7 Best RuPay Credit Cards Compatible with UPI
7 Best RuPay Credit Cards: The use of UPI transactions has surged in popularity in the current economic environment. Whether it’s buying groceries or paying insurance premiums, UPI payments provide flexibility and ease.
Thanks to their secure transactions and intuitive interfaces, UPI payments are increasingly favored. A notable benefit is the effortless integration of your chosen RuPay credit card with UPI apps, which spares you from having to enter your card details such as the card number and CVV each time.
Interested in learning about the best RuPay credit cards that work with UPI applications? Check out this guide for more information!
Best RuPay Credit Cards with UPI Connectivity
While many credit cards offer UPI linking capabilities, some RuPay credit cards stand out due to their exceptional features and rewards. These elite cards are at the forefront of integrating credit card use with UPI payments. Here are the leading options:
- HDFC Freedom RuPay Credit Card
- ICICI Bank Bank of Baroda Premier Credit Card
- IRCTC RuPay Credit Card
- HPCL RuPay Credit Card
- IDFC HPCL FIRST Power Credit Card
- Snapdeal RuPay Credit Card
- Yatra SBI Card
Top RuPay Credit Cards Overview
| Card Name | Ideal For | Major Benefits |
|---|---|---|
| Axis Bank IndianOil Credit Card | Fuel and Retail Purchases | Get 4% back on fuel purchases and 20 reward points per ₹100 spent at Indian Oil outlets. |
| HPCL BOB ENERGIE Credit Card | Retail and Travel | Collect 10 bonus points for every ₹150 spent on groceries, utilities, and at department stores. |
| TATA Neu Plus HDFC Credit Card | Cashback and Rewards | Earn back 499 NeuCoins as a first-year fee reversal when used on the Tata Neu app. |
| ICICI HPCL Coral Credit Card | Shopping and Fuel | Enjoy 25% off on BookMyShow movie tickets and receive dining discounts. |
| IRCTC SBI Platinum Credit Card | Travel, Fuel, and Rewards | Benefit from 4 free railway lounge visits per year across select locations in India, limit one per quarter. |
| IDFC FIRST Power + Credit Card | Cashback on Essentials | Save 5% on grocery and utility bills. |
| YES Prosperity Rewards Plus Credit Card | General Shopping | Earn 2 reward points for every ₹200 spent on utilities, taxes, and bus fares. |
| HDFC Bank UPI RuPay Credit Card | Rewards, Shopping, and Cashback | Annual fee waiver on spending over ₹25,000 in a year. |
1. IndianOil Axis Bank Credit Card
The Axis Bank RuPay Platinum Credit Card ranks highly among RuPay options, packed with an array of advantages, including cash rebates on utilities, dining savings, and free access to airport lounges.
With the IndianOil Axis Bank Credit Card, experience complete fuel cashback up to ₹250. This card allows you to accumulate impressive rewards on purchases at IndianOil, as well as on online and everyday spending. Enjoy benefits such as a 1% waiver on fuel surcharges, a waived annual fee for spending above ₹50,000, and exclusive deals on BookMyShow and EazyDiner.
2. HPCL Bank of Baroda ENERGIE Credit Card
The HPCL Bank of Baroda ENERGIE Credit Card is the premier choice among BoB offerings, loaded with substantial benefits. Secure up to 5% savings on fuel at HPCL stations, tailor-made for regular motorists. It also provides a 25% reduction on cinema tickets and four complimentary domestic lounge visits annually, perfect for enhancing your travel and leisure activities.
In addition, gain 10 reward points for every ₹150 you spend on utilities, groceries, and department stores, with an additional 2 points on other purchases, making every transaction more rewarding.
3. Tata Neu Plus HDFC Bank Credit Card
The Tata Neu Plus HDFC Bank Credit Card features an innovative rewards structure through NeuCoins. This card allows you to earn 2% in NeuCoins on non-EMI expenditures at Tata and affiliated brands, and 1% on spends with non-Tata brands and merchant EMI transactions. You can also gain 1% back on UPI purchases, up to 500 NeuCoins monthly.
Install the Tata Neu App and enjoy a 5% return on selected categories. Benefit from four free domestic lounge visits each year and a 1% waiver on fuel surcharges for transactions ranging from ₹400 to ₹5000. Earn 499 NeuCoins as a credit for your first-year membership fee when you make your first transaction within 30 days. This card is recognized as the top HDFC offering in the RuPay lineup, loaded with extensive perks.
4. ICICI Coral RuPay Credit Card
The ICICI Coral RuPay Credit Card stands out as a flexible choice for accumulating rewards and accessing various lifestyle perks. It’s recognized among the top ICICI offerings. Gather 2 reward points for every ₹100 spent on non-fuel purchases and 1 point for utilities and insurance payments. The Milestone Rewards program enhances its appeal, allowing you to earn up to 10,000 points annually, along with quarterly complimentary access to selected airport and railway lounges.
