Spends · category 14 of 15
Which credit cards still earn on UPI — September 2026
Of the 1119 cards on the desk, 176 publish a rule for UPI — and 3 of those pay ABOVE the card's own normal rate here, against 44 at full rewards. The rest: 19 capped, 20 at a reduced rate, 6 earn nothing, 84 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for UPI spends in India?
Axis Magnus (Axis Bank) pays 2.40% on UPI, up to the monthly cap its rule names — the best rate of any card with a published rule here. 176 cards publish one, 6 of which earn nothing at all.
On a budget: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on UPI for ₹0/yr or less, and it's open to apply.
no MCC of its own — issuers flag it by transaction type · 176 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of UPI returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Magnus
RuPay variant (Oct–Dec 2025) links to UPI; UPI spends earn EDGE RP, capped at ₹50,000 UPI spends/month
2.40% capped up to a monthly cap — see the rule - 02 IDFC FIRST Private
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 ₹2,000. The spend still counts toward Private's own reward calculation
2.00% reduced cut to 30% of its normal rate - 03 Unity Bank BharatPe Credit Card
Earns the full 2%. This is a RuPay card and Unity's product page section "4) CC on UPI" ends "Once linked, you're ready to make UPI payments directly from your credit card – quickly, securely, and with the added benefit of rewards!" — the issuer stating in its own words that UPI spend earns. No P2M threshold, no per-transaction floor and no reduced UPI rate is published
2.00% full earn
Every card with a published rule
176 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Axis Bank SuperMoney RuPay Axis Bank | accelerated | 1.00% | 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 made outside super.money earn the 1% base, unlimited |
| IndusInd Platinum RuPay IndusInd Bank | accelerated | 0.60% | 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. Links to BHIM, Google Pay, PhonePe and Paytm |
| RBL Bank SalarySe UP RBL Bank | accelerated | 0.20% | 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/₹100 on the incremental UPI spend above ₹20,000 in a month, capped at 8,000 RP a month. One published hole — "Offline UPI transactions under INR 2,000 done at small merchants on RBL Bank RuPay Credit Card will not be eligible for rewards points, voucher benefits, milestone benefits or any other product benefits", a small merchant being one turning over ₹20 lakh or less last financial year. Points redeem at ₹0.20 in the SalarySe app with no redemption fee, against ₹99 + GST on RBL's own portal |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%. This is a RuPay card and Unity's product page section "4) CC on UPI" ends "Once linked, you're ready to make UPI payments directly from your credit card – quickly, securely, and with the added benefit of rewards!" — the issuer stating in its own words that UPI spend earns. No P2M threshold, no per-transaction floor and no reduced UPI rate is published |
| HDFC Regalia Gold HDFC Bank | full earn | 1.63% | RuPay Select variant (Oct-2025) links to UPI; community reports UPI earns the standard base rate — HDFC has not published a separate UPI schedule |
| Equitas PowerMiles Equitas Small Finance Bank | full earn | 1.50% | RuPay variant supports UPI; Visa variant does not (community, flag) |
| ixigo AU AU Small Finance Bank | full earn | 1.25% | RuPay variant earns 2.5 RP/₹100 on UPI/QR (same as card rate) |
| IndiGo SBI Card ELITE SBI Card | full earn | 1.00% | RuPay variant earns base 2 BluChips/₹100 on UPI; Mastercard variant no UPI (verify caps, community) |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | full earn | 1.00% | RuPay variant earns 2 BluChips/₹100 on UPI-on-credit-card spends outside the exclusion MCCs (Kotak T&C) |
| MakeMyTrip ICICI Bank ICICI Bank | full earn | 1.00% | Dual card — the bundled RuPay variant links to UPI and earns the base 1% myCash (CardInsider, 2026-07-11; ICICI T&C silent on a UPI-specific rate — flag) |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | full earn | 1.00% | 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 — but the MITC sets a floor, and a GoldX UPI transaction under ₹100 earns nothing |
| PNB LUXURA Metal (RuPay) Punjab National Bank | full earn | 1.00% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| Paytm SBI Card SELECT SBI Card | full earn | 1.00% | UPI earns the 1% base — clause 5 says so outright ("All UPI transactions made using Paytm SBI Card SELECT will accrue 1% Valueback"). It does not reach the 2% or 5% Paytm-app tiers, which are matched by Paytm's own merchant IDs |
