UPI

Best Credit Cards for UPI Payments

RuPay cards you can link to any UPI app — and which ones actually pay extra for scan-and-pay.

Any RuPay credit card can be linked to a UPI app for scan-and-pay, but only some issuers pay extra rewards specifically for using that link. These 7 cards in our lineup have a stated UPI reward rate.

HDFC Bank Pixel GoHDFC Bank₹250 + GST

1% cashback on all other spends, plus 1% on UPI spends (RuPay variant, capped at 500 CashPoints/month)

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HDFC Bank Pixel PlayHDFC Bank₹500 + GST

1% cashback on UPI spends (RuPay variant)

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Tata Neu PlusHDFC Bank₹499 + GST

Up to 1% back on UPI via Tata Neu — 0.25% base (credited by HDFC) + 0.75% extra via your Tata Neu UPI ID, capped at 500 NeuCoins/month combined

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Tata Neu InfinityHDFC Bank₹1,499 + GST

Up to 1.5% on UPI via Tata Neu — 0.5% base (credited by HDFC) + 1% extra via your Tata Neu UPI ID (credited to the Tata Neu account, capped at 500 NeuCoins/month)

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Scapia Federal Bank Credit CardFederal Bank₹0

Two linked cards sharing one credit limit and monthly statement — a VISA card for general spends and a complimentary RuPay card for UPI
5% Scapia Coins on RuPay UPI (and other RuPay) spends of ₹500 or more

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Jupiter Edge+CSB Bank₹0

5% Jewels on UPI and all other spends, uncapped
Convert UPI and credit card spends to EMI, starting at 1.33%/month; 1% fuel surcharge waiver

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Kiwi PNBPunjab National Bank₹0

1.5% cashback on UPI Scan & Pay, plus 0.5% cashback on online spends
2 reward points per ₹200 spent on non-UPI transactions
Optional paid "Kiwi Neon" membership (₹999 + GST/year) raises this to 5% cashback on spends over ₹1.5L and 2% on UPI Scan & Pay, plus complimentary airport lounge access

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Card names, fees and figures shown are illustrative; verify current terms with each issuer before applying.