Best Credit Cards for UPI Payments — Earn Rewards on Every Scan
CardKhoj Editorial Team 10 min read20 March 2026
Financial Disclaimer
Disclaimer: This information is for educational purposes only. Always consult a certified financial advisor before making any financial decision.
Earn Rewards on Every UPI Scan
Since RBI allowed credit cards to be linked with UPI in 2022, you can now earn reward points on everyday payments — from chai to groceries. RuPay credit cards work best with UPI, but select Visa and Mastercard cards are also supported on Google Pay and PhonePe.
Best Credit Cards for UPI
| Card | UPI Support | Reward Rate | Annual Fee |
|---|---|---|---|
| HDFC RuPay | All UPI apps | 2% cashback | ₹500 |
| ICICI Amazon Pay | Google Pay | 2% non-Prime | Lifetime Free |
| AU Ixora RuPay | All UPI apps | 3% on UPI | Lifetime Free |
| SBI Cashback | BHIM SBI Pay | 5% online | ₹999 |
UPI Credit Card Tips
✅ UPI transactions earn same rewards as POS swipes. ✅ Transaction limit is ₹1-2 Lakh per day. ✅ Set spending alerts to avoid overspending. ⚠️ Not all banks support UPI linking — check with your issuer.