# RuPay credit cards in India for UPI, every rule dated · Brief

38 cards issued today run on RuPay, so each one links to UPI. 8 of them carry no annual fee and 16 come with airport lounge access.

Every card issued today on the RuPay network, lowest fee first. Only a RuPay credit card links to UPI, and UPI works in India only. Each row shows what the card earns on everyday spend and, where the bank states one, its rule for spend over UPI.

38 cards · current to 22 October 2026

## RuPay credit cards (38)

- [BOBCARD Prime](https://getbrief.cards/cards/bob-prime): Annual fee ₹0 · 2 RP/₹100 on all other categories · On UPI: 2 Reward Points per ₹100 on UPI, uncapped · lifetime free · 3.5% forex · ✓ official · checked 16 July 2026
- [Federal Bank RuPay Wave](https://getbrief.cards/cards/federal-wave): Annual fee ₹0 · 1 RP/₹200 · On UPI: 1 Reward Point per ₹200 on UPI, the same as card spends · lifetime free · 3.5% forex · ✓ official · checked 26 August 2026
- [Google Pay Flex Axis Bank](https://getbrief.cards/cards/axis-gpay-flex): Annual fee ₹0 · 1 Star/₹500 (0.2%), 2 Stars/₹500 in the first reward cycle · max 1,500 Stars/cycle, of which 750 come from Axis · On UPI: 1 Star per ₹500 on UPI, the same as card spends, inside the 1,500 Stars cap · lifetime free · verified · checked 11 July 2026
- [HSBC RuPay Platinum](https://getbrief.cards/cards/hsbc-rupay-platinum): Annual fee ₹0 · 2 RP/₹150 · On UPI: 2 Reward Points per ₹150 on UPI, the same as card spends · lifetime free · 3.5% forex · 6 transfer partners · verified · checked 26 August 2026
- [Kotak UPI RuPay Credit Card](https://getbrief.cards/cards/kotak-upi-rupay): Annual fee ₹0 · Flat 3 RP/₹100 on UPI (P2M only) + regular CC txns; 1,000 RP = ₹100 · On UPI: 3 Reward Points per ₹100 on UPI, the same as card spends · lifetime free · 3.5% forex · ✓ official · checked 10 July 2026
- [Scapia Axis Bank Credit Card (RuPay)](https://getbrief.cards/cards/scapia-axis-rupay): Annual fee ₹0 · 5 coins / ₹100 everyday incl. UPI (= 1% value back) on spends of ₹500 and above · under ₹500 earns nothing · On UPI: 5 Scapia Coins per ₹100 on UPI, on payments of ₹500 or more · lifetime free · 0% forex · lounge · ✓ official · checked 9 September 2026
- [Slice UPI Credit Card](https://getbrief.cards/cards/slice-upi): Annual fee ₹0 · 1 monie/₹1 (₹0.01 a monie at the base 1% redemption tier; higher tiers need a savings balance) · On UPI: 1 monie per ₹1 on UPI from any app, the same as card spends · lifetime free · 0% forex · ✓ official · checked 11 July 2026
- [Yes Bank Kiwi (Neon)](https://getbrief.cards/cards/yes-kiwi-neon): Annual fee ₹0 · 0.5% on online spends · 1.5% on UPI scan & pay · monthly cap 1% of credit limit · On UPI: 1.5% on UPI scan & pay · 0.5% on online UPI checkouts · 2% scan & pay with the paid Neon add-on · lifetime free · 3.5% forex · lounge · ✓ official · checked 14 June 2026
- [IDFC FIRST Power (HPCL)](https://getbrief.cards/cards/idfc-power): Annual fee ₹199 · 2 RP/₹150 other retail, uncapped; FASTag 15X is IDFC-app-only · On UPI: 2 Reward Points per ₹150 on UPI, uncapped · fuel and insurance paid by UPI earn nothing · ₹199 fee, waivable · 0% forex · ✓ official · checked 16 July 2026
- [HDFC PIXEL Go](https://getbrief.cards/cards/hdfc-pixel-go): Annual fee ₹250 · 1% base cashback, no cap · RuPay UPI 1%, cap 500 CP/mo · On UPI: 1% on UPI, capped at 500 CashPoints a month · ₹250 fee, waivable · 3.5% forex · ✓ official · checked 21 June 2026