| Paytm SBI Card SBI Card | full earn | 1.00% | UPI earns the 1% base — clause 4, "All UPI transactions made using Paytm SBI Card will accrue 1% valueback". It never reaches the 2% Paytm-app or 3% Paytm-Travel tiers |
| PNB Zaggle Twin Punjab National Bank / Zaggle | full earn | 0.83% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| AU Zenith AU Small Finance Bank | full earn | 0.75% | RuPay variant links to UPI and earns standard RP — community consensus (TechnoFino/DesiDime); Visa variant cannot link |
| YES Bank Zagg Credit Card YES Bank | full earn | 0.75% | 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 Zagg app. Minimum ₹50 a transaction, large merchants only; Bharat QR and mandate payments are excluded, and so is every other UPI app |
| HSBC RuPay Platinum HSBC | full earn | 0.67% | 2 reward points per ₹150 — HSBC's product page states that reward points are earned on credit-card-linked UPI payments, which is the whole travel case for this card: it is the only lifetime-free RuPay card in India whose UPI spend earns a currency that reaches an airline |
| IndianOil HDFC Bank Credit Card HDFC Bank | full earn | 0.64% | UPI spends earn the base 1 Fuel Point per ₹150 — Table 1.1 says so in the rate line itself, "(including UPI transactions)", and HDFC's worked example pays 20 Fuel Points on a ₹3,000 UPI apparel purchase, noting "We have considered that the card is RuPay variant" |
| IndiGo SBI Card SBI Card | full earn | 0.50% | RuPay variant earns base 1 BluChip/₹100 on UPI; Mastercard variant no UPI (verify caps, community) |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | RuPay variant earns 1 BluChip/₹100 on UPI spends outside the exclusion MCCs |
| ICICI Sapphiro ICICI Bank | full earn | 0.50% | Sapphiro RuPay variant links to UPI (ICICI RuPay lineup, 2026-07-11); merchant UPI spends earn standard RP per ICICI's RuPay FAQ — card-specific cap unpublished, flag. Visa/MC/Amex variants can't link |
| ICICI Bank Rubyx ICICI Bank | full earn | 0.50% | Rubyx RuPay variant links to UPI (ICICI RuPay lineup, 2026-07-11); merchant UPI spends earn standard RP per ICICI's RuPay FAQ — card-specific cap unpublished, flag. Visa/MC/Amex variants can't link |
| BOBCARD Premier BOBCARD (Bank of Baroda) | full earn | 0.50% | Core 2 RP/₹100 only — §1.2: "Credit Card on UPI transactions are not eligible for Accelerated Reward Points/benefit", so a UPI swipe never reaches the 5X band |
| AU Vetta AU Small Finance Bank | full earn | 0.50% | RuPay variant links to UPI and earns standard RP — community consensus (TechnoFino/DesiDime); Visa variant cannot link |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | RuPay — earns base 2 RP/₹100 on UPI (inferred, flag) |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | full earn | 0.50% | 3 RP/₹150 on UPI — the same rate as the card's base — but with its own exclusion list: insurance, fuel, EMI, cash, utility, grocery and IDFC FIRST FASTag recharges all pay nothing on the UPI rail |
| Reliance SBI Card PRIME SBI Card | full earn | 0.50% | UPI on the RuPay variant earns the base rate and only the base rate. §11.4(b) promises that base "will continue to accrue" at participating Reliance Retail stores, which is the polite way of saying the store's accelerator does not — pay a Reliance format by UPI and you forgo the 10-or-20-points-per-₹100 tier a swipe would have earned |
| Kotak Cashback+ Kotak Mahindra Bank | full earn | 0.50% | On the RuPay variant, UPI-on-credit-card spends earn the unlimited 0.5% base, excluding the restricted MCCs |
| Kotak Cashback+ Prime Kotak Mahindra Bank | full earn | 0.50% | On the RuPay variant, UPI spends earn the base rate "on both accelerated and non-accelerated categories" — so paying an accelerated merchant by UPI forfeits the accelerator and drops you to base |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | UPI spends earn the card's ordinary base rate — 3 Reward Points per ₹150 — and nothing more. Kotak's own footnote reads "All UPI on Credit Card transactions will accrue 0.5% Reward Points on every INR 150 spent, across spend categories", and BOTH accelerator blocks carry the note "this feature is not applicable on UPI transactions". So scanning a QR at an IndianOil pump pays 3 points per ₹150 where swiping the card pays 24 — the single biggest mistake available on this card |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.33% | Core 2 RP/₹150 only, and the product page is blunt about the second half: "UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for joining rewards and annual fee waiver" |
