With UPI revolutionizing payments in India, more credit cards now integrate with UPI, especially those issued on the RuPay network. UPI-enabled RuPay credit cards allow users to enjoy the flexibility of UPI payments while earning credit card rewards. This blend of convenience and rewards is ideal for users looking to maximize the benefits of credit-based UPI transactions. Here’s a roundup of some of the best UPI-compatible RuPay credit cards you should consider.

HDFC Bank RuPay Credit Card

Features:

• Supports UPI transactions for hassle-free payments.
• Earn 5% cashback on groceries and fuel.
• 1 reward point per ₹150 spent on other categories.

Benefits:

• Access to domestic lounges, making it a great travel companion.
• Zero annual fee if spends exceed ₹1 lakh per year.
• Fuel surcharge waiver of 1%.

Who Should Apply? This card is perfect for individuals who want a reliable credit card with standard rewards and UPI compatibility for everyday expenses.

ICICI Bank RuPay Coral Credit Card

Features:

• Accepts UPI payments, making transactions seamless at any merchant accepting UPI.
• Earn 2 PAYBACK points per ₹100 spent on retail purchases except fuel.

Benefits:

• 25% discount on movie tickets booked via BookMyShow.
• Complimentary domestic lounge access at select airports.
• Waived annual fee if yearly spends cross ₹1.5 lakh.

Who Should Apply? The ICICI RuPay Coral Card is a solid choice for those who enjoy dining and movies, as well as frequent travelers who value airport lounge access.

Axis Bank RuPay Credit Card

Features:

• UPI-enabled, allowing users to pay conveniently with UPI for everyday transactions.
• Earn 5 EDGE reward points per ₹100 spent.

Benefits:

• 1% fuel surcharge waiver at all fuel stations across India.
• Access to monthly dining offers at partner restaurants.
• Exclusive Axis Bank rewards that can be redeemed for gifts, vouchers, and cashback.

Who Should Apply? This card is well-suited for individuals looking to combine UPI convenience with a moderate rewards program, especially useful for dining and fuel spends.

SBI RuPay SimplySAVE Credit Card

Features:

• Integrated with UPI, allowing for quick payments via any UPI app.
• Earn 10 reward points per ₹100 spent on dining, movies, grocery, and department store purchases.

Benefits:

• ₹100 cashback on the first ₹500 spent within the first 30 days.
• 2.5% value back on reward points, making it one of the most rewarding cards in its category.
• Annual fee reversal on yearly spends exceeding ₹90,000.

Who Should Apply? Perfect for people who want a simple, rewards-focused card that supports UPI transactions, especially those who spend significantly on dining and entertainment.

AU Bank InstaPay Credit Card

Features:

• Supports UPI transactions with a high reward rate on UPI spends.
• Earn 2 EDGE reward points per ₹100 spent, with accelerated rewards for dining and shopping.

Benefits:

• 5% cashback on dining and shopping spends, redeemable through UPI-linked transactions.
• No cap on UPI rewards, allowing unlimited earning potential.
• Annual fee of ₹449, waived if yearly spends exceed ₹1 lakh.

Who Should Apply? Great for individuals who make frequent UPI payments and prefer high rewards on their spending, especially for dining and shopping.

IndusInd Bank Platinum Aura Edge Credit Card

Features:

• UPI-enabled credit card that rewards daily transactions.
• Earn 4 reward points per ₹150 spent, with higher rewards on grocery and utility bills.

Benefits:

• Complimentary Priority Pass membership with access to over 600 lounges worldwide.
• Exclusive discounts on dining and lifestyle experiences.
• Annual fee of ₹750, which can be offset by frequent dining and UPI-linked transactions.

Who Should Apply? Ideal for travelers and lifestyle enthusiasts who want a balanced rewards program with the added flexibility of UPI payments.

How to Choose the Best UPI RuPay Credit Card for You

When selecting a UPI-compatible RuPay credit card, consider the following:

1. Spending Pattern: Look at where you spend the most—dining, fuel, travel, or daily transactions—and choose a card that rewards you in those categories.
2. Annual Fees: Ensure the card’s rewards and benefits outweigh the annual fee, especially if you’re looking for a budget-friendly option.
3. UPI Compatibility: Since UPI transactions are increasing in popularity, having a card that supports them adds convenience, especially for everyday expenses.

Why Apply for UPI RuPay Credit Cards Through Easemydeal?

If you’re interested in applying for a UPI-compatible RuPay credit card, consider using Easemydeal. Here’s why:

• Extra ₹500 Cashback: Easemydeal offers an additional ₹500 cashback on approved applications, giving you a nice bonus for choosing a credit card through their platform.
• Comprehensive Comparison: Easily compare cards from all banks, filtering based on features like cashback, reward points, UPI compatibility, and travel benefits.
• Eligibility Check: Quickly see which cards you’re eligible for, saving you time and effort.

Easemydeal streamlines the credit card application process, helping you find the perfect card with just a few clicks. Whether you’re looking for cashback, rewards, or UPI functionality, Easemydeal can help you secure the right card and maximize your benefits.

Conclusion

UPI-compatible RuPay credit cards are a great choice for those looking to combine the convenience of UPI with the benefits of credit. From cashback on everyday expenses to travel rewards and dining discounts, these cards offer a range of perks for different spending patterns. Whether you’re a frequent traveler, a dining enthusiast, or someone who values cashback, there’s a UPI RuPay credit card to suit your needs.

Take advantage of Easemydeal’s extra cashback offer and apply for a UPI RuPay credit card today to start enjoying these benefits!