Tata Neu Infinity HDFC RuPay
92/100HDFC Bank
The gold standard for RuPay UPI QR payments.
Annual Fee₹1,499 + GST
Reward1.5% NeuCoins on UPI QR payments + 10% on Tata Neu App
Lounge8 Domestic + 4 International lounge visits per year
Apply Now →Best RuPay Credit Cards for UPI in India
Updated Oct 2026
RuPay is the only network whose credit cards can be linked to UPI apps for scan-and-pay at QR codes. That makes these cards useful for everyday small spends, but earnings on UPI transactions are usually lower than on direct card swipes and often carry caps. Our audited data currently flags a small set of RuPay cards with UPI enabled, so this list is short by design.
1 card(s), highest Credwiser score first. No sponsored rankings.
How to Choose
Be clear about what UPI linkage does. It lets you pay at QR codes from your credit card through apps like Google Pay, PhonePe or BHIM. Person-to-person transfers and some merchant categories earn nothing, and several issuers exclude rent, wallet loads and fuel from rewards entirely. Always check the exclusion list before assuming every QR payment earns.
Compare the UPI rate with the regular swipe rate on the same card. Issuers often reward UPI spends at a lower rate or inside a shared monthly cap, so heavy UPI users can hit the ceiling quickly. Also confirm whether the UPI reward comes as cashback or as coins usable only inside one ecosystem, because blocked balances are worth less than statement credit.
Fees still decide the winner. A paid RuPay card must recover its fee plus 18% GST from your UPI earnings, which take a large monthly volume at low rates. If your QR spending is modest, a lifetime free card with a lower rate often ends the year ahead. Read the full review on each card page, where the UPI conditions sit next to the fee table.
Still unsure? Try the 30s Card Match Wizard or compare any 3 cards side by side.