Best Credit Card for UPI in India
Check your eligibility in 30 seconds – no impact on your credit score
Earn rewards on every UPI transaction—turn digital payments into cashback or points.
UPI has transformed how India pays. With over 13 billion transactions a month, it is the dominant payment method for everyday purchases — from local kirana stores to online orders. Until recently, credit cards were locked out of the UPI ecosystem. That changed with RuPay credit cards, which can now be linked directly to apps like PhonePe and Google Pay.
A RuPay credit card on UPI means you can pay anywhere a QR code is accepted and still earn credit card rewards. This is significant because many small merchants who do not have a card swipe machine do accept UPI. You get the convenience of UPI with the rewards of a credit card in a single tap.
Not all RuPay credit cards treat UPI transactions equally. Some cards offer full reward points on UPI spends, while others cap rewards or exclude UPI entirely from the earning structure. Before choosing a card for UPI, confirm whether UPI transactions earn the same points as regular card swipes, and whether there are any monthly caps on UPI rewards.
We are continuously adding more credit card partners including RuPay cards with strong UPI benefits.
Available Options
Live Partner
Tata Neu HDFC Card
5% NeuCoins on Tata brands, 1.5% on other spends
No annual fee (first year)
More UPI-compatible card partners coming soon.
Looking for everyday savings beyond UPI? Compare cashback credit cards or see all best credit cards in India.
Frequently Asked Questions
Can I use a credit card for UPI payments in India?
Yes, but only RuPay credit cards can be linked to UPI apps like PhonePe and Google Pay. Visa and Mastercard credit cards currently cannot be used directly for UPI transactions.
Do I earn rewards on credit card UPI transactions?
It depends on the card. Some RuPay credit cards offer full reward points on UPI spends, while others exclude UPI or limit rewards. Always check the terms before relying on UPI rewards.
Which UPI apps support credit card payments?
PhonePe, Google Pay, and Paytm support RuPay credit card linking for UPI payments. BHIM also supports this feature. You link the card once and pay through QR codes or mobile numbers.
Is there a transaction limit for credit card UPI payments?
NPCI currently sets a UPI transaction limit of Rs. 1 lakh per day for most categories. Some banks may set lower limits on their credit card UPI feature. Check your bank app for the exact limit.
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