,200 ₹10,400 ₹20,800 ₹34,600 ₹750 fee
Ranks 26 to 68 43 cards
  1. CRED IndusInd Bank RuPay Credit Card 1.00% · Invite only · Ranked lower: includes points worth full value only in one app
  2. BOBCARD Premier 0.50%
  3. IndianOil Kotak Credit Card 0.50%
  4. IDFC FIRST HPCL Power+ 0.50%
  5. Federal Bank Paisabazaar Paisaback Credit Card 0.50%
  6. Kotak Cashback+ 0.50%
  7. Kotak Cashback+ Prime 0.50%
  8. IRCTC HDFC Bank Credit Card 1.00% · Ranked lower: includes points worth full value only in one app
  9. IDFC FIRST Mayura 1.00% · Ranked lower: includes points worth full value only in one app
  10. IDFC FIRST Ashva 0.80% · Ranked lower: includes points worth full value only in one app
  11. IDFC FIRST WOW! 0.38%
  12. IDFC FIRST Millennia 0.38%
  13. IDFC FIRST Classic 0.38%
  14. HPCL ENERGIE BOBCARD 0.33%
  15. CUB CSK RuPay Platinum 0.33%
  16. CUB SRH RuPay Platinum 0.33%
  17. BPCL SBI Card OCTANE 0.25%
  18. IndiGo IDFC FIRST Dual Credit Card 0.25%
  19. HDFC Bank UPI RuPay 0.25%
  20. RBL Patanjali Vishisht 0.25%
  21. HDFC Bank MoneyBack+ 0.25%
  22. RBL Shoprite 0.25%
  23. IRCTC RBL Bank Credit Card 0.50% · Ranked lower: includes points worth full value only in one app
  24. Reliance SBI Card 0.25% · Ranked lower: includes points worth full value only in one app
  25. Unity Bank BharatPe Credit Card 2.00%
  26. IndiGo SBI Card ELITE 1.00%
  27. PhonePe HDFC Bank Uno 1.00%
  28. PhonePe SBI Card SELECT BLACK 1.00% · Invite only
  29. IDFC FIRST SWYP 0.50%
  30. IndiGo SBI Card 0.50%
  31. IndiGo Kotak Credit Card 0.50%
  32. Kotak UPI RuPay 0.30%
  33. RBL Bank Patanjali Swarn 0.25%
  34. HDFC Bank Freedom 0.07%
  35. Reliance SBI Card PRIME 0.50% · Ranked lower: includes points worth full value only in one app
  36. AU Zenith 0.75%
  37. AU Vetta 0.50%
  38. AU Zenith+ 0.25%
  39. Scapia (BOBCARD) 1.00% · Not confirmed on sale
  40. Paytm SBI Card 1.00% · Not confirmed on sale
  41. Paytm SBI Card SELECT 1.00% · Not confirmed on sale
  42. IDFC FIRST Private 2.00% · Invite only · Ranked lower: includes points worth full value only in one app
  43. IDFC FIRST Gaj 0.67% · Invite only · Ranked lower: includes points worth full value only in one app
Not ranked — earns nothing on a QR scan, or a rate nobody published 33 cards

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward… (10): PNB LUXURA Metal (RuPay) , PNB Zaggle Twin , PNB Patanjali RuPay Select , PNB RuPay Millennial , PNB RuPay Select , PNB SALARY RuPay Select , PNB BLISS , PNB EMT RuPay Platinum , PNB RuPay Platinum , PNB SALARY RuPay Platinum .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — card-specific cap unpublished, unconfirmed (2): ICICI Sapphiro , ICICI Bank Rubyx .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — UPI spends earn EDGE RP, capped at ₹50,000 UPI spends/month (1): Axis Magnus .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — RuPay Select variant (Oct-2025) links to UPI · community reports UPI earns the standard base rate · HDFC has not published a… (1): HDFC Regalia Gold .

Earns NOTHING on a UPI/QR payment — On RuPay credit cards only, UPI transactions of ₹2,000 or less earn nothing (1): Kotak Air+ Prime .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — RuPay variant supports UPI · Visa variant does not (community-reported, unconfirmed) (1): Equitas PowerMiles .

