Best Credit Cards for UPI
Updated March 2026 · 70 cards evaluated
With RuPay credit cards on UPI, you can now earn rewards on every UPI payment. These cards make UPI spending rewarding.
Quick Answer
The best card in this category is Airtel Axis Bank Credit Card (Score: 8.2/10) — ₹500/year, up to 25% rewards. Runner-up: YES BANK POP-CLUB Credit Card (7.8/10).
Axis · ₹500/yr · Up to 25% rewards
Up to 25% back on cashback, general
YES Bank · Lifetime Free · Up to 10% rewards
Up to 10% back on upi, online-shopping, rewards
SBI · ₹499/yr · Up to 10% rewards
Up to 10% back on online-shopping, cashback
HDFC · ₹500/yr · Up to 10% rewards
Up to 10% back on food-delivery, cashback, beginner
HDFC · ₹500/yr · Up to 10% rewards
Up to 10% back on food-delivery, swiggy, cashback
HDFC · ₹999/yr · Up to 10% rewards
Up to 10% back on upi, digital-payments, phonepe
HSBC · ₹999/yr · Up to 10% rewards
Up to 10% back on cashback, online-shopping
HDFC · ₹1,000/yr · Up to 10% rewards
Up to 10% back on food-delivery, swiggy, cashback
Kotak · ₹500/yr · Up to 7.5% rewards
Up to 7.5% back on shopping, cashback
SBI · ₹2,999/yr · Up to 7.5% rewards
Up to 7.5% back on shopping, cashback
How We Ranked These Cards
We evaluated 70 cards matching this category criteria, scored them using the CardTrail Score methodology (net value, feature depth, bank trust, accessibility), and ranked by relevance. All data is from official bank sources, verified March 2026.