Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
5% NeuCoins on eligible non-EMI partner Tata brand purchases
Annual fee: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend)
Best RuPay credit cards for UPI in India
CardIQ’s sourced shortlist of 12 rupay and upi credit cards in India, with fees, benefits and important trade-offs to verify.
How to choose
Check UPI eligibility, merchant restrictions, reward exclusions, caps and the issuing bank behind each RuPay card.
This is an editorial shortlist, not a personalised recommendation or approval ranking. Eligible cards are ordered by the completeness of their maintained sources and decision-critical details—not from best to worst. No issuer can pay to improve its position.
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
2% NeuCoins on eligible non-EMI partner Tata brand purchases
Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)
CheQ AU
AU Small Finance Bank
24 CheQ points per ₹200 on eligible partner-brand and CheQ-app purchases
Annual fee: No annual fee
Paytm AU
AU Small Finance Bank
2 reward points per ₹100 on eligible Paytm UPI purchases of ₹100–₹2,000
Annual fee: No annual fee
PhonePe SBI Card PURPLE
SBI Card
3 points per ₹100 on eligible PhonePe categories; 2 per ₹100 on eligible online spends; 1 per ₹100 on other eligible spends
Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)
PhonePe SBI Card SELECT BLACK
SBI Card
10 points per ₹100 on eligible PhonePe categories; 5 per ₹100 on eligible online spends; 1 per ₹100 on other eligible spends
Annual fee: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend)
Reliance SBI Card PRIME
SBI Card
20 points per ₹100 on AJIO/JioMart online; 10 at other participating Reliance stores; 2 on other eligible purchases
Annual fee: ₹2,999 + GST (waived on ₹3 lakh eligible annual spend)
Tata Neu Infinity SBI Card
SBI Card
5% NeuCoins on eligible Tata brand purchases; 1.5% on other eligible purchases including UPI
Annual fee: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend)
Tata Neu Plus SBI Card
SBI Card
2% NeuCoins on eligible Tata brand purchases; 1% on other eligible purchases including UPI
Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)
Reliance SBI Card
SBI Card
10 points per ₹100 on AJIO/JioMart online; 5 at other participating Reliance stores; 1 on other eligible purchases
Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)
Scapia Axis Bank
Axis Bank
4% travel redemption value on eligible Scapia-app flight, hotel and bus bookings
Annual fee: No annual fee
Google Pay Flex Axis Bank
Axis Bank
1 Star per cumulative ₹500 of eligible spending
Annual fee: No annual fee; fees currently waived per issuer page
Check before applying
- Confirm the current fee, waiver threshold and applicable GST.
- Check reward caps, excluded transactions and redemption value.
- Open the card page to review dated issuer sources and CardIQ’s trade-offs.