There are a lot of changes happening in the credit card world. Nowadays people are looking for UPI credit cards and RuPay credit cards as digital payments for their needs. These cards make transactions easier everywhere and come with some extra perks. In this article, we’ll break down the best UPI and RuPay credit cards of 2025, their features, benefits, and why you should consider getting one
If you’re new to credit cards, check out our Best Credit Cards for Beginners guide to find the right card for your needs.
What is a UPI credit card?
A UPI credit card is a type of credit card that can be directly linked to India’s Unified Payments Interface (UPI), allowing users to make transactions through UPI apps like PhonePe, Google Pay, and Paytm using their credit limit. Unlike traditional credit cards that rely on POS machines or online gateways, UPI credit cards can be used for QR code-based transactions and the UPI scan-and-pay method seamlessly.
Difference Between Regular Credit Cards and UPI Credit Cards
- UPI credit cards allow transactions via UPI, making them more versatile.
- Regular credit cards require PoS machines or online payment gateways.
- UPI credit cards eliminate the need for a physical card in many transactions.
How Does a UPI Credit Card Work?
- Users link their credit card to their UPI app.
- Instead of using a debit card or bank account, payments are deducted from the credit limit.
- Payments can be made using a QR code scan or UPI ID.
Benefits of UPI Credit Cards
- Seamless UPI transactions with a credit limit.
- No need for a physical card at local merchants.
- Cashback and rewards on UPI transactions.
- Interest-free period, just like traditional credit cards.
- Wide merchant acceptance due to UPI’s dominance in India.
- Instant Payments: Use credit directly via UPI apps like Google Pay, PhonePe, and Paytm.
- No PoS Dependency: Use your UPI credit card for QR-based payments anytime, anywhere.
- Security: Enhanced security with two-factor authentication and UPI PIN.
If you’re looking for a card with zero fees, check our guide on Lifetime Free Credit Cards in India.
What is a RuPay credit card?
A RuPay credit card is an Indian domestic credit card launched by the National Payments Corporation of India (NPCI). It is designed to offer lower transaction fees and high acceptance across the country.
These cards are accepted at POS machines, ATMs, and online platforms just like Visa and Mastercard credit cards.
Government Support for RuPay Credit Cards
- The Indian government actively promotes RuPay cards to boost domestic financial inclusion.
- RuPay credit cards offer exclusive discounts on railway bookings, utility bill payments, and more.
- Increasing international acceptance with partnerships across global payment networks.
How Does a RuPay Credit Card Work?
- It works similarly to Visa and Mastercard credit cards but is designed specifically for India.
- Can be used for online shopping, POS payments, and ATM withdrawals.
- Some RuPay credit cards can be linked to UPI for direct payments.
Benefits of RuPay Credit Cards
- Lower transaction fees compared to Visa/Mastercard.
- Domestic acceptance across Indian merchants.
- Government-backed benefits, including discounts on fuel, railway bookings, and insurance.
- Linking with UPI for easier transactions.
- High security with domestic processing of transactions.
Key Differences Between UPI Credit Cards and RuPay Credit Cards
1. Payment Network & Compatibility
| Feature | UPI Credit Card | RuPay Credit Card |
|---|---|---|
| Payment Network | Works via UPI apps | Works via RuPay network |
| Compatibility | UPI QR codes & UPI IDs | POS machines & online portals |
| Bank Requirement | Must be linked to a bank’s UPI app | Works with all banks offering RuPay cards |
2. Transaction Mode
- UPI credit cards allow payments via UPI apps.
- RuPay credit cards work like regular credit cards, with POS, online, and ATM access.
3. Rewards & Cashback Offers
- UPI credit cards offer cashback on UPI transactions.
- RuPay credit cards provide government-backed offers, especially on domestic spending.
4. International Usage & Acceptance
| Feature | UPI Credit Card | RuPay Credit Card |
| International Usage | Limited to India | Limited, but some premium RuPay cards work internationally |
| Acceptance Abroad | Not available | Available with select RuPay Global cards |
5. Fees and Charges
- UPI credit cards may have zero or low fees for UPI transactions.
- RuPay credit cards have lower transaction fees than Visa or Mastercard.
- Interest rates and late fees are similar across both card types.
6. Security & Fraud Protection
- UPI credit cards use multi-layered security via UPI PINs.
- RuPay credit cards offer enhanced security since transactions are processed domestically.
Which One Should You Choose?
Choosing between a UPI credit card and a RuPay credit card depends on your spending habits.
Who Should Get a UPI Credit Card?
✅ Frequent UPI users who prefer scan-and-pay options.
✅ Those who want instant UPI payments without using a bank account.
✅ People looking for cashback on UPI transactions.
Who Should Get a RuPay Credit Card?
✅ Users who prefer traditional credit card usage.
✅ Those who need POS, online, and ATM access.
✅ People who travel within India and want government-backed benefits.
Which One Should You Choose?
Choosing between a UPI credit card and a RuPay credit card depends on your spending habits.
Who Should Get a UPI Credit Card?
