20 UPI Rupay credit cards to earn cashback, rewards, airport lounge access from everyday payments
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Card Fee (joining/annual) Rewards Caps/Limits Exclusions / Notes Axis Fibe Rs 0 3% cashback on food/delivery/entertainment/commute and 1% other Capping of Rs. 1500/- per statement cycle 1% fuel surcharge waiver up to Rs 400/mo; 4 lounges/yr IndusInd Platinum Rs 0 2 reward points per Rs 100 UPI transaction; Can redeem up to 2,500 reward points per calendar month for cash credit 1% fuel surcharge waiver 1 reward point on Rs 100 transaction on other spends Edge CSB UPI Rs 499 joining fee and zero annual fee 10% cashback on shopping brands, 5% on travel and 1% on online & offline spends monthly cashback limit of Rs. 3,000 HDFC UPI Joining and Renewal Fee - Rs99/- 3% on Groceries, & Dining spends, 2% on Utility spends and 1% on other spends 5%/3% capped at 500/month; Cashback on other spends, exclude Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories 1% UPI capped at 500/month Federal Scapia Rs 0 10% reward on every eligible online and offline spend No limit on rewards unlimited domestic lounge, shopping or spa by spending Rs 15,000 on Rupay card every month Yes Bank Kiwi Rs 0 1% discount on fuel Rewards are capped at 1% of the total credit limit per month - 2% cashback on payments using Kiwi app Axis supermoney Rs 0 3% cashback on upi transactions via supermoney app 500 per statement cycle 1% fuel charge waiver HDFC PhonePe Ultimo Rs 999 joining and renewal fee 10% rewards points on PhonePe spends 1000 cap per category per month 8 airport lounge access in a year and 1% waiver on fuel charges 5% on Flipkart, Amazon, Swiggy, Zomato, Uber, Myntra & AJIO 1% on Scan and Pay through any UPI app HDFC PhonePe Uno Rs 499 joining and renewal fee 2% rewards points on PhonePe spends 500 cap per category per month 1% waiver on fuel charges 1% on Flipkart, Amazon, Swiggy, Zomato, Uber, Myntra & AJIO 1% on Scan and Pay through any UPI app Slice super Rs 0 up to 3% cashback on spends Capp undisclosed
If you spend more on fuel and commute cards
Card Fee Rewards Caps/Limits Exclusions / Notes IndianOil Axis RuPay Rs 500 Joining fee and annual fee NIL for the 1st year and Rs 500 from 2nd year onwards 4% cashback on fuel and 1% on online shopping. 10% discount on movie tickets with book my show. 15% discount on partner restaurants via eazy diner The fuel waiver applies to transactions between Rs 400 and Rs 4,000, and is capped at Rs 50 per statement. - A monthly cap of Rs 5,000 on eligible online transactions IndianOil Kotak Annual fee of Rs 449 4% Reward Points on IndianOil Fuel Spends, 2% Reward Points on Grocery and Dining spends, On all other spends, 0.5% Reward Points. 1200 reward Points are capped per statement cycle for fuel spends and 800 Reward Points are capped for Grocery and Dining spends. All UPI on Credit Card transactions will accrue 0.5% Reward Points on every INR 150 spent, across spend categories HPCL BOB Energie Annual and joining fee of Rs 449 24 Reward points per rs 150,1% fuel surcharge waiver on Rs 400–Rs5,000 fuel spends, 10 points on Utility & departmental store spends per Rs 150.Other categories (including UPI) is 2 points per Rs 150 Fuel reward points are capped at 1,000 points per statement 4 complimentary domestic airport lounge entries per year (1 per quarter), tied to minimum quarterly spends. IDFC First Power / Power+ Rs 199 for power/Rs 499 for power+ Power Fuel rewards are capped at up to 700 RPs/month for power and 2,400 for power+ 1 free domestic airport lounge visit per quarter if monthly spends ≥ ₹20,000 (only on power+) - Fuel (HPCL): 21 reward points per Rs 150 - Grocery/Utility/FASTag Recharge: 15 rewards points per Rs 150 Roadside Assistance (both): ₹1,399 cover, 4 times per year - UPI & Other spends: 2 Rewards points per Rs 150 Power+ 30 rewards points on fuel and grocery and 3 on UPI and other spends per Rs 150 BPCL SBI Octane Rs 1,499 25X Reward Points on fuel purchases at BPCL petrol pumps Maximum 2500 Reward Points per billing cycle 4 complimentary visits per calendar year to Domestic VISA lounges 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs 4000. 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies
Shopping and lifestyle cards:
Card Fee Rewards Caps/Limits Exclusions / Notes Tata Neu Infinity Rs 1,499 joining and renewal fee 5% rewards points on Tata brands; 1.5% on UPI Rewards points are cap Rs 500/mo Rental and Government related transactions will not earn rewards Tata Neu Plus Rs 499 joining and renewal fee 2% rewards points on Tata brand and 1% on UPI Rewards points earned on Grocery transactions will be capped to 1,000/month and Utility transactions will be capped at 2000 per calendar month Rental and government-related transactions will not earn rewards Myntra Kotak RuPay Rs 500 Joining and annual fee Instant Discount of 7.5% on all spends done across Myntra Platforms. maximum discount of Rs.750 per transaction HDFC MoneyBack+ Rs 500 joining and annual fee 10X CashPoints (3.3% Valueback) on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket UPI rewards are capped at rs 500/month 2 CashPoints per Rs 150 spent on other spends All UPI spends will earn, 2 Reward points for every Rs.150 spent Federal Signet Rs 0 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories. Capping only on select categories Buy One Get One on INOX movie tickets, once a quarter and Complimentary Swiggy vouchers on quarterly spend of ₹20,000
Most of us use UPI for everyday payments such as shopping or eating out. What if making payments via UPI can get you cashback and reward points? This is possible if you make payments using UPI RuPay credit cards . Several leading banks are now offering UPI RuPay credit cards, which combine the convenience of UPI for making payments with the benefits of credit card rewards.Also read: These credit card deals can help you make most of Amazon Prime Day sales from July 12 to July 14: check details ET Wealth online provides you with a list of UPI Rupay credit cards that offer cash back, rewards, and airport lounge access.Here is a list of 20 UPI Rupay credit cards where you can earn rewards and cash back based on your spending patternCRED has shared the data in all the tables mentioned above. The data is as of July 10, 2025. UPI RuPay Credit Card on UPI apps like Google Pay and PhonePe?To link your UPI Rupay credit card on UPI apps such as Google Pay, Phone Pe or BHIM, you are first required to download the desired app. Once the app is downloaded, you must complete the registration process.On the app, select the UPI Rupay Credit Card option. Enter the credit card details such as credit card number, CVV, expiry date, etc. Verify the card with the OTP and set up the UPI PIN to make payments with the UPI Rupay Credit card.Once the linking is successful, you can start making payments via UPI Rupay credit cards to make the payment.
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