best UPI credit card: A Complete Guide to Top Choices

1. Get more from your daily UPI payments. Now, you can earn cashback and reward points whenever you pay for things like groceries, tea, or travel.

2. Choose a credit card that matches your lifestyle. Whether you drive often, shop online, or buy groceries, there is a card that helps you save more.

3. Getting started is simple, and keeping your card is easy too. Most cards have low or no starting fees, and if you use them regularly, you can often skip the annual fee.

Like regular card swipes, the best UPI credit card allows you to earn rewards on regular UPI transactions by seamlessly integrating with your UPI apps.

Example:

Because he can earn reward points on all of his small purchases with a UPI credit card, Jitendra loves using UPI for his daily groceries, chai, and metro rides. This makes saving money simple and enjoyable!

Table:

The table below illustrates how Jitendra benefits from using a UPI credit card for his daily expenses:
 

This table clearly demonstrates that Jitendra receives real benefits from each transaction without changing his payment habits.

This blog helps you understand the best UPI credit cards, and the next topic is the top 5 UPI Credit Cards of 2025.

Top 5 UPI Credit Cards in 2025

The best Credit Cards of 2025 have been chosen for their low fees, great rewards on UPI transactions, and fantastic perks for everyday users. Get ready to make your digital payments more rewarding!

Nitin said, "I wish there were a UPI credit card, which I would have got."

Mohit replied, "Oh, brother, don't you know, I will tell you about the top 5 UPI Credit Cards, which can make your life very easy."

Nitin said, "Ohh nice, please tell me, Mohit."

Mohit shared the best options, focusing on their affordable prices. Check out the table below for details!
 

This table shows that these practical financial tools are accessible for a small yearly investment.

Mohit said, "These credit cards are very precious, like you, Nitin, because you use UPI a lot."

Nitin replied, "Thank you, Mohit, because this is very helpful for me."

To choose the best one, you must first understand the key features of these UPI Credit Cards.

Bonus Tip: Did you know that many credit cards waive the annual fee if you meet a minimum spending requirement? For example, HDFC's UPI RuPay Card waives it at just ₹25,000 spent per year, while other cards might require ₹1,50,000. It's a great way to make the most of your card!

Features Top 5 UPI Credit Cards in 2025

The best UPI credit cards maximise savings for regular UPI users by providing substantial rewards for UPI transactions and special benefits, such as fuel surcharge waivers. 

1. HDFC Bank UPI RuPay Credit Card

You can earn rewards on one of the best UPI credit card payments in several categories with the affordable HDFC Bank UPI RuPay Credit Card. For consumers looking to reduce their regular digital expenses, it is perfect. 

For example:

Sohit loves using it for groceries, dining, and paying bills. Here’s a quick look at its key features and fees:

• Rewards: Earns 3% cashpoints on groceries, supermarkets, dining, and PayZapp transactions (max 500 pts/month).
   
• Utility Bills: Gets 2% cashpoints on utility spends (max 500 pts/month).
   
• Other Spends: Receives 1% cashpoints on all other eligible UPI transactions.
   
• Annual Fee: A low joining/renewal fee of ₹99 + taxes, which can be waived by spending ₹25,000 annually.

Here are some great tips on how Sohit maximises his savings on UPI transactions while keeping costs low!

The next card we're looking at is the IDFC FIRST Power Plus Credit Card!

2. IDFC FIRST Power Plus Credit Card

Fuel-focused, the IDFC FIRST Power Plus Credit Card offers rewards on UPI purchases as well as significant fuel savings. It is intended for people who regularly drive and make payments using UPI.

For instance:

Deepak, a daily commuter, relies on this card for both fuel and UPI transactions. Here are the card's key details:

• Savings: Potential to save up to ₹18,500 annually, including welcome benefits of ₹2,500.
   
• UPI & Fuel Rewards: Earn rewards on all UPI transactions and provide high savings on HPCL fuel spends.
   
• Fees: Annual fee of ₹499, which is reversed upon spending ₹1,50,000 in the previous year.
   
• Rates: Features low dynamic interest rates starting at 8.5% per annum and 0% interest on ATM withdrawals until the due date.

Here are a few key points that highlight the card's value for fuel and UPI users, such as Deepak. It's a fantastic way to maximise your daily savings!

