The way we manage and spend money is constantly changing in today’s fast-paced digital economy, so it’s important to combine traditional banking tools with new payment technologies. One of these breakthroughs is Unified Payments Interface (UPI), which has transformed ease and security of transactions in India. People now have an even smoother payment experience thanks to UPI credit cards that bring together the benefits of credit cards with instant, hassle-free UPI transactions.
A single mobile platform allows UPI, developed by the National Payments Corporation of India (NPCI), to link bank accounts for quick direct payments from banks. Integrating credit cards into this system makes it more flexible and convenient because users can now use their credits for debit card or bank account balance only services before then simplifying payments while expanding credit card acceptance among wider range service providers merchants accepting UPI payments also included.
Comprehension of UPI and Credit Cards
For India, the introduction of the Unified Payments Interface (UPI) has been a game-changer in terms of digital transactions by providing a strong and simplified payment solution. It allows people to instantly transfer money between bank accounts using a mobile application without having to enter long bank account details or IFSC codes.
What is UPI?
Unified Payments Interface (UPI) is an abbreviation for Unified Payments Interface, which is a system designed to combine multiple banking services, seamless fund routing, and merchant payments into one platform. Any bank account can be linked to a unique UPI ID created by users through National Payments Corporation of India (NPCI), thereby enabling instant transactions.
Rupay Credit Cards for UPI

Right now, you can only link RuPay credit cards with the Unified Payments Interface (UPI). This allows consumers to use their RuPay card for making UPI transactions. Many popular apps such as BHIM, PhonePe, Paytm and Amazon Pay have already incorporated this feature into their systems. Presently, only the RuPay credit card can be linked to UPI but there is still a limit on how much money one can spend per day based on ones’ available credit limit.
Rupay UPI Credit Card Variants:
The RuPay network has many types of credit cards that are made for different consumers’ needs and preferences. Below are the main types of RuPay credit cards based on the information given.
RuPay Classic Credit Card
The RuPay Classic card offers basic credit card services with extra benefits. It gives exclusive discounts at merchant terminals all over India and on various online sites. This is an everyday use card which can be used by a large number of people in general.
RuPay Platinum Credit Card
Platinum variant is created for those users who want some advanced features in their usage. It brings good welcome gifts from multiple brands, cashback on dining, utility bill payments along with personal accident cover up to 2 lakhs INR. Additionally it provides offers at both online and physical merchant terminals including 24/7 concierge assistance for travel planning.
RuPay Select Credit Card
Being a premium card, RuPay select offers unique lifestyle benefits designed for high-end users. Some major offerings include free domestic/international lounge access, round the clock concierge service for travel / entertainment / dining etc., free accident insurance cover upto Rs10 lakh INR
How do Credit Cards Integrate with UPI?
The use of credit cards in traditional times was mostly done through swiping machines for transactions or entering card details during online payments. However, with credit cards integrated with UPI, individuals can now make payments directly on the UPI app using their credit cards. This approach brings together benefits such as borrowing capacity and rewards associated with credits along with wider acceptability coupled simplicity offered by UPI.
Key Benefits of Linking Credit Cards with UPI:
- Quick Transactions: Convenience is improved when payments take only seconds to complete.
- High Safety Standards: Additional protection is provided through requiring PIN while transacting via UPI.
- More Acceptance: Beyond the traditional boundaries of use by credit card holders; this means that they can now utilize their cards anywhere in India where merchants have adopted this technology thanks to its widespread acceptance across different points countrywide.
What to Consider When Choosing a UPI Credit Card
Choosing the right UPI credit card requires knowing what factors can affect your overall financial health and convenience. Here are some of them:
Rewards and Benefits
- Cash Back Offers: Some cards give back money on transactions made, which could help save on daily expenses.
- Reward Points: Seek for those that offer points that can be exchanged into gifts, vouchers or air miles.
- Discounts: They provide savings opportunities by giving reductions in prices charged after meals out; shopping trips etcetera therefore lowering one’s expenditure level
Fees and Charges
- Annual Fee: There is an annual fee charged on certain UPI credit cards but it may be waived if spending reaches a certain limit.
- Foreign Transaction Fees: These come into play when people buy things from other countries through websites or go abroad for vacations/ business trips hence attracting higher charges than normal rates would apply locally
- Late Payment Charges: Knowing what penalties apply for late payments helps avoid unnecessary spending in terms of fines imposed due to delays encountered while settling amounts owed promptly.
Interest Rates and Credit Limits
- Interest Rates: The rate at which interest accumulates on outstanding balances must be competitive with other financial institutions’ offerings around
- Credit Limit: This is the maximum amount you can spend using your credit card determined by various factors including income level, previous loan repayment records among others.
Security Features and Customer Support
- Security: A good credit card should have security measures such as one-time password (OTP) verification during transactions plus fraud detection systems in place to safeguard against unauthorized usage or access of personal details like PIN numbers etcetera by outsiders who might want them for malicious activities like draining funds held under this account type illegally without consent from rightful owner(s).
