Top 5 UPI-Enabled RuPay Credit Cards in India (2025)

Top 5 UPI-Enabled RuPay Credit Cards in India (2025)

🔹 Introduction

In 2025, UPI has become the go-to payment method for millions of Indians. But did you know you can now link select RuPay credit cards to UPI apps like PhonePe, Google Pay, and Paytm? That means you get the convenience of UPI with the rewards and benefits of a credit card—a total win-win.

If you're looking to earn cashback, reward points, or travel perks while scanning QR codes, here are the top 5 RuPay credit cards that support UPI payments in India.

🔝 1. HDFC Bank UPI RuPay Credit Card

• Joining Fee: ₹99
• UPI Rewards: 3% CashPoints on groceries, dining, PayZapp & UPI spends (up to 500/month)
• Best For: Beginners and everyday spenders
• Bonus: Renewal fee waived on ₹25,000 annual spend

🔝 2. Tata Neu Plus HDFC RuPay Credit Card

• Joining Fee: ₹499
• UPI Rewards: 1% NeuCoins on UPI spends via Tata Neu app
• Best For: Tata brand loyalists and online shoppers
• Bonus: Free airport lounge access + welcome NeuCoins

🔝 3. YES Bank PaisaSave RuPay Credit Card

• Joining Fee: ₹0
• UPI Rewards: 1.5% cashback on all UPI and online spends
• Best For: Cashback lovers
• Bonus: Cashback redeemable as statement credit with no redemption fee

🔝 4. SBI SimplySAVE RuPay Credit Card

• Joining Fee: ₹499
• UPI Rewards: 10X reward points on groceries, movies, and more
• Best For: Everyday shopping and UPI users
• Bonus: 2,000 bonus points on spending ₹2,000 in 60 days

🔝 5. Tata Neu Infinity HDFC RuPay Credit Card

• Joining Fee: ₹1,499
• UPI Rewards: 1.5% NeuCoins on UPI and non-Tata spends
• Best For: Frequent travelers and Tata ecosystem users
• Bonus: 8 domestic + 4 international lounge accesses per year

🧠 Final Thoughts

UPI-linked RuPay credit cards are the future of digital payments in India. Whether you're a student, a frequent shopper, or a travel junkie, there's a card that fits your lifestyle. Choose one that aligns with your spending habits—and start earning while you scan.