As UPI transactions gain momentum in today’s economic landscape, they have become one of the most prevalent payment methods accepted across various platforms. Whether it’s purchasing groceries or settling insurance bills, UPI payments offer unparalleled convenience and accessibility.
With its user-friendly interface, secure transactions, and other compelling features, the popularity of UPI continues to soar. One noteworthy advantage is the seamless integration of RuPay credit cards with UPI applications, streamlining the payment process by eliminating the need to repeatedly enter card details such as the card number and CVV.
If you’re wondering which RuPay credit cards stand out as top choices for linking with UPI applications, look no further. Dive into this comprehensive guide to discover the best options available to cater to your needs.
Top RuPay Credit Cards To Link With UPI
While you can connect most credit cards for UPI payments, a few of the best RuPay credit cards stand out. Based on their features and the rewards they offer, these credit cards are now on the top of the list when connecting credit cards with UPI. So, here are the top ones to know:
- IndianOil Axis Bank Credit Card
- HPCL Bank of Baroda ENERGIE Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- ICICI Coral RuPay Credit Card
- IRCTC RuPay SBI card
- IDFC FIRST Power+ Credit Card
- YES Prosperity Rewards Plus Credit Card
- HDFC UPI Rupay Credit Card
1. IndianOil Axis Bank Credit Card
If you’re on the hunt for the premier Axis credit card within the RuPay category, look no further than the Axis Bank RuPay Platinum Credit Card. This card boasts an array of enticing benefits, including cashback perks on utility bill payments, enticing dining discounts, and complimentary access to airport lounges.
Experience the thrill of a 100% fuel cashback offer, capped at ₹250, with the IndianOil Axis Bank Credit Card. Enjoy generous rewards on fuel purchases at IndianOil outlets, online shopping escapades, and everyday expenditures. Revel in the convenience of a 1% fuel surcharge waiver, along with an annual fee waiver granted upon spending exceeding ₹50,000. Additionally, indulge in exclusive discounts on popular platforms like BookMyShow and EazyDiner.
2. HPCL Bank of Baroda ENERGIE Credit Card
The HPCL Bank of Baroda ENERGIE Credit Card stands out as the ultimate BoB credit card, offering a plethora of comprehensive benefits. With this card, you can enjoy substantial savings of up to 5% on fuel purchases at HPCL outlets, making it an ideal choice for frequent drivers. Additionally, indulge in a 25% discount on movie tickets and relish four complimentary domestic lounge visits annually, catering perfectly to your entertainment and travel needs.
Moreover, this card presents the opportunity to accumulate 10 reward points for every ₹150 spent on utilities, groceries, and departmental stores, while earning 2 points for every other purchase, maximizing the value of your everyday spending.
3. Tata Neu Plus HDFC Bank Credit Card
The Tata Neu Plus HDFC Bank Credit Card offers a unique rewards system with NeuCoins. You can earn 2% back as NeuCoins on non-EMI spends with Tata and partner brands. For non-Tata brands and any merchant EMI spends, you get 1% back. The card also provides 1% back on UPI spending up to 500 NeuCoins per month.
Download the Tata Neu App for a 5% back on select categories. Enjoy four complimentary domestic lounge accesses annually and a 1% fuel surcharge waiver on transactions between ₹400 and ₹5000. As a welcome benefit, get 499 NeuCoins as a reversal of your first-year membership fee on your first transaction within 30 days. This card is the best HDFC credit card in the RuPay category for various benefits.
4. ICICI Coral RuPay Credit Card
The Coral RuPay Credit Card from ICICI stands as one of the premier options, providing a versatile array of rewards and lifestyle benefits. With this card, earn 2 reward points for every ₹100 spent, excluding fuel purchases, and 1 point for utilities and insurance expenditures. Participate in the Milestone Rewards program to earn up to 10,000 points annually.
Experience the luxury of quarterly complimentary access to select airport and railway lounges. Enjoy a 25% discount on BookMyShow & Inox for two movie tickets twice a month. Benefit from a ₹2 lakh personal accident insurance cover and round-the-clock concierge services. Additionally, food enthusiasts can savor exclusive dining discounts through the Culinary Treats Program.
5. IRCTC RuPay SBI card
The IRCTC RuPay SBI Card is a traveler’s dream, especially tailored for frequent train commuters. Receive a generous welcome gift of 350 bonus points upon a transaction of ₹500 or more within 45 days, excluding fuel and cash spends. Benefit from up to 10% Value Back as Reward Points on AC train tickets, along with earning 1 Reward Point for every ₹125 spent on non-fuel retail and railway tickets.
Enjoy a 1% savings on transaction charges for railway bookings and access exclusive IRCTC travel privileges. The card further grants a 1% fuel surcharge waiver on transactions ranging from ₹500 to ₹3,000. Additionally, delight in four complimentary railway lounge accesses annually. Overall, it stands out as the top SBI credit card choice for avid travelers.
6. IDFC FIRST Power+ Credit Card
The IDFC FIRST Power+ Credit Card offers robust benefits, starting with up to 175 litres of free fuel annually. Enjoy ₹500 cashback on your first HPCL fueling, plus other welcome perks worth ₹1,650. The card offers up to 6.5% savings on fuel and 5% on groceries, utilities, and IDFC FASTag recharges.
Earn 3X rewards on other retail spends, and enjoy airport lounge access, movie discounts, and roadside assistance. It’s designed for long-term value with never-expiring rewards and low interest rates starting at 9%. The ₹499 annual fee is waived on spends of ₹1.5 lakh in the anniversary year. This easily makes it the best IDFC credit card for a blend of savings and rewards.
7. YES Prosperity Rewards Plus Credit Card
The YES Prosperity Rewards Plus Credit Card is crafted for avid travelers and dining enthusiasts, providing a lucrative rewards scheme. Earn 8 Reward Points for every ₹200 spent on travel and dining, while other expenditures can fetch you up to 4 Reward Points for every ₹200 spent.
Benefit from a preferential foreign currency markup of 2.75% for international transactions, catering perfectly to the needs of globetrotters. Enjoy a 1% fuel surcharge waiver at all fuel stations across India. With its balanced blend of rewards and cost-saving features, this card stands as one of the top choices among YES bank credit cards.
8. HDFC UPI Rupay Credit Card
The HDFC UPI RuPay Credit Card stands out as a virtual credit card, offering a multitude of benefits and features. If you’re considering acquiring a virtual credit card, the HDFC RuPay Credit Card should be at the top of your list.
Best Rewards Credit Cards in India 2024 | Top 5 Credit Card For Online Shopping
Conclusion
Now, you know the best credit card in the RuPay category that you can link with your UPI application to make transactions. While the other cards in the category can also be linked, these are the ones that offer you premium benefits and discounts on all your transactions.
So, what are you waiting for? Apply for these RuPay credit cards now and enjoy their benefits and easy transactions linked with the UPI applications.