- [AU SPONT Credit Card](https://getbrief.cards/cards/au-spont): Annual fee ₹299 · 1% cashback on all txns incl. UPI, cap ₹500/statement cycle · UPI coins have no published ₹ value · On UPI: 1% on UPI from any app, inside the ₹500 a statement cycle cap · ₹299 fee · 3.49% forex · lounge · ✓ official · checked 1 September 2026
- [IRCTC BOBCARD (RuPay)](https://getbrief.cards/cards/bob-irctc-rupay): Annual fee ₹350 · 2 RP/₹100 (₹0.25/RP; 4 RP redeem for 1 IRCTC Travel Point on rail) · On UPI: 2 Reward Points per ₹100 on UPI · the rail and department-store rates do not apply on UPI · ₹350 fee · 3.5% forex · ✓ official · checked 16 July 2026
- [CheQ AU Credit Card](https://getbrief.cards/cards/au-cheq): Annual fee ₹499 · 1% CheQ Points (2 pts/₹200) base, uncapped · min ₹200/txn · On UPI: 2.5% on UPI paid through the CheQ app · UPI from any other app earns nothing · ₹499 fee, waivable · 3.49% forex · verified · checked 16 July 2026
- [CRED IndusInd RuPay](https://getbrief.cards/cards/cred-indusind-rupay): Annual fee ₹499 · 1 CRED Point / ₹100 offline / intl / other card spends · On UPI: 1% on UPI scan & pay and 5% on online UPI through the CRED app · UPI from any other app earns nothing · ₹499 fee · 3.5% forex · community-verified · checked 14 June 2026
- [Google Pay Flex SBI Card](https://getbrief.cards/cards/sbi-gpay-flex): Annual fee ₹499 · 1 Star/₹500 base, cap 1,500 Stars/statement cycle · from 1X, spending over ₹15,000 in a cycle earns 2X and over ₹30,000 earns 4X · 8X only from 2X above ₹30,000 · On UPI: 1 Star per ₹500 on UPI, the same as card spends, inside the 1,500 Stars a cycle cap · ₹499 fee, waivable · ✓ official · checked 1 September 2026
- [HDFC Tata Neu Plus](https://getbrief.cards/cards/hdfc-tata-neu-plus): Annual fee ₹499 · 1% NeuCoins non-Tata · On UPI: 0.25% NeuCoins on UPI from any app, 1% with the Tata Neu UPI ID · capped at 500 NeuCoins a month · ₹499 fee, waivable · 3.5% forex · lounge · verified · checked 14 June 2026
- [HPCL Energie BOBCARD](https://getbrief.cards/cards/bob-hpcl-energie): Annual fee ₹499 · 2 RP/₹150 general (₹0.25/RP) · On UPI: 2 Reward Points per ₹150 on UPI · the fuel and utility rates do not apply on UPI · ₹499 fee, waivable · 3.5% forex · lounge · ✓ official · checked 16 July 2026
- [HSBC RuPay Cashback](https://getbrief.cards/cards/hsbc-rupay-cashback): Annual fee ₹499 · 1% cashback all other eligible spends · shares the ₹400/mo cap with the 10% tier · On UPI: 1% on UPI, 10% at dining, food delivery and grocery merchants · inside the ₹400 a month cap · ₹499 fee, waivable · 0% forex · lounge · verified · checked 26 August 2026
- [IDFC FIRST HPCL Power+ Credit Card](https://getbrief.cards/cards/idfc-hpcl-power-plus): Annual fee ₹499 · 3 RP / ₹150 all other eligible spends · On UPI: 3 Reward Points per ₹150 on UPI, uncapped · fuel and insurance paid by UPI earn nothing · ₹499 fee, waivable · 0% forex · lounge · ✓ official · checked 21 June 2026
- [PhonePe HDFC Bank Uno](https://getbrief.cards/cards/hdfc-phonepe-uno): Annual fee ₹499 · 1% on Scan & Pay (QR scan only, any UPI platform), cap 500 RP/mo · no base rate: other spends earn 0 · On UPI: 1% on UPI scan & pay, capped at 500 points a month · the 2% PhonePe and 1% brand rates apply on UPI too · ₹499 fee, waivable · 3.5% forex · ✓ official · checked 16 July 2026