- Customer Support: Availability of efficient customer service is vital in helping deal with any issues arising out of queries surrounding usage or loss/theft cases related to credit cards because it saves time taken before those concerns are resolved amicably.
These factors are crucial in determining which UPI credit card suits your financial needs and lifestyle. Taking into account these aspects will enable you to select a card that not only provides convenience but also adds value to one’s financial management abilities thus improving overall economic well-being.
Top 15 Rupay UPI Credit Cards in India in 2024
Credit Card | Joining Fee | Key Features |
---|---|---|
Axis IOCL RuPay Credit Card | Rs. 500 | Offers benefits on fuel purchases |
Edge CSB Bank RuPay Credit Card | Nil | No joining fee; benefits on daily purchases |
HDFC RuPay Shoppers Stop Credit Card | Nil | Rewards on shopping at Shoppers Stop |
BOB HPCL RuPay Credit Card | Rs. 499 + GST | Cashback on HPCL fuel stations |
ICICI Bank HPCL Super Saver RuPay Credit Card | Rs. 500 + GST | Benefits on fuel and accelerated rewards on all other spends |
IDFC First Power Plus RuPay Select Credit Card | Rs. 199 | Lower fee; high rewards on utility and shopping |
IndianOil HDFC Bank Credit Card | Rs. 500 | Fuel surcharge waiver, reward points on fuel purchases |
IRCTC SBI RuPay Credit Card | Rs. 500 + GST | Benefits on railway ticket bookings |
Kotak Metro Cash & Carry | Nil | No fee; benefits for shopping at Metro Cash & Carry |
Union Bank RuPay JCB Wellness Credit Card | Rs. 999 | High joining fee with premium wellness benefits |
Tata Neu Infinity HDFC Bank Credit Card | Rs. 1,499 + taxes | Premium card with extensive benefits across the Tata ecosystem |
HDFC MoneyBack+ RuPay Credit Card | Rs. 500 + taxes | Cashback on all online spends |
IndusInd Platinum RuPay Credit Card | Nil | No joining fee; includes comprehensive insurance benefits |
ICICI Coral RuPay Credit Card | Rs. 500 + GST | Benefits on dining and movies |
Federal Bank RuPay Signet Credit Card | Rs. 750 | Mid-range fee; benefits include entertainment and lifestyle rewards |
Frequently Asked Questions
What is a UPI Credit Card?
UPI i.e. Unified Payment Interface is a technology that enables fast sending and receiving of money.
Can a credit card be used on UPI?
If you have a RuPay credit card, it can be linked with various UPI apps for making transactions using the Unified Payments Interface.
Which are the apps that allow linking credit cards on UPI?
BHIM, PhonePe, GPay, Paytm, MobiKwik, ICICI iMobile and many more apps allow you to link RuPay Credit Cards on UPI.
Which banks support credit cards on UPI currently?
Punjab National Bank, HDFC Bank, Axis Bank and SBI Cards among others support the linking of RuPay Credit Cards on UPI.
Is there any transaction limit for using credit card on UPI?
Yes, there is a transaction limit of Rs. 1 lakh per day and upto Rs. 2 lakh for some special MCCs (Merchant Category Codes) subject to available limit in the card.
Can I link my Visa/Mastercard credit card to UPI?
No. Only RuPay Credit Cards can be linked with UPI as of now. Visa or Mastercard Credit Cards are not supported.
What does it cost to join a RuPay credit card?
The joining fees for RuPay credit cards differ from issuer to issuer and also with the type of card. For example, Axis IOCL RuPay Credit Card charges INR 500 as its joining fee while there are some like Edge CSB Bank RuPay Credit Card which do not charge anything at all.
Is there any RuPay credit card that gives benefits on fuel purchase?
Yes, there are several RuPay credit cards that have benefits on fuel. Some of them include cashback offers and other rewards specifically designed for spending money at petrol pumps such as Axis IOCL RuPay Credit Card or ICICI Bank HPCL Super Saver RuPay Credit Card.
Which online shopping is best for HDFC Rupay shopper stop credit card?
HDFC Rupay Shopper Stop Credit Card is ideal if you frequently shop online because it provides special rewards and privileges when used at Shoppers Stop outlets across India. Apart from this, there are other cards too available which offer cashbacks on spends done over internet like HDFC MoneyBack+RuPay Credit Card among others.
Are there any annual fees associated with having a RUPAY cc?
Yes, some of them don’t charge an annual fee like Edge CSB Bank RuPay Credit Card or Kotak Metro Cash & Carry and few more.
What benefits come with the RUPAY SELECT CC?
The Select offers premium facilities such as free access to domestic/international lounges, round-the-clock concierge service along with large insurance coverage which makes it perfect for frequent flyers or those seeking luxury services.
Quick Links
NPCI Approved Rupay UPI Credit Cards | Check Here |