Best UPI Credit Cards in India (2026 Complete Guide)

UPI is the most widely used payment method in India — but until recently, it lacked two key benefits: credit period and rewards. With the arrival of UPI credit cards, you can now pay via UPI while getting credit card benefits like rewards, cashbacks, and better cash flow.

This guide explains exactly how Best UPI credit cards work in 2026, which ones offer the best value, and how to use them wisely for everyday payments.

What Is a UPI Credit Card?

A UPI credit card is a RuPay credit card that you link to your UPI app (like Google Pay, PhonePe, Paytm, or CRED).
When you make UPI payments, the amount is billed to your credit card — not your bank account — giving you:

• A credit period (typically up to ~45 days)
• Rewards or cashback on eligible UPI spends
• Centralised spending and better tracking

This turns everyday UPI transactions like groceries, bills, and offline QR payments into reward-earning spending.

How UPI Credit Cards Work (Step-by-Step)

1. Apply for a RuPay credit card that supports UPI
2. Link the credit card to your UPI app
3. Choose the card as the payment method in UPI
4. Pay at merchants via UPI QR or UPI intent
5. The transaction posts to your credit card — earn cashback or points

⚠️ Some card issuers have limits/caps on reward earnings; always check the T&Cs.

Who Should Use a UPI Credit Card?

UPI credit cards are ideal for:

• Daily UPI users (groceries, bills, QR payments)
• First-time credit card applicants
• Gig workers & freelancers who mainly transact via UPI
• People who want short-term credit without EMI
• Users looking for cashback on everyday spends

Best UPI Credit Cards in India (2026)

Here are the best options available today, chosen for cashback/reward value + ease of use + UPI integration:

1) Kiwi RuPay Credit Card

• ~1.5% cashback on UPI QR & UPI intent payments
• Instant virtual RuPay card in the app
• Bonus rewards for Kiwi Neon membership (optional)
• Lifestyle deals + app-driven experience
• Simple, lifetime-free structure

Best for: Regular UPI spenders & value seekers

Why Kiwi Rupay? – Offers tiered rewards and bonus boosts (up to ~5%) when upgraded to Kiwi Neon membership, giving users a scalable way to earn more on UPI spends without an annual fee.

2) Axis Bank SuperMoney RuPay Credit Card

• Up to ~3% cashback on UPI QR payments (via Axis SuperMoney app)
• 1% on other eligible spends
• Lifetime free
• Simple milestones & cashbacks

Best for: Everyday UPI users looking for straight-forward cashback

Why Axis Bank SuperMoney RuPay? – Highest UPI cashback (up to ~3%) among Indian UPI credit cards, making it one of the most rewarding options for everyday QR payments at merchants, groceries, and smaller stores.

3) IDFC FIRST Digital RuPay Credit Card

• Earn rewards on UPI spends and everyday purchases
• Works well for utilities, groceries, and QR payments
• Instant virtual card; good digital experience

Best for: Users who prefer rewards points with cashback flexibility

Why IDFC First Digital Rupay? – Known for flexible redemption and higher rewards on UPI + utility payments, making it great for combined daily and bill-related spends in one place.

4) HDFC Bank UPI RuPay Credit Card

• Earn CashPoints on UPI spends
• Higher points for grocery & utility categories
• Redeemable across categories
• Integrated with all major UPI apps

Best for: Users who prefer reward points systems

Why HDFC Bank UPI RuPay? – Category-based CashPoints system rewards users not just for UPI, but extra points on groceries and utility spends — useful for building long-term reward value.

5) Jupiter Edge+ RuPay Credit Card

• ~1% cashback on UPI spends
• Rewards on curated categories like shopping & subscriptions
• Great app experience for tracking

Best for: UPI users who also spend online and on subscriptions

Why Jupiter Edge Plus Rupay? – Positioned as a digital-first lifestyle card, with UPI cashback plus strong rewards on online shopping and subscriptions, ideal for app-savvy users.

6) RBL Bank RuPay Credit Card

• Cashback / reward points on UPI transactions (terms apply)
• Works with major UPI apps

Best for: Hybrid spenders who use UPI & offline channels

Why RBL Bank Rupay? – Hybrid reward model that combines UPI rewards with offline spend points — making it a versatile card for users who transact both digitally and in stores.

7) HSBC RuPay Cashback Credit Card

• Cashback on everyday spends including UPI
• Extra lifestyle benefits

Best for: Users who want UPI + lifestyle perks

Why HSBC Rupay? – Cashback on a broad range of everyday spends beyond UPI — including dining, groceries, and utilities — bringing added value for lifestyle and bill categories.

Quick Comparison: 2026 Best UPI Credit Card Cashback & Rewards

What Usually Counts as a UPI Credit Card Spend?

UPI Credit Card spends usually qualify when:

• You pay via UPI QR at stores
• You pay via UPI intent from apps
• You pay bills using UPI with the credit card selected

May NOT qualify:

• P2P transfers (to friends or bank accounts)
• Wallet top-ups (depends on issuer)
• Some cash-like transactions (check T&Cs)

Tips to Maximise UPI Credit Card Rewards

1. Link the card correctly in your UPI app
2. Use UPI for:
   • Groceries
   • Pharmacy
   • Daily QR payments
3. Avoid paying rent or large EMIs via UPI — rewards may not apply
4. Track monthly caps (some cards have limits)

UPI Credit Card vs Regular UPI (Quick Look)

Are UPI Credit Cards Worth It in 2026?

Yes — for everyday users.

If most of your transactions happen via UPI — whether paying at shops, groceries, or utility bills — a UPI credit card is one of the easiest ways to earn rewards while continuing your regular UPI habit.

For gig workers, freelancers, and salaried professionals alike, these cards turn everyday spends into additional savings.

Apply & Earn via PickMyWork

With PickMyWork, you can apply for these UPI-based cards—and also earn by helping others apply.

How it Works

1. Download the PickMyWork app
2. Sign-Up with Mobile Number (no investment)
3. Promote the right Credit Card – You will find it in the Credit Card Section
4. Earn incentives for each successful activation

Perfect for: gig workers, students, part-time earners, and anyone in Tier 2/3 cities.

UPI-based credit cards are the future of India’s payment ecosystem. They combine the simplicity of UPI with the power of credit rewards, and offer some of the best everyday savings for young, digital-first consumers.

Whether you want high cashback (Kiwi), safe, controlled usage (Rio), or bank-backed reliability (HDFC, Axis, ICICI) — there’s a perfect UPI credit card for every type of user.

Start exploring these cards now — and earn with PickMyWork by helping others discover them.

Frequently Asked Questions

1. Do all UPI credit cards give cashback?
Not all — but the best ones on this list offer real cashback or rewards for UPI spends.

2. Can I use UPI credit cards on any UPI app?
Yes. Major apps like Google Pay, PhonePe, Paytm, and CRED support UPI credit card payments.

3. Does cashback apply to all UPI transactions?
Most cards apply cashback only on merchant UPI transactions (QR/intent). P2P or wallet top-ups may be excluded.

4. Is there any fee for using UPI credit cards?
No extra fee from UPI; normal credit card fees (if any) still apply. Always pay the bill in full to avoid interest.

5. Can UPI credit cards help build credit history?
Yes. Using them responsibly and paying on time improves your credit score.

6. What are the other Credit Cards options for me?
Check out all types of credit cards here –  Choose your credit card & fill your digital credit card application right away