Top 18 RuPay Credit Cards To Connect With UPI
Posted by Fintra , updated 2023-12-11
RuPay is India's initiative for digital payments, derived from the words 'Rupee' and 'Payment', and it's used for debit and credit transactions. RuPay is a payment network that enables banks to issue debit and credit cards. The network was launched by the Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI). Numerous people are now using their RuPay credit cards to make UPI payments on popular applications such as Paytm, BHIM, PhonePe, Google Pay, and PayZapp.
Accepted widely in India and several other countries, recently, the government has enabled linking RuPay credit cards to UPI apps for seamless payments. The use of UPI transactions is rapidly increasing in today's economy and has become one of the most widely accepted payment methods. You can use UPI payments for any purchase, whether it's groceries or insurance. With features like easy usability and secure transactions, more and more people are turning to this payment option. Additionally, you can easily link your RuPay credit card to the UPI application, allowing you to make payments without having to repeatedly enter your card number, CVV, and other details.
Given the growing popularity of RuPay cards, we have compiled a list of the 18 Best RuPay credit cards you can get for UPI payments.
Top 18 RuPay Credit Cards To Link With UPI
When it comes to connecting credit cards for UPI payments, several options are available. However, a few RuPay credit cards have established themselves as the best in the market due to their unique features and reward schemes. Therefore, if you are looking to connect your credit card with UPI, it is worth considering the top RuPay Credit Cards available. Here is a list of the best ones to know:
- Tata Neu Infinity HDFC Bank Credit Card: The Tata Neu Infinity Rupay Credit Card is currently the most popular choice among users. It offers a generous reward rate on UPI spends and provides substantial savings when used on the Tata Neu app. It's important to note that both Tata Neu credit cards are issued as a second or third HDFC Bank credit card on a shared limit.
- Tata Neu Plus HDFC Bank Credit Card: The Tata Neu Plus HDFC Bank Credit Card has a unique rewards program that uses NeuCoins. You can earn 2% back as NeuCoins on your non-EMI purchases from Tata and their partner brands. For non-Tata brands and any merchant EMI purchases, you'll receive 1% back. Addi18tionally, the card provides 1% back on UPI spending up to 500 NeuCoins per month. By downloading the Tata Neu App, you can enjoy 5% back on select categories. You'll also receive four complimentary domestic lounge accesses annually and a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000. As a welcome bonus, you'll get 499 NeuCoins as a reversal of your first-year membership fee on your first transaction within 30 days. This card is the best HDFC credit card in the RuPay category for its various benefits.
- Bank of Baroda Easy Rupay Platinum Credit Card: Bob Easy is an entry-level credit card that also comes in a Rupay variant. It provides a faster reward system on purchases made at grocery and departmental stores, making it an ideal option for people who make smaller grocery spends using UPI.
- ICICI Bank Coral Rupay Credit Card: The ICICI Bank Coral Credit Card has been available for quite some time, but it has recently been given a new lease of life with the introduction of the RuPay variant. It is now offered as a pre-approved lifetime credit card exclusively for existing ICICI Bank customers. This card is perfect for UPI spending and offers various merchant discounts from ICICI Bank. You can earn 2 reward points per Rs. 100 spent, except on fuel, and 1 point on utilities and insurance. The Milestone Rewards program enables you to earn up to 10,000 points per year. Additionally, one can enjoy quarterly complimentary access to select airport and railway lounges, a 25% discount on BookMyShow and Inox for two movie tickets twice a month, a personal accident insurance cover of up to Rs. 2 lakh, 24/7 concierge services, and the Culinary Treats Program offers exclusive dining discounts as well.
- Kiwi Rupay Credit Card: This list of the best Rupay credit cards has a new addition - Kiwi. Kiwi is a fintech startup that offers a virtual Rupay credit card in partnership with Axis Bank. If you don't already have three Axis Bank credit cards, you can consider Kiwi as one of your options. The best thing about Kiwi is that it offers real cashback ranging from 1% to 2%. However, the 2% cashback is only applicable for the first 6 months if you were already on the waitlist before the app was launched.