| PNB Patanjali RuPay Select Punjab National Bank / Patanjali Ayurved | full earn | 0.33% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB RuPay Millennial Punjab National Bank | full earn | 0.33% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB RuPay Select Punjab National Bank | full earn | 0.33% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB SALARY RuPay Select Punjab National Bank | full earn | 0.33% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| CUB CSK RuPay Platinum City Union Bank | full earn | 0.33% | 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 illustration is "UPI Spend of ₹3,000 → (3000 ÷ 150) × 2 = 40 RP". This is the one CSK/SRH variant issued on RuPay alone, so UPI works without the virtual-card step the Mastercard variants need. §6's one-category rule means UPI does not stack with the 2X list |
| CUB SRH RuPay Platinum City Union Bank | full earn | 0.33% | 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. RuPay-only issuance means no virtual-card step. §6's one-category rule keeps it from stacking with the 2X list |
| Kotak UPI RuPay Kotak Mahindra Bank | full earn | 0.30% | UPI payments earn the full 3 Reward Points per ₹100 with no transaction floor — the point of the card, and unusual among credit-on-UPI cards |
| BPCL SBI Card OCTANE SBI Card | full earn | 0.25% | UPI spend on the RuPay variant earns the normal grid, with one carve-out that matters more than it looks — 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 |
| AU Zenith+ AU Small Finance Bank | full earn | 0.25% | RuPay variant links to UPI and earns standard RP — community consensus (TechnoFino/DesiDime); Visa variant cannot link |
| PNB BLISS Punjab National Bank | full earn | 0.25% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB SALARY RuPay Platinum Punjab National Bank | full earn | 0.25% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB EMT RuPay Platinum Punjab National Bank / EaseMyTrip | full earn | 0.25% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| PNB RuPay Platinum Punjab National Bank | full earn | 0.25% | PNB links its RuPay credit cards to UPI through BHIM, Paytm, PhonePe, Mobikwik and Slice, and publishes NO separate UPI reward schedule anywhere — so UPI spend is treated as earning the card's ordinary rate (inferred from absence, flag) |
| DCB PayLess Select Credit Card DCB Bank | full earn | — | RuPay and UPI-linkable, with no published UPI exclusion and no UPI accelerator — UPI spend counts toward the quarterly milestone as ordinary spend |
| DCB PayLess Platinum Credit Card DCB Bank | full earn | — | The card is RuPay and UPI-linkable, and DCB publishes no UPI exclusion and no UPI accelerator — UPI spend counts toward the quarterly milestone as ordinary spend |
| Axis Magnus Axis Bank | capped | 2.40% | RuPay variant (Oct–Dec 2025) links to UPI; UPI spends earn EDGE RP, capped at ₹50,000 UPI spends/month |
| Tata Neu Infinity SBI Card SBI Card | capped | 1.50% | 1.5% on the RuPay variant, capped at 500 NeuCoins a month |
| HSBC RuPay Cashback HSBC | capped | 1.00% | 1% cashback — this is one of the few cards that pays on credit-card-linked UPI at all, and HSBC's product page states it outright. Capped, though, and the cap is the whole card's — "Cashback across both categories is capped at INR 400" a month, so ₹40,000 of UPI scanning exhausts it and every rupee after earns nothing |
| Tata Neu Plus HDFC Bank HDFC Bank | capped | 1.00% | 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, the whole bucket capped at 500 NeuCoins a calendar month |
| Tata Neu Plus SBI Card SBI Card | capped | 1.00% | 1% on the RuPay variant, capped at 500 NeuCoins a statement cycle |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | capped | 1.00% | "Reward points on UPI transactions will be capped at 500 per calendar month" |
| HDFC Bank PIXEL Play HDFC Bank | capped | 1.00% | 1% CashPoints on all UPI spends, RuPay variant only, capped at 500 CashPoints a calendar month — the same rate as the base, with its own ceiling |
| SBM MobiKwik First Credit Card SBM Bank (India) | capped | 1.00% | 1% through MobiKwik's own @ikwik handle on transactions of ₹2,000 or more, and NIL through Google Pay, PhonePe, Paytm or any other UPI app. The channel is the condition, not the merchant |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | capped | 1.00% | Earns the base 1% only on transactions of ₹2,000 or more — a UPI payment below that earns nothing at all, whatever the merchant |
