Best Rupay Credit Cards for UPI

In the last few years, we have witnessed a huge growth in the usage of RuPay credit cards, as these cards offer high accessibility, affordability, and alignment with the support of the government for a cashless economy. If you are also thinking of applying for a RuPay credit card for UPI, then you have landed on the right article. In this article, we will explore the best RuPay credit cards for UPI. Let’s begin with the basics.

What is a RuPay credit card?

National Payments Corporation of India (NPCI) designed and operated Rupay Credit Cards to meet the diverse needs of users and facilitate secure and smooth transactions. In June 2022, the Reserve Bank of India launched a feature which allows the linkage of Rupay credit cards with UPI. Thus, the users could now make UPI payments using a credit card. Now let’s know which are the best RuPay credit cards for UPI.

Top Rupay Credit Cards for UPI:

1. HDFC Bank UPI Rupay Credit Card:

The HDFC Bank RuPay credit card gives you exciting reward points for every payment through UPI. Here are its key features:

· For payments of groceries, supermarkets, dining and other UPI transactions, you can earn 3% reward points with a limit of 500 points per month.

·  On utility payments, the reward points are 2% with a limit of 500 reward points per month

·  There are 1% reward points on other expenses with a cap of 500 reward points per month

· Annual fee waiver if payments exceed Rs 25,000 annually.

2. ICICI HPCL Super Save Credit Card:

The key features of the ICICI HPCL Super Save Credit Card are:

· 4% reward points on HPCL purchases with a limit of Rs. 200 per month. Also, there is a rebate of 1% on fuel surcharges

· The HP Pay app saves you more with 1.5% extra savings and 6 reward points per Rs. 100.

· For other retail transactions, earn 2 reward points. The value of 1 reward point is Rs. 0.25.

· Get ₹100 cashback on recharges using the HP Pay app and 2,000 reward points as a joining bonus.

3. IndusInd Bank Platinum RuPay Credit Card:

Here are the key features of the IndusInd Bank Platinum Rupay Credit Card:

· 2 reward points for every Rs. 100 spent on UPI transactions

·  For non-UPI transactions, there is 1 reward point

·  For utility, insurance, government, or education bills, there are 7 points for transactions of Rs. 100

·  1% fuel surcharge waiver on fuel transactions with a limit of Rs. 40 per month

4. HDFC MoneyBack + Credit Card

· 2 cashpoints for spending Rs. 150 on any category

·  Welcome gift of 500 cashpoints

· Get 10X CashPoints on BigBasket, Amazon, Swiggy, Flipkart, and Reliance Smart SuperStore.

· At certain retailers, earn five times as many cash points for EMI transactions.

5. Tata Neu Infinity HDFC Credit Card:

The features of the Tata Neu Infinity HDFC Credit Card are:

· After your first purchase within 30 days of the card's issuance, earn 1,499 NeuCoins.

· Receive 1.5% NeuCoins on merchant EMI, non-Tata brand, and UPI transactions.

· On some purchases made through the Tata Neu app or website, get an extra 5% off in NeuCoins.