Benefit from a 25% discount on BookMyShow & Inox for up to two movie tickets twice each month. Additional benefits include a ₹2 lakh personal accident insurance, round-the-clock concierge services, and special dining offers through the Culinary Treats Program.
5. IRCTC RuPay SBI Card
Designed with train travelers in mind, the IRCTC RuPay SBI Card offers numerous benefits making it ideal for frequent rail users. Receive 350 bonus points as a welcome offer when you spend ₹500 or more on your first transaction within 45 days, excluding fuel and cash transactions. Enjoy up to 10% value back as Reward Points on AC class train tickets, and earn 1 Reward Point for every ₹125 spent on non-fuel retail purchases and railway tickets.
This card also allows you to save 1% on transaction charges when booking railway tickets and offers exclusive IRCTC travel advantages. Furthermore, benefit from a 1% fuel surcharge waiver for transactions ranging from ₹500 to ₹3,000, and gain access to four railway lounges annually. It is considered the top SBI credit card for those who travel frequently by train.
6. IDFC FIRST Power+ Credit Card
The IDFC FIRST Power+ Credit Card offers an array of valuable benefits, starting with up to 175 liters of free fuel each year. New cardholders enjoy a ₹500 cashback on their first HPCL fuel transaction, along with other welcome benefits worth ₹1,650. The card facilitates savings of up to 6.5% on fuel purchases and 5% on groceries, utilities, and IDFC FASTag top-ups.
Additionally, triple reward points on all other retail spending enhance its appeal, coupled with perks such as airport lounge access, cinema ticket discounts, and roadside assistance. Designed for sustained value, the rewards on this card do not expire, and it offers one of the lowest interest rates starting at just 9%. With an annual fee of ₹499 that is waived off on spending ₹1.5 lakh during the card’s anniversary year, this card stands as IDFC’s top offering, perfectly balancing savings with comprehensive rewards.
7. YES Prosperity Rewards Plus Credit Card
The YES Prosperity Rewards Plus Credit Card is specifically designed for those who love to travel and dine out, offering 8 Reward Points for every ₹200 spent on these activities. For all other purchases, cardholders can accumulate up to 4 Reward Points per ₹200 spent.
Ideal for international travelers, the card features a competitive foreign currency markup of just 2.75% on overseas transactions. It also includes a 1% fuel surcharge waiver applicable at all fuel stations nationwide. With its combination of generous reward points and practical cost-saving benefits, this card ranks as one of the premier offerings from YES Bank.
8. HDFC UPI RuPay Credit Card
The HDFC UPI RuPay Credit Card offers a digital credit card experience loaded with an array of advantages. For those considering a virtual credit card, the HDFC RuPay Credit Card stands out as a top choice to consider.
Final Thoughts
Now that you’ve explored the leading RuPay credit cards that integrate seamlessly with UPI applications, it’s the perfect moment to apply and make the most of their outstanding perks. While other RuPay cards can also be connected to UPI, these options excel due to their exclusive benefits and attractive discounts on all transactions.
Don’t miss out—apply for these RuPay credit cards today to take advantage of their features and enjoy smooth, efficient transactions through UPI platforms.
FAQs
What is UPI, and how does it function with RuPay credit cards?
Unified Payments Interface (UPI) is a platform that enables users to link multiple bank accounts to a single mobile app, integrating various banking functions, smooth fund transfers, and merchant payments under one roof. When a RuPay credit card is connected to UPI, users can make payments directly from their credit card without needing to input card details for each transaction.
Are there any costs involved in linking my RuPay credit card to UPI?
Typically, linking a RuPay credit card to UPI does not incur extra fees. Nonetheless, standard credit card fees such as interest on outstanding balances and other card-specific charges will still be applicable. It’s recommended to consult your bank for comprehensive details on any potential fees associated.
Can all RuPay credit cards be linked to UPI applications?
While most RuPay credit cards can be linked to UPI apps, this feature’s availability may depend on the card issuer and the specific card features. It’s recommended to check with your bank or card issuer to ensure that your RuPay credit card supports UPI integration.
What are the advantages of using a RuPay credit card for UPI transactions compared to other cards?
RuPay credit cards typically come with lower transaction fees, exclusive discounts, and benefits specifically designed for Indian consumers. When used with UPI, these cards enhance convenience, offer added security for transactions, and provide various rewards and cashback offers exclusive to RuPay cardholders.
How do I link my RuPay credit card to a UPI application?
To connect your RuPay credit card to a UPI app like BHIM or Google Pay, go to the ‘Bank Accounts’ section, select the option to add a credit card, and input your card details. Follow the prompts to verify your card, and once verified, your card will be linked, allowing you to make direct payments through UPI using your credit card.
