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Best RuPay credit cards for UPI in 2026

RuPay credit cards link to UPI apps, so you can scan any QR code and pay on credit. Many are lifetime free, which makes them a strong first card.

See the top 10 โ†’Personal match in 30 sec
โœ“ Every apply link checked by handโœ“ Rankings never use commissionโœ“ No calls, no spam โ€” we never ask for your numberโœ“ Links last verified 5 Oct 2026How we pick โ†’
  3. 3

    Indian Overseas Bank

    IOB Zet FD Credit Card

    Lifetime free
    • Zero Joining, Annual Or Renewal Fee For Life
    • FD-Backed Card That Lets Your Deposit Earn Up To 7% Interest While Building Your Credit Score
    • 2% Cashback On UPI Transactions, No Income Proof Required
    Apply โ†’Details
  4. 4

    Kiwi

    Kiwi Credit Card

    Lifetime free
    • Lifetime Free โ€” No Joining Or Annual Fee
    • RuPay Card You Link To Any UPI App And Pay By QR On Credit
    • Rewards On Every UPI Transaction Via The Kiwi App
    • Issued With Axis Bank / Yes Bank, Managed Fully In-App
    Apply โ†’Details
  9. 9

    PNB / Zaggle

    PNB Zaggle Twin Credit Card

    โœˆ Lounge
    • Two Cards, One Account: Visa And RuPay On A Single Credit Limit
    • โ‚น499 Joining Fee, Waived On โ‚น1.5 Lakh Annual Spend
    • RuPay Variant Adds Airport Lounge Access Plus โ‚น10 Lakh Accident Cover
    Apply โ†’Details

Before you apply โœ…

  • Link the card in your UPI app (Google Pay, PhonePe, Paytm or the bank's app).
  • Some merchants and small payments may earn lower or no rewards.
  • UPI on credit still counts toward your card bill โ€” pay it in full.

Questions

Can I use any credit card on UPI?

Only RuPay credit cards can be linked to UPI today.

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Ranked by how well each card's stated benefits match this need โ€” never by commission. How we pick cards. Some links are affiliate links; we may earn a commission at no cost to you. Fees and benefits are set by the bank and can change.