Synopsis- RuPay credit cards are gaining rapid popularity recently because of their connectivity to UPI, the most popular real-time payment system in India. The cards offer the benefit of digital convenience with profitable reward schemes as the UPI is increasingly becoming a daily necessity of the urban, technologically-savvy consumers. In case you want to make the best use of the reward points on every UPI payment then read this to know more and which are the top cards of 2025.
Why Choose a RuPay Credit Card with UPI Integration?
UPI-based RuPay credit cards can be used to make transactions at any UPI QR based establishment by paying with the credit option, and earn credit card benefits. National Payments Corporation of India (NPCI) has made it obligatory that banks provide the same reward points with UPI that it provides to the PoS interactions. This democratization means that such cards are a must have to anyone who engages in frequent and small-ticket, as well as, merchant payments. The onboarding procedure is quite simple: as soon as it is approved, your RuPay credit card can be integrated with any popular UPI application (such as PhonePe, Google Pay, or Paytm) and you may use your credit line now. The integration of additional security tools like tokenization, two-factor authorization, and immediate transaction notifications also enables such cards to be safe to use in the digital-first approach.
Top RuPay UPI Credit Cards with Reward Interests
1. IDFC FIRST Bank HPCL Power/Fuel RuPay Credit Card
- Annual Fee: ₹499 (plus GST)
- Rewards: Earn 3X points (per ₹150) on eligible UPI retail spends; uncapped. Standard earnings on other spending.
- Highlight: Unlimited rewards on UPI make it the top pick for high-volume spenders. Excludes some categories like insurance and utility bills.
- Security: Features like instant card lock/unlock and real-time fraud detection.
2. IndusInd Bank Platinum RuPay Credit Card
- Fee: Lifetime free
- Rewards: 2 points per ₹100 spent on UPI merchant payments.
- Highlight: No annual fees and reward points that never expire, perfect for disciplined spenders.
- Variants: virtual and physical.
- Safety: EMV chip, instant fraud alerts.
3. YES Bank BankBazaar FinBooster RuPay Credit Card
- Fee: No joining/annual fee (virtual only)
- Rewards: Up to 4 points per ₹200 for UPI spends above ₹2,000.
- Highlight: High earn rate for bigger UPI spends; ideal for digital natives.
- Security: Dynamic transaction PIN, spend tracking.
4. HDFC Bank UPI RuPay Credit Card
- Annual Fee: ₹99 (waived at ₹25,000 annual spend)
- Rewards: Up to 3% cashback on groceries, dining, and supermarket UPI payments; 1% elsewhere.
- Highlight: Affordable, strong for everyday essentials.
- Digital Safety: Tokenized data, spend notifications.
5. Axis Bank Fibe RuPay Credit Card
- Fee: Lifetime free
- Rewards: 3% cashback on select lifestyle (entertainment, food delivery, rides) via UPI; 1% elsewhere.
- Highlight: Best for metro professionals.
- Protection: Real-time alerts, in-app controls.
Also read: Top 15 Most Preferred Credit Cards in India for Every Lifestyle in 2025 – Which One Should You Get?
How to Choose the Best RuPay UPI Credit Card
- Consider your spending pattern: Cards like IDFC FIRST HPCL Power work for high-frequency retail shoppers. For online and travel deals, look into issuer co-branded options.
- Reward redemption: Top issuers allow points to be redeemed for statement credit, air miles, or e-vouchers. IndusInd’s non-expiring points are a strong long-term benefit.
- Fee structure: Prefer zero-fee or spend-based waiver cards if you are fee-conscious. High-fee cards often offer additional lounge access or premium benefits.
- Security: Opt for cards with tokenization, instant PIN reset, and robust digital protections to safeguard UPI payments.
| Card Name | Annual Fee | Reward Rate on UPI | Special Notes |
|---|---|---|---|
| IDFC FIRST Bank HPCL Power/Fuel RuPay CC | ₹499 | 3 RP/₹150 (retail, unlimited), exclusions apply | Excludes insurance, fuel, etc. |
| IndusInd Bank Platinum RuPay Credit Card | Free | 2 RP/₹100 (UPI) | No expiry, no cap, various variants |
| YES Bank Bank Bazaar FinBooster RuPay Credit Card | Free (virtual) | 4 RP/₹200 (UPI > ₹2,000); certain spends excluded | No fees, digital controls |
| HDFC Bank UPI RuPay Credit Card | ₹99, waiver @ ₹25k | 3%/2%/1% CP (category-based, with caps and exclusions) | ₹375/month cap, comprehensive rules |
| Axis Bank Fibe RuPay Credit Card | Free | 3% (entertainment, food, commute via UPI), 1% elsewhere | Free lounge access, controls |
How to Choose the Best RuPay UPI Credit Card
- Consider your spending pattern: Cards like IDFC FIRST HPCL Power work for high-frequency retail shoppers. For online and travel deals, look into issuer co-branded options.
- Reward redemption: Top issuers allow points to be redeemed for statement credit, air miles, or e-vouchers. IndusInd’s non-expiring points are a strong long-term benefit.
- Fee structure: Prefer zero-fee or spend-based waiver cards if you are fee-conscious. High-fee cards often offer additional lounge access or premium benefits.
- Security: Opt for cards with tokenization, instant PIN reset, and robust digital protections to safeguard UPI payments.
Final Word
Emerging RuPay UPI credit cards are an economic advantage to Indian consumers, great earning rates, high acceptance levels and safe online transaction. Cards such as the IDFC FIRST Bank HPCL, the IndusInd Platinum and the YES Bank FinBooster, are rewarding in terms of structure in 2025. Selecting the optimum card and progressing it to suite your expenditures an make daily spending accomplishments and advantages on a month-to-month basis. To get the most benefits, to carry out the analysis of your UPI use it and choose a RuPay credit card that will allow literally making every payment a tangible financial profit.
Written by Hiten Chauhan