- IndianOil Axis Bank Credit Card: Earn rewards and enjoy surcharge waivers on fuel transactions with the IndianOil Axis Bank Credit Card. This card is designed to benefit the user in every possible way. Get a 100% fuel cashback up to Rs. 250 on your first transaction. Earn accelerated reward points on fuel outlets, IndianOil, online shopping, and everyday spending. Get a 1% fuel surcharge waiver, an annual fee waiver for spending over Rs. 50,000, and exclusive discounts on BookMyShow and EazyDiner.
- HPCL Bank of Baroda ENERGIE Credit Card: If you are looking for a credit card that offers comprehensive benefits, then the HPCL Bank of Baroda ENERGIE Credit Card is the one for you. This card provides up to a 5% discount on fuel at HPCL outlets, making it a great choice for frequent drivers. Additionally, it offers a 25% discount on movie tickets, and four complimentary domestic lounge visits per year, which is perfect for entertainment and travel enthusiasts. Other than these benefits, you can collect 10 reward points for every Rs. 150 spent on utilities, groceries, and departmental stores and 2 points on all other purchases, which gives you an optimal spending experience. This credit card from Bank of Baroda is ideal for fuel, grocery, and department store purchases.
- IRCTC RuPay SBI Card: The IRCTC RuPay SBI Card is a perfect choice for frequent train commuters who love to travel. You can earn 350 bonus points as a welcome gift when you spend Rs. 500 or more within 45 days of card activation, excluding fuel and cash spends. On AC train tickets, you can earn up to 10% Value Back as Reward Points. For every Rs. 125 spent on non-fuel retail and railway tickets, you earn 1 Reward Point. You can save 1% on transaction charges for railway bookings and enjoy exclusive IRCTC travel privileges. The card also offers a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Additionally, you get 4 complimentary railway lounge accesses annually. Overall, it is the best SBI credit card for travellers.
- IDFC FIRST Power+ Credit Card: The IDFC FIRST Power+ Credit Card provides a wide range of benefits, starting with the provision of up to 175 litres of free fuel every year. Additionally, you can receive Rs. 500 cashback on your first HPCL fuel purchase, as well as other welcome perks worth Rs. 1,650. The card offers up to 6.5% savings on fuel and 5% on groceries, utilities, and IDFC FASTag recharges. You can earn 3X rewards on other retail purchases and enjoy airport lounge access, movie discounts, and roadside assistance. The card is designed to provide long-term value, with rewards that never expire and low-interest rates starting at 9%. Furthermore, the Rs. 499 annual fees is waived on spends of Rs. 1.5 lakh in the anniversary year. This card is the best option for those looking for a combination of savings and rewards from IDFC credit cards.
- YES Prosperity Rewards Plus Credit Card: The YES Prosperity Rewards Plus Credit Card is designed for travel and dining enthusiasts and offers 8 Reward Points for every Rs. 200 spent in these categories. For all other types of spending, you can earn up to 4 Reward Points for every Rs. 200 spent. The card also has a preferential foreign currency markup of 2.75% for international expenditures, making it an ideal option for travellers. Furthermore, the card offers a 1% fuel surcharge waiver at all fuel stations across India. With a balanced mix of rewards and cost-saving features, this is considered one of the best YES Bank credit cards.
11. HDFC UPI Rupay Credit Card: If you're interested in getting a virtual credit card, the HDFC UPI Rupay Credit Card is an excellent option to consider. This credit card is completely virtual, and it comes with many benefits and features. So, if you're looking for a credit card with great features and benefits, the HDFC Rupay Credit Card should be a priority for you.
