5 Best UPI Credit Cards In India

UPI credit cards have become a game-changer for anyone glued to their phone for payments these days. Basically, they're RuPay credit cards linked to your UPI handle—think apps like PhonePe, Google Pay, or BHIM—letting you tap your credit limit for everyday spends like groceries or bills without fumbling for physical cards. No joining fees on most, and the real draw is? Rewards are stacked right into your UPI flow, often 1-5% back as cashback or points.

UPI credit cards in India gained immense popularity in the late 2022 announcement, allowing RuPay credit cards to link with UPI apps, effectively merging credit with instant and contactless payments. They've exploded by 2026 with over 100 million users loving the seamlessness for daily, small-value transactions at local stores. Here are some picks of the top five worth checking out this year, based on rewards, ease, and real-user buzz.

1. Axis Bank SuperMoney RuPay Credit Card

If you're all about straightforward UPI cashback without the hassle, this one's a no-brainer—especially if you stick to the SuperMoney app. You pocket 3% cashback on eligible UPI transactions there, dropping to 1% on everything else, like swipes or other apps. Fuel surcharge waivers sweeten it for road trippers, and it's lifetime free with no cap drama. Folks rave about the simplicity of daily chai runs or online recharges.

2. Kiwi RuPay Credit Card

Kiwi keeps it fintech-fresh with a virtual card vibe. On UPI spends, earn 6 Kiwis per Rs 100 (that's 1.5% effective cashback at 1 Kiwi = Rs 0.25 credit), though capped at 1% of your limit monthly. Skip rewards on rent or utilities, but they're golden for shopping or dining. Zero fees, app-loaded controls, and extras like EMI on UPI make it a hit for young hustlers stacking small wins.

3. Pop Club Yes Bank Rupay Card

For the deal hunters, pair it with the POP UPI app and unlock an extra 5% POPcoins on top of base rewards—10 coins per Rs 100 online and 2 coins per Rs 100 offline. Milestones unlock 1,500 coins, and the annual fee (Rs 399) is waived on Rs 1.5 lakh spends
Use these coins for cashback on POP UPI, or shop across 500+ brands in the POPclub app at 1 POPcoin = 1 INR.

Think endless rewards for shopping sprees or milestone chases; it's like a loyalty club in your pocket.

4. Scapia RuPay Credit Card

Travel bugs, this screams your name. Score 5% Scapia coins on UPI and all spends over Rs 500 (5 coins = Rs 1 toward bookings), zero forex fees, and unlimited lounges. Federal Bank-backed, no annual fee, perfect for blending bills with trips. Users love redeeming for flights without the usual points headache.

5. ZET FD Credit Card [RuPay]

ZET's got that volume player edge—2% cashback on ZET UPI with ZET Plus subscription at Rs 3/day, up to 20% instant discount on Swiggy and Zomato, plus up to 15% cashback on 80+ top brand vouchers like Nykaa, PVR, Domino's, and Myntra. Earn up to 5% cashback on Amazon Pay and Flipkart vouchers too. Start with an Rs 2,000 FD and build a 750+ credit score within 45-60 days of responsible usage. It's punchy for heavy UPI warriors juggling e-comm and eats. Lifetime free, no income proof or credit history is needed.

Bank partners: Indian Overseas Bank, DCB Bank, and SBM Bank India