| PhonePe SBI Card SELECT BLACK SBI Card | capped | 1.00% | Scan & Pay inside the PhonePe app earns 1% value back — but §12(6) carries a dated nerf worth diarising, because from 1 July 2026 Scan and Pay or online UPI transactions OUTSIDE PhonePe accrue no Reward Points at all |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | capped | 0.75% | Core 3 RP/₹100 only — §1.2: "Credit Card on UPI transactions are not eligible for Accelerated Reward Points/benefit" — and the product page caps UPI reward points at ₹500 of value a statement cycle on top of that |
| IndiGo Axis Bank Credit Card Axis Bank | capped | 0.50% | RuPay-on-UPI earns, capped at 750 BluChips for eligible UPI txns — cap period not stated by source, confirm cycle (community, flag) |
| IRCTC RBL Bank Credit Card RBL Bank | capped | 0.50% | Earns the ordinary rate on UPI, EXCEPT offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh in the previous financial year), which earn no points and no product benefit — RBLs standard RuPay carve-out |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | capped | 0.25% | Earns the base rate on UPI, EXCEPT offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh in the previous financial year), which earn no points, no vouchers and no milestone credit — RBL states it in the T&Cs own Credit Card on UPI section |
| HDFC Bank UPI RuPay HDFC Bank | capped | 0.25% | UPI is the whole point of the card — it is a RuPay product built to link to a UPI app — and a UPI payment earns whichever of the three buckets its MCC lands in, each capped at 500 CashPoints a calendar month. The exclusion list still applies over the UPI rail, and no transaction under ₹100 earns |
| HDFC Bank MoneyBack+ HDFC Bank | capped | 0.25% | On the RuPay variant, UPI spends earn 2 Reward Points per ₹200 capped at 500 Reward Points a calendar month — fuel, wallet and prepaid loads and voucher purchases are excluded even here |
| RBL Shoprite RBL Bank | capped | 0.25% | The RuPay variant links to UPI and earns the card's ordinary rate — with one published hole: "offline UPI transactions under INR 2000 done at small merchants on RBL Bank RuPay Credit Card will not be eligible for rewards points, voucher benefits, milestone benefits or any other product benefits", where a small merchant is one turning over ₹20 lakh or less in the previous financial year. The Mastercard and Visa variants cannot link to UPI at all |
| RBL Patanjali Vishisht RBL Bank | capped | 0.25% | A RuPay card, so UPI works — but RBL publishes two holes in it: "No reward points will be issued for less than INR 2,000 Offline UPI transactions", and "UPI transactions of less than INR 2,000 are excluded from accrual towards annual milestone spends". Offline UPI above ₹2,000 earns and counts as ordinary spend |
| HDFC Bank Freedom HDFC Bank | capped | 0.07% | "For Rupay Credit Cardholders, all UPI spends (Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases) will earn 1 RP for every Rs.200 spent and is capped at 500 reward points in a calendar month" — the base rate, with its own ceiling |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 2.00% | 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 ₹2,000. The spend still counts toward Private's own reward calculation |
| Tata Neu Infinity HDFC Bank HDFC Bank | reduced | 1.50% | 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; capped 500 NeuCoins/month (official) |
| Myntra Kotak Kotak Mahindra Bank | reduced | rate unpublished | The card's base rate reached UPI-on-credit-card on the RuPay form, but only above ₹2,000 a transaction — Kotak excluded "UPI transactions below or equal to Rs.2000/-", which is most UPI payments, along with education |
| IDFC FIRST Mayura IDFC FIRST Bank | reduced | 1.00% | RuPay-on-UPI (FIRST Digital add-on) earns 3 RP/₹150 vs the 5 RP/₹150 base AND counts toward milestones — one of the stronger UPI earn rates in the catalog |
| Scapia (Federal Bank) Federal Bank | reduced | 1.00% | RuPay variant earns coins at 5 per ₹100 on UPI vs 10 per ₹100 on everything else (5% vs 10%, ≈1% effective) — half the Visa rate |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | reduced | rate unpublished | 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 lakh — those earn no Fuel Points, no milestone credit and no other product benefit |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | reduced | 1.00% | RuPay variant earns coins at 5 per ₹100 on UPI vs 10 per ₹100 on everything else (5% vs 10%, ≈1% effective) — half the Visa rate |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 0.80% | 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 ₹20k trigger and the ₹8L milestone |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | reduced | 0.75% | RuPay variant on UPI earns the OFFLINE rate — 3 RP/₹100 (0.75%), never the 15X online rate; standard category exclusions apply (CardInsider + official rewards T&C) |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the 5 RP/₹150 base, via the FIRST Digital RuPay add-on — which Gaj alone gets with no joining, annual or add-on fee |
