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Best RuPay credit cards for UPI (2026)

RuPay credit cards can be linked to UPI apps, so scan-and-pay spends earn rewards too. Here's what each returns on UPI payments.

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The top picks

Yes Bank Kiwi (Klick RuPay)

1.5% on UPI scan & pay (RuPay); lifetime free

UPI payments: 1.5% UPI scan & pay (1.5%)
Annual fee: No annual fee

HDFC Bank Tata Neu Infinity

5% on Tata Neu brands (BigBasket, Croma, Tata CLiQ); 1.5% on UPI

UPI payments: 0% no rewards
UPI payments via Tata Neu: 1.5% UPI (0.5% + 1% via Tata Neu UPI ID) · bonus capped at 500 points a month
Annual fee: ₹1,499 a year (waived on ₹300,000 spend a year)

Rates are the return per ₹100 spent, with points valued at each card's best redemption (usually transfer to airline or hotel partners); gift-card redemptions are worth less. Caps limit how much spend earns the top rate. Ranked by Cardology; card details last checked 2026-10-18.

Not sure which one fits you?

A card that wins on one category can lose overall once you add the rest of your spends and the annual fee. Tell Cardology roughly what you spend and it works out the best card, or pair of cards, for you.

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Questions

How do I know which card is best for me?

Your best card depends on all your spends together, not one category. Cardology's free chat compares cards on your own numbers, including cards you already have, in about a minute.