UPI Credit Cards & RuPay Card Finder – Free Online Tool India 2026
Find RuPay credit cards eligible for UPI payments in India. Filter by UPI app, issuer, fee type, and cashback. Works with BHIM, PhonePe, Google Pay, and Paytm.
How RuPay Credit Cards Work on UPI
- 1.Only RuPay credit cards can be linked to UPI apps. Visa/Mastercard/Amex cannot.
- 2.Link via BHIM, PhonePe, Google Pay, or Paytm under “Credit Card on UPI.”
- 3.Use at any UPI-enabled merchant (QR code scan) — online and offline.
- 4.The transaction is billed to your credit card. Earn rewards per card T&C.
- 5.Interest-free period (45–50 days) applies — effectively free float for arbitrage.
Filter Cards
UPI App
Issuer
4 RuPay Credit Cards Found
Axis MyZone RuPay
RuPayLifetime FreeAnnual Fee
Free
UPI Rewards
1% cashback on all UPI scan & pay
Compatible Apps
BHIM, PhonePe, Google Pay, Paytm
- •Lifetime free
- •BOGO movie tickets (District app)
- •₹120 off Swiggy 2x/month
- •Free SonyLiv Premium (₹1,499/year)
- •1 lounge visit/quarter on ₹50K spend
Best for: Entertainment + UPI rewards at zero cost
Apply for Axis MyZone RuPayAxis Neo RuPay
RuPayLifetime FreeAnnual Fee
Free
UPI Rewards
1% on UPI + 10% on Swiggy/Zomato
Compatible Apps
BHIM, PhonePe, Google Pay, Paytm
- •Lifetime free
- •10% cashback on Swiggy, Zomato, BigBasket (cap ₹100/month)
- •4 Edge RP per ₹200 on other spends
- •Good starter card for first-time UPI credit users
Best for: First-time credit card users wanting UPI + food delivery cashback
Apply for Axis Neo RuPayAxis IOCL RuPay
RuPayFuel ⛽Annual Fee
₹500 (waived ₹1,50,000/year)
UPI Rewards
1% on UPI + 4% on IOCL fuel
Compatible Apps
BHIM, PhonePe, Google Pay, Paytm
- •4% cashback on IOCL fuel
- •1% on all other transactions including UPI
- •UPI scan & pay at fuel stations
- •1% fuel surcharge waiver
- •Fee ₹500 waived at ₹1.5L spend
Best for: IOCL fuel users who want UPI payments at fuel stations
Apply for Axis IOCL RuPayHDFC Bank RuPay Credit Card
RuPayAnnual Fee
₹500 (waived ₹50,000/year)
UPI Rewards
1% on UPI transactions
Compatible Apps
BHIM, PhonePe, Google Pay
- •HDFC trust + RuPay UPI eligibility
- •1% cashback on UPI spend
- •Fuel surcharge waiver
- •HDFC customer service support
Best for: Existing HDFC customers wanting UPI credit card
Apply for HDFC Bank RuPay Credit Card💡 RuPay UPI Arbitrage Opportunity
Link Axis MyZone RuPay to PhonePe. Pay all offline purchases via UPI scan. Your credit card gives 45-day interest-free period. Park that money in a liquid fund earning 7.5%/year. At ₹20,000/month UPI spend: extra ₹5,625/year from float alone — on top of UPI cashback.
Calculate My Arbitrage →FAQs — UPI Credit Cards India 2026
Can I use a credit card for UPI payments in India?
Yes, but only RuPay credit cards. NPCI enables RuPay credit card-on-UPI for BHIM, PhonePe, Google Pay, and Paytm. Visa, Mastercard, and Amex cannot be used on UPI.
Which banks offer RuPay credit cards for UPI in India 2026?
Axis Bank (MyZone RuPay, Neo RuPay, IOCL RuPay), HDFC Bank (RuPay variant), and many public sector banks. Axis Bank has the most feature-rich RuPay UPI credit cards.
Do RuPay credit cards earn rewards on UPI transactions?
Axis MyZone RuPay earns 1% cashback on UPI scan & pay. Axis Airtel earns 1% on all including UPI. Check your card T&C to confirm reward eligibility on UPI.
Is there a limit on UPI transactions via RuPay credit card?
NPCI UPI limit per transaction is ₹1 lakh. Your card's regular credit limit and billing cycle apply. No additional fees for UPI transactions on most RuPay credit cards.