| IDFC FIRST WOW! Black IDFC FIRST Bank | reduced | 0.50% | 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 Digital dual card is included rather than a ₹199 add-on |
| IDFC FIRST SWYP IDFC FIRST Bank | reduced | 0.50% | 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 rupee routed through UPI is a rupee that stops counting toward the ₹60,000 top rung |
| IndianOil RBL Bank Credit Card RBL Bank | reduced | rate unpublished | 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 lakh — those earn no Fuel Points, no milestone credit and no other product benefit |
| IDFC FIRST WOW! IDFC FIRST Bank | reduced | 0.38% | 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 |
| IDFC FIRST Wealth IDFC FIRST Bank | reduced | 0.38% | 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 — community (CardInsider), flag |
| IDFC FIRST Select IDFC FIRST Bank | reduced | 0.38% | Up to 3 RP/₹200 vs the 3 RP/₹200 base — the add-on's ceiling IS the everyday rate — via the FIRST Digital RuPay add-on (₹199 + GST joining and annual); the ₹2,000-per-txn split IDFC publishes on the sibling ₹200-base cards isn't restated for Select, flag |
| IDFC FIRST Millennia IDFC FIRST Bank | reduced | 0.38% | 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 rate |
| IDFC FIRST Classic IDFC FIRST Bank | reduced | 0.38% | Via the FIRST Digital RuPay add-on at ₹199 + GST; IDFC prints "up to 3X" for Classic without restating the ₹2,000-per-transaction split it publishes on WOW!, so the ceiling is the everyday rate at best — 3 RP/₹200 vs the 3 RP/₹200 base |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | 0.5 BluChips/₹100 on UPI via the RuPay card (published reduced band) |
| Reliance SBI Card SBI Card | reduced | 0.25% | UPI payments at participating Reliance Retail stores (RuPay variant only) earn 1 Reward Point per ₹100 rather than the 5 or 10 the same purchase would earn on card rails |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | On RuPay credit cards only, UPI transactions of ₹2,000 or less earn nothing; Kotak names no network for this card, so treat it as conditional |
| YES Bank RESERV YES Bank | earns nothing | — | RuPay (JCB) variant links to UPI but core RuPay cards earn ZERO RP on UPI — only YES's virtual RuPay companion earns (community: CardMaven forum) |
| KrisFlyer SBI Card SBI Card | earns nothing | — | Visa Signature card — not UPI-linkable, so no UPI earn |
| Axis Bank Kwik Axis Bank | earns nothing | — | Verbatim from the exclusion list: no reward points on "credit card on UPI transactions less than ₹2000". UPI payments of ₹2,000 or more do earn the normal 2 points per ₹200 — the exclusion is a floor, not a blanket |
| OneCard Metal OneCard (issued via partner banks) | earns nothing | — | RuPay variant links via OneCard UPI, but OneCard publishes no UPI earn and community confirms none — treat as zero until documented (flag) |
| PhonePe SBI Card PURPLE SBI Card | earns nothing | — | From 1 Jul 2026, Scan & Pay and online UPI transactions made outside PhonePe earn nothing; Scan & Pay inside the app accrues 1% value back |
| HDFC Infinia Metal HDFC Bank | n/a | — | Visa/Mastercard only, no RuPay variant — UPI not supported |
| Axis Magnus for Burgundy Axis Bank | n/a | — | Not supported |
| ICICI Emeralde Private Metal ICICI Bank | n/a | — | Mastercard only |
| HDFC Diners Club Black Metal HDFC Bank | n/a | — | Diners network — UPI not supported |
| Axis Olympus Axis Bank | n/a | — | Visa Infinite / Mastercard World Elite — UPI not supported |
| HSBC Premier (Metal) HSBC | n/a | — | Mastercard only — UPI not supported |
| Marriott Bonvoy HDFC Bank HDFC Bank | n/a | — | No RuPay variant |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | n/a | — | Mastercard World — no RuPay variant, UPI not supported (Google Pay tokenized QR ≠ UPI) |
| IndusInd Tiger IndusInd Bank | n/a | — | Visa Signature only — UPI not supported |
| RBL Nova RBL Bank | n/a | — | Visa Infinite — UPI not supported |
| HSBC TravelOne HSBC | n/a | — | Mastercard only — no RuPay variant, UPI not supported |
| Kotak Air+ Kotak Mahindra Bank | n/a | — | Visa (network inferred in our card data, flag) — UPI-linkability not published; treated as not supported |
