Expert Selection 2026
Best Credit Cards for RuPay Credit Cards
Credit cards on the RuPay network with UPI payment support, enabling seamless tap-and-pay and UPI-based transactions at zero MDR.
Recommended Cards (12)
Top Choice
KOTAK MAHINDRA BANK LTD
Kotak UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- UPI linked credit-card benefits
- 3 reward points per ₹100 on UPI linked credit card transactions
- 3 reward points per ₹100 on other credit card transactions
YES BANK LTD
YES Bank Klick Kiwi RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Specialized for UPI and scan-and-pay transactions
- Base rewards: 4 Kiwis (1% cashback) for UPI transactions
- 2 Kiwis (0.5% cashback) for non-UPI transactions
BANK OF BARODA
BOB RuPay Easy Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Entry-level card with reward rate of 0.25% to 1.25%
- Fuel surcharge waiver on all fuel transactions
- Available on both Visa and RuPay payment networks
HDFC BANK LTD
HDFC Bank PIXEL RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- 5% cashback on choice of any 2 packs from categories like dining, travel, grocery, electronics, and fashion
- 3% cashback on choice of one e-commerce merchant (Amazon, Flipkart, or PayZapp)
- 1% unlimited cashback on all other spends
HDFC BANK LTD
HDFC Bank UPI RuPay Biz Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Business version of UPI RuPay credit card
- 1% cashback on UPI spends
- Business-oriented benefits
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Enabled for UPI payments
- 1% cashback on UPI spends
- Link to UPI-enabled apps like PayZapp
IDFC FIRST BANK LTD
IDFC FIRST EA₹N RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Assured cashback card
- Not eligible for overdue interest charges
- Simplified reward structure
IDFC FIRST BANK LTD
IDFC FIRST Digital RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Add-on metal variant for existing IDFC FIRST cards
- Enables UPI payments using credit card
- Premium metal variant
INDUSIND BANK LTD
IndusInd Bank Platinum RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 2 reward points on every ₹100 transaction via UPI
- Fuel surcharge waiver nationwide
AXIS BANK LTD
Indian Oil Axis Bank RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- nan
AXIS BANK LTD
Axis Bank KWIK RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- nan
AXIS BANK LTD
Fibe Axis Bank RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- nan
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