12. Bank of Baroda Premier Rupay Select Credit Card: The Bank of Baroda Premier Credit Card offers accelerated rewards on travel and dining spending, making it a step above the Easy card.
13. SNAPDEAL Bank of Baroda Credit Card: If you can overlook the Snapdeal co-branding, the Snapdeal BoB credit card is a good option for everyday use. This entry-level credit card offers a 2.5% reward on online shopping, groceries, and departmental stores, and a 1% reward on all other purchases. The only downside of this card is that it doesn't come with an annual fee waiver, but the annual fee is quite reasonable.
14. Myntra Kotak Credit Card: The Myntra Kotak credit card is a new co-branded card providing great rewards on Myntra purchases. This card is also available in a Rupay Select variant, which allows the cardholder to use it for UPI transactions once their Kotak Bank credit card is on-board.
15. IndianOil Kotak Rupay Platinum Credit Card: This is the ideal fuel credit card for those who prefer IndianOil outlets.
16. IDFC First Bank HPCL Power Rupay Select Credit Card: This credit card is an entry-level Rupay Select card from IDFC First Bank, co-branded with HPCL. Cardholders can earn a 2.5% cashback on fuel, groceries, and utilities.
17. IDFC First Bank HPCL Power+ Rupay Select Credit Card: The Power+ credit card is an upgraded version of the Power credit card. It provides a higher reward for fuel spending and is considered one of the best fuel credit cards for HP fuel pumps, as it offers a 4% return on fuel spending. Additionally, it offers a 5% return on utilities and groceries.
18. IRCTC BoB Rupay Credit Card: A train journey is not just about reaching the destination, it's also about exploring the endless tracks of happiness along the way. The IRCTC BoB Credit Card has been designed to provide you with a plethora of complimentary services, rewards, benefits and a wholesome experience of travelling by train that you can cherish for a lifetime. The creators of this card aim to make your train journeys even more rewarding and memorable by offering you this card. So always keep it with you and #TraverseWell.
Benefits of Making UPI Payments with RuPay Credit Card
With your RuPay credit card, making UPI payments is very convenient through the applications. Following are some of the benefits associated with it:
- More Reward Points – By using a RuPay credit card for UPI payments, you can earn more reward points, whether you're making big purchases or paying at the local grocery store.
- No Need for CVV or OTP – When making UPI payments with your credit card, you can bypass the need to enter the card's CVV or wait for any OTPs. Simply enter the UPI PIN to complete the payment.
- More Bank Balance and Interest –An individual can earn higher interest per month by using a credit card for UPI payments, which will also increase their bank balance.
- Manage Transactions from a Single Place –Safely manage transactions from one place without remembering credentials and OTPs for different apps and cards. Use your UPI ID to make payments.
- Quickly Check your Credit Card Limit –It is easy to check your bank balance along with checking your RuPay credit card limit using UPI apps.
How to Make UPI Payments with RuPay Credit Cards?
After linking the RuPay credit card to your UPI ID, the user can begin making payments with it. Following is a brief outline of steps to make UPI payments on varied apps with a RuPay credit card:
- Open a UPI application such as Paytm, BHIM, PayZapp, Google Pay, or any other through which you desire to make the payment. Ensure that the RuPay credit card has been linked and added to the application before using it for payments.
- To make a payment, simply scan the QR code provided by the merchant and enter the amount you wish to pay.
- Be sure to select your RuPay credit card linked to UPI as the payment option among all the available payment options.
- Enter the four or 6-digit UPI PIN for making the payment through your RuPay credit card.
Ever since the Reserve Bank of India (RBI) launched the UPI facility, it has become hugely popular among Indians. If you're looking for the best credit card in the RuPay category that you can link with your UPI application to make transactions, we've got you covered. While other cards in the category can also be linked, we recommend the ones above that offer premium benefits and discounts on all your transactions. Don't wait any longer, apply for these RuPay credit cards now and enjoy the benefits of easy transactions linked with UPI applications.