| Standard Chartered Ultimate Standard Chartered | n/a | — | Mastercard network (migrated off Visa Infinite) — no RuPay variant, UPI not supported |
| Axis Bank Reserve Axis Bank | n/a | — | Visa Infinite / Mastercard World Elite — no RuPay, UPI not supported |
| ICICI Times Black ICICI Bank | n/a | — | Visa Infinite only — UPI not supported |
| Axis Horizon Axis Bank | n/a | — | Visa only — UPI not supported |
| YES Bank Marquee YES Bank | n/a | — | Visa Infinite only — UPI not supported |
| HDFC Diners Club Privilege HDFC Bank | n/a | — | Diners network — no RuPay variant, UPI not supported |
| Axis Bank PRIMUS Axis Bank | n/a | — | Visa Infinite Privilege only — no RuPay variant, so no UPI linkage |
| Axis Miles & More World Select Axis Bank | n/a | — | Mastercard World — no RuPay/UPI |
| IndusInd Avios Visa Infinite IndusInd Bank | n/a | — | Visa Infinite — no RuPay variant, UPI not supported |
| SBI Card MILES PRIME SBI Card | n/a | — | Dual Mastercard+RuPay at application (confirmed 2026-07-11); the RuPay variant links to UPI but the MILES rewards T&C is silent on UPI earn — undocumented, flag |
| Axis Miles & More World Axis Bank | n/a | — | Mastercard World — no RuPay/UPI |
| Axis Bank SELECT Axis Bank | n/a | — | Visa — UPI not supported |
| Amazon Pay ICICI Bank ICICI Bank | n/a | — | Visa-only card; there is no RuPay variant to put on UPI |
| IDBI Bank Euphoria World IDBI Bank | n/a | — | Euphoria World is a Mastercard with no RuPay variant, so it cannot be linked to UPI at all |
| IDBI Bank Royale Signature IDBI Bank | n/a | — | Royale Signature is a Visa with no RuPay variant, so it cannot be linked to UPI at all |
| HSBC Platinum HSBC | n/a | — | HSBC Platinum is a Visa with no RuPay variant, so it cannot be linked to UPI at all — that is the one thing its RuPay sibling does and this card does not |
| RBL Platinum Maxima RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL Platinum Maxima Plus RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | n/a | — | Mastercard. The T&Cs UPI clause applies only to RuPay cards |
| Adani One ICICI Bank Signature ICICI Bank | n/a | — | Visa Signature — no RuPay variant, UPI not supported |
| IndiGo Axis Bank Premium Credit Card Axis Bank | n/a | — | Visa Signature — UPI not supported |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | n/a | — | Visa — no RuPay variant, UPI not supported |
| RBL iGlobe RBL Bank | n/a | — | Mastercard-only — no RuPay variant, UPI not supported |
| SpiceJet Axis Bank Voyage Black Axis Bank | n/a | — | Visa card, no RuPay variant published — UPI not supported |
| Kotak Solitaire Kotak Mahindra Bank | n/a | — | Visa Infinite — UPI not supported |
| SBI Card MILES ELITE SBI Card | n/a | — | Dual Mastercard+RuPay at application (confirmed 2026-07-11); the RuPay variant links to UPI but the MILES rewards T&C is silent on UPI earn — undocumented, flag |
| RBL Icon RBL Bank | n/a | — | Mastercard/Visa only (official network guide) — no RuPay variant, UPI not supported |
| RBL World Safari RBL Bank | n/a | — | Mastercard World — no RuPay variant, UPI not supported |
| RBL Platinum Edge RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL World Safari Plus RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL Insignia Preferred Banking World Card RBL Bank | n/a | — | Mastercard/Visa only — no RuPay variant, UPI not supported |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | n/a | — | Visa — no RuPay variant, UPI not supported |
| Axis Bank Privilege Axis Bank | n/a | — | Mastercard and Visa variants only — no RuPay, so no UPI linkage |
| Kotak White Reserve Kotak Mahindra Bank | n/a | — | Visa network — UPI not supported |
| TVS Credit RBL Bank RBL Bank / TVS Credit | n/a | — | Mastercard. The T&C carries RBLs standard UPI clause, but it applies only to RuPay cards — "UPI scan & pay functionality will only be available with RBL Bank RuPay Credit Cards" |
| RBL Bank Blockbuster RBL Bank / BookMyShow | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL Platinum LifeEasy RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| AU Ananta AU Small Finance Bank | n/a | — | Network unpublished (AU site bot-blocked; community silent) — Paisabazaar reports virtual-card UPI linking, unverified; no UPI earn documented |
| IndusInd Legend IndusInd Bank | n/a | — | Visa Signature — no RuPay/UPI |
| Standard Chartered Rewards Standard Chartered | n/a | — | The Rewards Credit Card is offered on the Mastercard network only, with no RuPay variant, so it cannot be linked to UPI at all |
| SpiceJet Axis Bank Voyage Axis Bank | n/a | — | Visa card, no RuPay variant published — UPI not supported |