Let’s dive into the YES Bank Paisabazaar PaisaSave Credit Card! 

3. YES Bank Paisabazaar PaisaSave Credit Card

High cashback is available on UPI and online purchases with the YES Bank Paisabazaar PaisaSave Credit Card. Users with substantial e-commerce and digital spending habits will find it ideal.

For example:

Sumit, who loves to shop online, makeshis purchases with this card. Key information on the card is:
 

• Rewards: Earns 3% cashback on online transactions and 1.5% on all other spends.
   
• Fees: Zero joining fee; annual fee of ₹499 is waived on spends of ₹1,20,000.
   
• Benefits: Includes a fuel surcharge waiver and contactless payment technology.
   
• Charges: High interest rate of 3.99% per month; fees apply to rent and wallet transactions.
   

Sumit's tips show how he maximises rewards in his digital life. It’s a must-have card for anyone who loves online deals!

The next card is the HDFC MoneyBack+ Credit Card.

4. HDFC MoneyBack+ Credit Card

Accelerated rewards are available on well-known online shopping and food delivery platforms with the HDFC MoneyBack+ Credit Card. It is intended for millennials who regularly shop on well-known e-commerce platforms.

For instance:

Rakesh uses it for his Amazon, Swiggy, and BigBasket purchases. The card's key details are:

• Rewards: Earns 10X CashPoints (3.3% valueback) on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart.
   
• Other Spends: Gets 2 CashPoints per ₹150 spent on all other categories.
   
• Benefits: Includes a ₹500 gift voucher on quarterly spends of ₹50,000 and extra Swiggy Dineout discounts.
   
• Fees: Joining and annual fee of ₹500 each, waived on yearly spends of ₹50,000.

Rakesh knows precisely how to maximise his online spending! These tips show just how powerful a tool e-commerce can be for him.

The last card but not the least is the ICICI HPCL Super Saver Credit Card.

5. ICICI HPCL Super Saver Credit Card

With substantial fuel savings and lifestyle perks, the ICICI HPCL Super Saver Credit Card is perfect for regular drivers. It offers significant savings on daily expenses at HPCL pumps.

For example:

Pradeep uses it for fuel and dining. The card's key details are:
 

• Fuel Savings: Earns 5% savings on HPCL fuel spends.
   
• Rewards: Offers 2,000 welcome reward points and discounts on movies and dining.
   
• Benefits: Includes roadside assistance, lounge access, and insurance coverage.
   
• Fees: Joining and annual fee of ₹500 each, waived on spends of ₹1,50,000.

Pradeep has some fantastic tips for saving on fuel while enjoying life! His insights are perfect for any motorist looking to maximise their efficiency and perks on the road.

This completes the list of the top 5 UPI Credit Cards in 2025.

Bonus Tip: UPI payments themselves are free. Standard credit card terms apply, so be aware of high interest rates (if you carry a balance) and charges for specific transactions, such as rent payments.

Conclusion

Get a UPI credit card that makes your everyday online payments feel more rewarding. These cards ensure you get a refund on every transaction, whether you're shopping online, buying chai, or filling up your car. 

To get the most out of your savings, pick one that suits your spending habits - whether that's on groceries, petrol, or online shopping. Give it a try and you'll soon see how your small regular expenses add up to some substantial benefits. Enjoy spending!

FAQS

Do UPI credit card transactions count towards my credit card bill's minimum due amount?

Yes. All transactions made via UPI using your credit card are treated like any other credit card purchase. They are added to your total bill, and you must pay at least the minimum due by the due date.

Is there a daily or monthly transaction limit for UPI credit card payments?

Yes. Banks set limits for security. A typical UPI transaction limit is ₹1 lakh per day, but your bank may have a lower cap specifically for credit card-linked UPI transactions. Check with your issuer.

Are there any hidden charges for using a credit card on UPI?

UPI itself is free. However, standard credit card charges apply. For example, if you use it for a rent payment or a wallet load, the bank may treat it as a cash advance and charge extra fees.

Is a guarantor needed to get these cards?

No, these are standard credit cards. Approval is based on your credit score, income, and the bank's eligibility criteria, with no need for a separate guarantor.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.