🥇 Best·Yes·RuPay
YES Bank ZAGG Credit Card
3.0% back on UPI as Reward Point.
₹60
on ₹2,000
Best card for UPI spends.
Credit card on UPI is now 38–40% of all credit card transactions in India. Most cards earn nothing here. The few RuPay-enabled cards that do pay 1–5% back — pick a merchant and see which one wins for your spend.
Best card for UPI QR (any merchant) via UPI
YES Bank ZAGG Credit Card
On ₹2,000 of UPI spend you earn ₹60 (3.0% back).
#2·Axis·RuPay
Axis Bank ACE
2.0% back on UPI as Cashback.
₹40
on ₹2,000
#3·ICICI·RuPay
ICICI Bank RuPay Credit Card
2.0% back on UPI as Reward Point.
₹40
on ₹2,000
#4·HDFC
HDFC Millennia
1.0% back on UPI as CashPoint.
₹20
on ₹2,000
#5·HDFC·RuPay
IRCTC HDFC Bank Credit Card
1.0% back on UPI as Reward Point.
₹20
on ₹2,000
#6·SBI·RuPay
BPCL SBI Card
1.0% back on UPI as Reward Point.
₹20
on ₹2,000
Tracking 6 of 24 cards with UPI reward rates. UPI/RuPay coverage is expanding — check back as more issuers enable credit-card-on-UPI.
Why a separate UPI card matters
Your daily UPI QR scans at the chai stall, Kirana store, and auto don't earn rewards on a Visa/Mastercard credit card — those rails don't accept credit cards yet. RuPay credit cards do. The difference is ₹0 vs ₹2–5 back per ₹100 of UPI spend.
Caps and exclusions
Most RuPay UPI cashback is capped per cycle (₹500–₹2,000/month). UPI on rent, wallet top-ups, or government payments typically doesn't earn — same exclusions as the regular card. Verify the card's reward terms before swiping for ₹50K+ on UPI.