Top 5 Credit Cards For UPI Transactions

Credit card usage offers a wide range of benefits from discounts on purchases to rewards and cashback. It is easier to use credit cards via UPI transactions. Several RuPay credit cards are now providing extra benefits to users who are opting for credit card payment with UPI.
Several credit cards on the RuPay platform offer the option of linking them with UPI for easer and hassle free payments. Here are the top 5 credit cards to consider if you want to use them for UPI transactions.

HDFC Bank UPI Rupay Credit Card

Individuals can apply for the HDFC Bank UPI Rupay Credit Card by paying a nominal amount of Rs 99. Cardholders can get several benefits for using the credit card for grocery shopping, utility expenses, payment of government bills, etc.

People can get nearly 3% cash points on groceries, supermarket and dining expenses. They can also earn around 2% cash points on utility expenses and 1% points on other spends. This card offers up to 50% of interest-free credit period. To use this credit card for UPI transactions, people are required to link their UPI-enabled credit card to a UPI app. Now, whenever you make any payment, select the option to use a credit card for the deduction.

Cashback SBI Credit Card

People can link this credit card with their UPI payment application for online transactions. The card offers 5% cashback on online spending without any merchant restrictions and 1% cashback on offline spending. There is also an option of reversal of the renewal fee of online spending exceeds Rs 2 lakh in a year. Credit card users can also get a 1% fuel surcharge waiver on all petrol pumps across India.

HPCL Super Saver Credit Card

From vehicle refuelling to movie nights, this card has benefits and rewards for every occasion. Its feature to be accessible for UPI payments makes its usage easier. This card offers heavy discounts on movie tickets and refuelling and provides access to multiple airport lounges. With this card, users can get up to a 25% discount (up to Rs 100) on a minimum purchase of two tickets per transaction when purchasing tickets from BookMyShow and INOX Movies. Users can also get around 5% discount on their shopping at grocery stores, departmental stores, movies, etc. People have to pay a joining fee of Rs 500 along with an annual fee of Rs 500 for this card.

Axis Fibe RuPay Credit Card

The credit card comes without any joining or annual fee and offer ample of reward points benefits and cashbacks on transactions and purchases. People can link this credit card with their UPI payment application for hassle free transactions. This Axis co-branded credit card offers 3% cashback to its customers on online food delivery, online Entertainment, and local commute. They can also get 1% fuel surcharge waiver for transaction between ₹400 - ₹5000 (maximum waiver up to ₹400/- per month). There is also option of four domestic lounge access in a quarter and enjoy a discount of Rs 500 on partner restaurants via EazyDiner.

Edge CSB Bank RuPay Credit Card on UPI

This lifetime free credit card can be accessed with zero annual fee. People can get up to 5% cashback on UPI credit Card spends on Jupiter app. People can use this credit card for UPI transactions as well as other online transactions and avail a discount of 1% (after reaching Rs 30,000 for transactions). There are also other benefits like fuel surcharge waiver and cashback on travel, shopping and dining.