| SBI Card MILES SBI Card | n/a | — | Dual Mastercard+RuPay at application (confirmed 2026-07-11); the RuPay variant links to UPI but the MILES rewards T&C is silent on UPI earn — undocumented, flag |
| IRCTC SBI Card Premier SBI Card | n/a | — | RuPay variant links to UPI, but SBI publishes no UPI earn rate for it — same honest absence as the MILES trio; flag until documented |
| IndusInd Pinnacle World IndusInd Bank | n/a | — | Mastercard World — no RuPay/UPI |
| RBL Signature Banking RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL Aspire Banking RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| RBL Apex RBL Bank | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| Standard Chartered EaseMyTrip Standard Chartered | n/a | — | Visa — UPI not supported |
| DBS Vantage DBS Bank India | n/a | — | Visa Infinite — UPI not supported |
| Federal Bank Celesta Federal Bank | n/a | — | Visa Celesta — UPI not supported (a Mastercard variant also exists) |
| IndusInd Pioneer Heritage IndusInd Bank | n/a | — | Mastercard World Elite — UPI not supported |
| Standard Chartered Super Value Titanium Standard Chartered | n/a | — | Super Value Titanium is a Mastercard with no RuPay variant, so it cannot be linked to UPI at all |
| CASHBACK SBI Card SBI Card | n/a | — | Visa card — no RuPay-on-UPI variant is published for this card |
| IndusInd Duo IndusInd Bank | n/a | — | Visa only — UPI credit linkage is RuPay-only under NPCI, and IndusInd does not publish a RuPay variant of Duo |
| RBL Movies and More RBL Bank | n/a | — | Mastercard only — RBL links UPI to its RuPay cards, and this product has no RuPay variant |
| RBL Paisabazaar Duet RBL Bank | n/a | — | Mastercard and Visa only — RBL links UPI to its RuPay cards, and this product ships no RuPay variant |
| RBL Paisabazaar Duet Plus RBL Bank | n/a | — | Mastercard only — RBL links UPI to its RuPay cards, and this product ships no RuPay variant |
| RBL BankBazaar SaveMax RBL Bank | n/a | — | Mastercard and Visa only — RBL links UPI to its RuPay cards, and this product ships no RuPay variant |
| Amex Platinum Travel American Express | n/a | — | No UPI |
| Amex Platinum Charge American Express | n/a | — | Amex network — no UPI |
| Amex Membership Rewards Card American Express | n/a | — | No UPI |
| Amex Platinum Reserve American Express | n/a | — | Amex network — no UPI |
| PNB LUXURA Metal (Visa Infinite) Punjab National Bank | n/a | — | PNB's Credit Card on UPI page says "PNB RuPay Credit Cards can now be linked on UPI" and names no Visa variant — this card cannot be put on UPI at all |
| PNB Visa Signature Punjab National Bank | n/a | — | PNB's Credit Card on UPI page says "PNB RuPay Credit Cards can now be linked on UPI" and names no Visa variant — this card cannot be put on UPI at all |
| Amex Gold Charge American Express | n/a | — | No UPI |
| RBL World Plus RBL Bank | n/a | — | Mastercard/Visa — RBL links UPI only to its RuPay cards |
| RBL World Prime RBL Bank | n/a | — | Mastercard/Visa — RBL links UPI only to its RuPay cards |
| RBL World Max RBL Bank | n/a | — | Mastercard/Visa — RBL links UPI only to its RuPay cards |
| Flipkart Axis Bank Super Elite Axis Bank | n/a | — | No RuPay variant published — UPI not supported |
| Axis Atlas Axis Bank | n/a | — | Visa only |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | n/a | — | Mastercard — RBL links UPI only to its RuPay cards |
| Kotak Privy League Signature Kotak Mahindra Bank | n/a | — | Visa Signature — UPI not supported |
How UPI got here
5 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- HSBC's RuPay Platinum welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together HSBC
- HSBC's RuPay Cashback welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together HSBC
- HSBC's 0% forex window on the RuPay Cashback card closes HSBC
- PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe SBI Card
- PhonePe SBI PURPLE stops paying on UPI outside PhonePe SBI Card
Not published
939 cards on the desk have no rule we could read for UPI. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 939