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… (1): YES Bank RESERV .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — RuPay-on-UPI earns, capped at 750 BluChips for eligible UPI txns · cap period not stated by source, confirm cycle… (1): IndiGo Axis Bank Credit Card .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — 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… (1): IDFC FIRST Select .

Earns NOTHING on a UPI/QR payment — Visa Signature card · not UPI-linkable, so no UPI earn (1): KrisFlyer SBI Card .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — the bundled RuPay variant links to UPI and earns the base 1% myCash… (1): MakeMyTrip ICICI Bank .

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 — A UPI payment of ₹2,000 or more at a merchant that is not a small one earns the ordinary cashback · the scan-and-pay payments… (1): Fibe Axis 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 — Verbatim from the exclusion list: no reward points on "credit card on UPI transactions less than ₹2000" · A UPI payment of… (1): Axis Bank Kwik .

Earns NOTHING on a UPI/QR payment — Scan & Pay inside the app accrues 1% value back (1): PhonePe SBI Card PURPLE .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — 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 (1): IDFC FIRST Wealth .

Earns on UPI at a rate unpublished — the issuer publishes no UPI rate for this card, and the one reported is community word, which this board will not rank — earns base 2 RP/₹100 on UPI (inferred, unconfirmed) (1): IRCTC BOBCARD .

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 — No points on a UPI payment under ₹2,000 and the ordinary base above it (1): YES PaisaSave RuPay .

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… (1): DCB PayLess Select 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… (1): DCB PayLess Platinum 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… (1): 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 §3.6 carves out offline UPI transactions under ₹2,000 at merchants with turnover up to… (1): IndianOil RBL Bank XTRA Credit Card .

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… (1): OneCard Metal .

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 (1): Myntra Kotak .

What changed

Changes to upi rewards, newest first 9 events

How we rank

THE POPULATION is every priced card whose issuer publishes a UPI rule in our fine-print records 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) in the ranking 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 ranking at its headline rate, and an unquantified cut is a qualifier, not a number. Nor is a card whose UPI rate only the community reports — the issuer publishes none — because on this board the rate is the whole question. A rate locked to one UPI app (the Tata Neu UPI ID, super.money) counts, because you choose the app for every scan; where the issuer caps it at what the card earns everywhere else, it counts at what that cap leaves on an all-UPI month. 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.

The records behind this board — the card records on this board and the UPI clauses in our fine-print records — carry re-verification dates from 10 Jul 2026 to 26 Oct 2026; the ranking is recomputed from them on every build.

Every figure comes from each card's own published fee and earn rate. How we value cards.

Questions

Which RuPay credit card earns rewards on UPI payments?

Axis Bank SuperMoney RuPay, at 1.50% on a UPI payment. Its app rate is capped at what the card earns everywhere else, so the rate above is what that cap leaves on a month of nothing but 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 the same cycle · UPI payments… On ₹20,000 a month of scanning — ₹2,40,000 a year — that is ₹3,600 back. The reason this list is worth reading is the other half: 186 cards on this site carry a published UPI rule at all (credit on UPI is RuPay-only, by NPCI rule). 85 of those rules say the card cannot be linked to UPI in the first place, leaving 101 that can — 7 of which pay you NOTHING for a QR scan and 26 of which earn at a rate the issuer never states, so 68 are ranked. A further 465 cards have no UPI rule on this site yet and are on no part of this page. A RuPay logo is not a reward rate, and the difference is the whole page.

How many cards are in this rupay & upi ranking?

68 of the 990 Indian personal cards we track are ranked here. 33 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 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 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 /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

How up to date is this list?

The records behind this board — the card records on this board and the UPI clauses in our fine-print records — carry re-verification dates from 10 Jul 2026 to 26 Oct 2026; the ranking 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?

17 of the 68 ranked here are lifetime free. The best on reward rate on UPI is Axis Bank SuperMoney RuPay at 1.50%. It is also this board's call outright: the top of this list costs nothing.