Best UPI / RuPay Credit Card India 2026 — Kiwi vs Tata Neu Infinity vs Axis SuperMoney
Last verified June 2026. Best UPI-enabled RuPay credit cards in India 2026 — earn rewards on every UPI scan at small merchants. Updated for the post-MDR-rule 2026 cashback landscape.
The 8 best UPI & RuPay credit cards for India in 2026
1 super.money RuPay (Axis Bank)
Best free card for heavy UPI shop payments, as long as you also put some other spends on it to lift the 3% cap. Spends under ₹100 earn nothing. Full review: super.money RuPay (Axis Bank) review.
2 Kiwi (YES Bank, AU or PNB)
Simple flat cashback on QR payments, paid as Kiwis worth ₹0.25. Monthly cashback is capped at 1% of your credit limit. Full review: Kiwi (YES Bank, AU or PNB) review.
3 Tata Neu Infinity HDFC Bank
Worth it if you shop Tata brands (BigBasket, Croma, Tata CLiQ) and route UPI through Tata Neu. Full review: Tata Neu Infinity HDFC Bank review.
4 slice UPI credit card
Issued by slice Small Finance Bank, works on UPI QR, tap and online with zero forex charges. Check the current cashback terms in the app. Full review: slice UPI credit card review.
5 Scapia Federal Bank (RuPay)
The RuPay variant links to UPI. Pair it with the Visa variant if you travel abroad: no forex markup. Full review: Scapia Federal Bank (RuPay) review.
6 IRCTC HDFC Bank (RuPay)
The RuPay variant works on UPI. Best for regular train travellers. Full review: IRCTC HDFC Bank (RuPay) review.
7 Tata Neu Plus HDFC Bank
Cheaper entry to the Tata Neu programme. Worth it mainly if you shop Tata brands. Full review: Tata Neu Plus HDFC Bank review.
8 HDFC UPI RuPay
Only for existing HDFC credit cardholders: a virtual RuPay card that shares your existing limit. A CashPoint is worth ₹0.25, so the real return is about 0.75% / 0.5% / 0.25%. Full review: HDFC UPI RuPay review.
Head-to-head comparison
| Card | Fee | Headline Rate |
|---|---|---|
| super.money RuPay (Axis Bank) | ₹0 (lifetime free) | 3% on UPI scan-and-pay via super.money (capped at your 1% cashback on other spends), 1% elsewhere |
| Kiwi (YES Bank, AU or PNB) | ₹0 (lifetime free) | 1.5% on UPI scan-and-pay, 0.5% online |
| Tata Neu Infinity HDFC Bank | ₹1,499 + GST (waived on ₹3 lakh) | 1.5% NeuCoins on UPI via the Tata Neu UPI ID (cap 500 a month), 0.5% on other UPI apps, 5% on Tata brands |
| slice UPI credit card | ₹0 (no joining or annual fee) | Up to 3% cashback as advertised by slice, plus weekly deals |
| Scapia Federal Bank (RuPay) | ₹0 (lifetime free) | 5% in Scapia Coins on transactions of ₹500+ |
| IRCTC HDFC Bank (RuPay) | ₹500 + GST (waived on ₹1.5 lakh) | 5 pts per ₹100 on IRCTC bookings |
| Tata Neu Plus HDFC Bank | ₹499 + GST (waived on ₹1 lakh) | Up to 1% on RuPay UPI (0.25% on any UPI ID plus 0.75% via the Tata Neu UPI ID, cap 500 NeuCoins a month), 2% on Tata brands |
| HDFC UPI RuPay | ₹99 + GST (waived on ₹25,000) | 3% CashPoints on groceries, dining and PayZapp, 2% on utilities, 1% elsewhere (each capped at 500 a month) |
Sources & references
All fees and reward rates verified against issuer official T&C pages as of June 2026. Reward programmes change frequently — confirm with the issuer before applying.
UPI credit cards side by side (checked October 2026)
Only RuPay credit cards can be linked to UPI. Rewards on UPI are often lower or capped compared with card swipes, so check the UPI rate, not the headline rate. Most cards exclude rent, wallet loads, fuel and utilities on UPI as well.
| Card | Fee with GST | UPI scan-and-pay rate | Other spends |
|---|---|---|---|
| super.money RuPay (Axis) | ₹0 | 3% (capped) | 1% |
| Kiwi | ₹0 | 1.5% | 0.5% (online UPI) |
| Tata Neu Infinity HDFC | ₹1,769 (waived on ₹3 lakh) | 1.5% via Tata Neu UPI ID, 0.5% other apps | 1.5%, 5% on Tata brands |
| slice UPI | ₹0 | Up to 3% (as advertised) | Check current terms |
| Scapia (RuPay) | ₹0 | 5% Coins on ₹500+ | 5% Coins on ₹500+ |
| Tata Neu Plus HDFC | ₹589 (waived on ₹1 lakh) | Up to 1% (via Tata Neu UPI ID) | 1%, 2% on Tata brands |
| HDFC UPI RuPay | ₹117 (waived on ₹25,000) | About 0.25–0.75% in real value | About 0.25% |
| IRCTC HDFC (RuPay) | ₹590 (waived on ₹1.5 lakh) | Check current terms | 5 pts per ₹100 on IRCTC |
How we picked
We checked each RuPay card reviewed on CreditSmart against its issuer’s October 2026 terms, dropped cards that are no longer issued or whose availability we could not confirm, and ranked the rest on what you actually earn when paying by UPI QR at a shop, after caps, plus the fee you need to clear.
How RuPay credit cards on UPI work
A RuPay credit card can be linked to UPI apps and used to pay any merchant QR code — the money comes from your card’s credit limit, not your bank account. Only RuPay credit cards can be used on UPI; Visa and Mastercard cards cannot. Person-to-person transfers are not allowed.
Rewards and fees in 2026
- NPCI’s 2024 rule requires that rewards on RuPay credit card UPI spends are not lower than on regular card swipes, except on low-value payments where the issuer earns no interchange.
- From 15 October 2026, merchants pay a 0.4% fee (capped at ₹300) on select UPI merchant payments above ₹2,000 under NPCI’s September 2026 circular. Customers are not charged; payments of ₹2,000 or less carry no fee.
- Issuers still exclude categories such as rent, fuel, wallet loads and government payments — check the card’s terms.
Worked example
Paying ₹15,000 a month at small shops by UPI on a card earning 1% gives about ₹1,800 a year — rewards you would not get paying from your bank account — plus up to 50 days of interest-free credit. Paying in full each month is essential: card interest at 36–45% a year applies to UPI spends too.
More detail in RuPay credit card on UPI.
Reviewed October 2026. Card features change often — confirm current terms on the issuer’s site before applying.
FAQs
Will I be charged for paying by credit card on UPI?
No. The 0.4% MDR from 15 October 2026 is paid by merchants, and only on select payments above ₹2,000.