Axis Burgundy PrivateHDFC Biz Black MetalStandard Chartered BeyondIndusInd PIONEER PrivateDBS AltitudeDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardIDFC FIRST Diamond ReserveKrisFlyer SBI Card APEXStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC PrivéHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardBOBCARD Etihad GuestAU CA MetalAU CSHSBC Live+IDBI Bank LIC Eclat SelectEquitas Selfe Credit CardKotak AirIndus SolitaireIDBI Bank WinningsAdani One ICICI Bank PlatinumNiyo Global SBM Credit CardYES Bank ELITE+YES EssenceEazyDiner IndusInd SignatureRBL World Safari LitePhonePe HDFC Bank UltimoShoppers Stop Black HDFC BankSBI Card ELITEPaytm HDFC Bank SelectMakeMyTrip ICICI Bank PlatinumKotak WhiteKotak Zen SignaturePhonePe HDFC Bank UnoKotak NRI Royale SignatureSBI Card PRIMEIndianOil Axis Bank PremiumHDFC PIXEL GoIRCTC SBI Platinum CardUnion Bank UNICORNIndusInd CelestaICICI Bank EmeraldeUnion Bank NEXTERIAFederal Bank ImperioSBI Card PULSEUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardICICI Bank CoralYES Bank SELECTYES Bank BYOC (Rewards)ICICI Bank ExpressionsICICI Bank HPCL Super SaverUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumKotak League PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyAxis Bank My ZoneLIC Axis Bank SignatureFibe Axis Bank Credit CardAxis Bank ACEAxis Bank REWARDSYES Bank Wellness PlusSamsung Axis Bank SignatureFlipkart Axis Bank Credit CardAxis Bank NEOSimplyCLICK SBI CardAU Bank Traverse Credit Card (NRI)AU Bank NOMO Credit CardRBL LumièreSBI AURUMHDFC Bank MillenniaLIC IDFC FIRST SelectFlipkart SBI CardTitan SBI CardLandmark Rewards SBI Card PRIMEApollo SBI Card SELECTCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusAxis Bank CashbackAxis Bank Freecharge PlusPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC Bank BusinessPaytm HDFC Bank Select BusinessFlipkart Wholesale HDFC BankPaytm HDFC BankAxis Bank FreechargeAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureAxis Bank Titanium Smart TravellerBPCL SBI CardHDFC Bank BizGrowICICI Bank HPCL Coral Credit CardICICI Bank Platinum Chip Credit CardGoogle Pay Flex Axis BankIndianOil Axis Bank Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak811 Super Money CardSimplySAVE SBI CardLandmark Rewards SBI Card SELECTLandmark Rewards SBI CardShoppers Stop HDFC BankLIC Axis Bank PlatinumICICI Bank ParakramICICI Bank Parakram SelectICICI Bank Coral against FDICICI Bank Rubyx against FDICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd PlatinumKotak811 Dream DifferentICICI Bank NRI CoralICICI Bank NRI SapphiroKrishak Unnati SBI CardSwiggy Ornge HDFC Bank Credit CardSwiggy BLCK HDFC Bank Credit CardUtkarsh Eternal Credit CardUtkarsh Rhodium Credit CardUtkarsh SmartGen Credit CardUtkarsh superCardAxis Bank Shoppers Stop Credit CardRBL Platinum DelightRBL Platinum ShopGainRBL Platinum MaxRBL Platinum PrimeRBL Platinum PlusRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ChoiceRBL Platinum AdvantageRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL BingeRBL MyFirstRBL EasySaverRBL Bank PLAYRBL Bank QuickPayRBL Bank DMI FinanceRBL BankBazaar SaveMax ProRBL CookiesRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredSwiggy HDFC Bank Credit CardHDFC Bank UPI RuPay Mega SaverHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU LIT Credit CardAU Altura Plus Credit CardAU Altura Credit CardAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered SmartStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineSuryoday SFB RuPay PlatinumSuryoday SFB RuPay SelectESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)Paisabazaar Step-Up SBM Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProCUB CSK Master PlatinumCUB SRH Master PlatinumCUB CSK Master WorldCUB SRH Master WorldDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Bank Shoppers Stop BlackRBL Bank Shoppers Stop PlatinumRBL Bank Shoppers Stop GoldRBL Corporate T&E PlatinumRBL Corporate T&E GoldRBL RazorpayX Corporate T&ERBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)Union Bank Micro EnterpriseIB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnCanara Bank Select / World / SignatureCanara Bank PlatinumKVB SBI Signature CardKVB SBI Platinum CardSouth Indian Bank SBI Platinum CardApollo SBI CardShaurya SBI CardDoctor's SBI CardShaurya Select SBI CardSBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteAxis Bank Vistara Infinite Credit CardYES First PreferredHDFC Harley-Davidson Diners ClubMakeMyTrip ICICI Bank SignatureKotak Royale SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumEmirates Skywards ICICI Bank RubyxChennai Super Kings ICICI BankAir India SBI Signature CardClub Vistara SBI Card PRIMEAxis Bank Vistara Signature Credit CardClub Vistara SBI CardAxis Bank Vistara Credit CardAir India SBI Platinum CardHDFC RegaliaHDFC Regalia ActivIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAAxis Bank SignatureManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicKotak Best Price BusinessRBL Bank novioHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakRBL vCardIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.