✅ Frequent UPI users who prefer scan-and-pay options.
✅ Those who want instant UPI payments without using a bank account.
✅ People looking for cashback on UPI transactions.
Top 5 Best UPI Credit Cards in 2025
1. HDFC UPI Credit Card
- Features: High cashback on UPI transactions, reward points, and zero annual fees for the first year.
- Best For: Regular UPI users looking for maximum rewards.
2. SBI UPI Credit Card
- Features: 5% cashback on select merchants, contactless payments, and easy EMI conversion.
- Best For: Individuals with high digital spending.
3. ICICI Bank UPI Credit Card
- Features: low-interest rates, dining and travel benefits, and free airport lounge access.
- Best For: Travelers and food lovers.
4. Axis Bank UPI Credit Card
- Features: Up to 2% cashback on all UPI payments, no-cost EMI options, and insurance cover.
- Best For: Frequent spenders and EMI buyers.
5. Kotak UPI Credit Card
- Features: zero annual fees, high reward points, and a fuel surcharge waiver.
- Best For: Budget-conscious users who want a no-frills card.
Who Should Get a RuPay Credit Card?
✅ Users who prefer traditional credit card usage.
✅ Those who need POS, online, and ATM access.
✅ People who travel within India and want government-backed benefits.
Top 5 Best RuPay Credit Cards in 2025
1. SBI RuPay Credit Card
- Features: Discounts on railway bookings, fuel surcharge waivers, and free accidental insurance.
- Best For: Frequent travelers.
2. PNB RuPay Credit Card
- Features: Cashback on bill payments, grocery shopping, and e-commerce transactions.
- Best For: Daily expenses and bill payments.
3. Bank of Baroda RuPay Credit Card
- Features: special discounts at partner merchants, contactless payments, and flexible EMIs.
- Best For: Retail shoppers and online buyers.
4. Union Bank RuPay Credit Card
- Features: High cashback on government services, insurance premium discounts, and premium security features.
- Best for: Government employees and service payers.
5. IDFC RuPay Credit Card
- Features: interest-free cash withdrawals, a lifetime free card, and up to 10x reward points on spending.
- Best For: Users who prefer low-cost transactions with high rewards.
How to Choose the Best UPI or RuPay Credit Card?
Before selecting a card, consider the following factors:
- Annual Fees: Opt for a card with zero or minimal annual fees.
- Rewards & Cashback: Compare the benefits offered on transactions.
- Acceptance: Ensure it is accepted at the merchants you frequently use.
- Security Features: Look for fraud protection and insurance covers.
How to Apply for a UPI or RuPay Credit Card?
Step-by-Step Process:
- Check Eligibility: Age, income, and credit score requirements.
- Choose a Bank: Compare different bank offerings.
- Submit documents: PAN, Aadhaar, income proof, and address proof.
- Online or Offline Application: Apply via the bank’s website or branch.
- Approval & Card Issuance: Once approved, the card will be dispatched within a few days.
Want to maintain a high credit score? Learn the Best Day to Pay Credit Card Bill for an 800 Credit Score.
Conclusion
UPI and RuPay credit cards are revolutionizing digital payments in India. UPI credit cards provide seamless QR-based payments, while RuPay credit cards offer affordability and exclusive benefits. Depending on your spending habits, you can choose the one that best fits your needs. Whether you prioritize cashback, security, or domestic transactions, there’s a perfect card waiting for you!
Using a credit card smartly is key to financial health. Read our Simple Guide to Credit Utilization to maximize your benefits while avoiding debt traps.
Support us by searching bankerage.in on Google and clicking on the First link.
FAQs
1. Which is better: a UPI credit card or a RuPay credit card?
It depends on your usage. If you frequently use UPI for payments, a UPI credit card is better. If you prefer a low-cost domestic credit card, then RuPay is a great option.
2. Can I use a UPI credit card for international transactions?
No, UPI credit cards are mainly for domestic UPI transactions. However, you can use the same card for international payments if it supports Visa or Mastercard networks.
3. Are RuPay credit cards accepted outside India?
Yes, RuPay has partnered with Discover, JCB, and Diners Club, making it usable in select countries.
4. What are the eligibility criteria for getting a UPI credit card?
You need a stable income, a good credit score (650+), and must meet the bank’s age and income requirements.
Most UPI credit cards have transparent fee structures. However, always check for annual fees, interest rates, and late payment charges before applying.
Disclaimer
The content provided on Bankerage.in is for informational purposes only and does not constitute financial, investment, or legal advice. The views and opinions expressed on this site are those of the author and are based on personal research, experience, and interpretation. While I strive to ensure the accuracy of the information shared, financial markets are subject to change, and I cannot guarantee the completeness or timeliness of the content.Readers are encouraged to conduct their own research or seek professional advice before making any financial decisions. Bankerage.in will not be held responsible for any losses or damages resulting from the use or reliance on the information provided on this blog.
By accessing and using this site, you acknowledge and agree to the terms of this disclaimer.
2 thoughts on “Best UPI Credit Card | Best Rupay Credit Card in 2025”