Best RuPay Credit Cards for UPI Payments (2026)
Updated · 3 options compared
Only RuPay credit cards can be linked to UPI. Once linked, you can scan merchant QR codes at shops and pay from your credit line — earning rewards and getting up to 50 days of interest-free credit on payments you used to make from your bank account.
Note that credit-card UPI works for payments to merchants, not for sending money to friends (P2P), and some reward programmes give lower rates on UPI spends.
Quick comparison
| # | Name | Rewards | Annual fee |
|---|---|---|---|
| 1 | HDFC Tata Neu Plus | 5% NeuCoins on Tata brands, 1.5% on others | ₹499 + GST |
| 2 | PNB Rupay Platinum | 2 reward points per ₹100 on all spends | ₹299 + GST |
| 3 | Canara RuPay Select | 1 reward point per ₹100 spent | ₹500 + GST |
1.HDFC Tata Neu Plus
4.5/5- Rewards
- 5% NeuCoins on Tata brands, 1.5% on others
- Annual fee
- ₹499 + GST
- Network
- RuPay
The card that unlocks the full Tata ecosystem — 5% NeuCoins on BigBasket, 1mg, Tata Neu, and Croma add up quickly. For families who regularly shop across Tata brands, the rewards are very rewarding. The ₹50,000 fee waiver threshold is low, making it practically free for most users.
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
2.PNB Rupay Platinum
3.9/5- Rewards
- 2 reward points per ₹100 on all spends
- Annual fee
- ₹299 + GST
- Network
- RuPay
The most affordable credit card on this list, ideal for those who want to build credit history with minimal cost. The RuPay network means seamless UPI linkage for everyday payments. Limited rewards, but the ₹2 Lakh insurance cover adds genuine value for budget-conscious users.
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
3.Canara RuPay Select
3.8/5- Rewards
- 1 reward point per ₹100 spent
- Annual fee
- ₹500 + GST
- Network
- RuPay
An ultra-budget card from Canara Bank with RuPay UPI support for seamless digital payments. The ₹5 Lakh personal accident insurance is a hidden gem at this rock-bottom price point. Primarily for existing Canara Bank customers who want basic credit card benefits without high annual fees.
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
How we chose
- RuPay network (required for UPI).
- Rewards on UPI transactions.
- Annual fee.
CardKhoj is independent and does not earn commission from banks. Rates and fees change often — always confirm the latest terms on the bank's official website before applying.
Frequently asked questions
Can I link a Visa or Mastercard credit card to UPI?
No. In India only RuPay credit cards can be linked to UPI at present. Many banks offer a RuPay variant of their popular cards — ask your bank if you can switch networks.
Is there a charge for using a credit card on UPI?
There is no charge to you for small merchant payments. Merchants may pay a fee on larger transactions, and a few cards exclude UPI spends from rewards.