- [PNB Zaggle Twin Credit Card](https://getbrief.cards/cards/pnb-zaggle-twin): Annual fee ₹499 · 10 RP/₹300 as Zagg Coins at ₹0.25 · On UPI: 10 Reward Points per ₹300 on UPI, the same as card spends · ₹499 fee, waivable · 3.5% forex · lounge · verified · checked 14 October 2026
- [SBI SimplySAVE](https://getbrief.cards/cards/sbi-simplysave): Annual fee ₹499 · 1 RP / ₹150 (0.25%) · On UPI: 1 Reward Point per ₹150 on UPI · 10 points per ₹150 at dining, movie, grocery and department-store merchants · ₹499 fee, waivable · 3.5% forex · verified · checked 14 June 2026
- [Tata Neu Plus SBI Card](https://getbrief.cards/cards/tata-neu-plus-sbi): Annual fee ₹499 · 1% NeuCoins all other spends · On UPI: 1% NeuCoins on UPI, Tata brands included, capped at 500 NeuCoins a statement cycle · ₹499 fee, waivable · 3.5% forex · lounge · ✓ official · checked 1 September 2026
- [Airtel Axis Bank](https://getbrief.cards/cards/axis-airtel): Annual fee ₹500 · 1% all else · On UPI: 1% on UPI, uncapped · the 25% and 10% Airtel Thanks app rates apply on UPI too · ₹500 fee, waivable · 3.5% forex · verified · checked 14 June 2026
- [BOBCARD Easy](https://getbrief.cards/cards/bob-easy): Annual fee ₹500 · 1 RP/₹100 all other categories · On UPI: 1 Reward Point per ₹100 on UPI · the 5 point rate does not apply on UPI · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 16 July 2026
- [HDFC PIXEL Play](https://getbrief.cards/cards/hdfc-pixel-play): Annual fee ₹500 · 1% base cashback (cap 15,000 CP/mo); RuPay UPI 1% cap 500 CP/mo · On UPI: 1% on UPI, capped at 500 CashPoints a month · the 3% and 5% picks do not apply on UPI · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 21 June 2026
- [ICICI Coral](https://getbrief.cards/cards/icici-coral): Annual fee ₹500 · 2 RP / ₹100 (0.5%) · On UPI: 2 Reward Points per ₹100 on UPI, the card’s own rates by merchant · ₹500 fee, waivable · 3.5% forex · 1 transfer partner · lounge · ✓ official · checked 14 June 2026
- [ICICI HPCL Super Saver](https://getbrief.cards/cards/icici-hpcl-super-saver): Annual fee ₹500 · 2 RP / ₹100 (0.5% at ₹0.25/RP) · whether rent, EMI, govt, jewellery, education earn is not confirmed · On UPI: 2 Reward Points per ₹100 on UPI · utility, grocery and department-store rates apply by merchant · ₹500 fee, waivable · 3.5% forex · 1 transfer partner · lounge · verified · checked 3 July 2026
- [IndianOil Axis Bank](https://getbrief.cards/cards/axis-indianoil): Annual fee ₹500 · 1 RP / ₹100 (0.2%) · On UPI: 1 EDGE Reward Point per ₹100 on UPI, the card’s own rates by merchant · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 16 July 2026
- [IndianOil HDFC Bank](https://getbrief.cards/cards/hdfc-indianoil): Annual fee ₹500 · 1 FP / ₹150 (≈0.13% at ₹0.20/FP) · On UPI: 1 Fuel Point per ₹150 on UPI, capped at 500 points a month · UPI at a fuel pump earns nothing · ₹500 fee, waivable · 3.5% forex · verified · checked 3 July 2026
- [IRCTC HDFC Bank (RuPay)](https://getbrief.cards/cards/hdfc-irctc-rupay): Annual fee ₹500 · 1 RP / ₹100 (rail-redeem @ ₹1) · On UPI: 1 Reward Point per ₹100 on UPI, capped at 500 points a month · ₹500 fee, waivable · 3.5% forex · verified · checked 14 June 2026
- [IRCTC SBI Card (RuPay)](https://getbrief.cards/cards/sbi-irctc-rupay): Annual fee ₹500 · 1 RP / ₹125 non-fuel (rail-redeem @ ₹1) · On UPI: 1 Reward Point per ₹125 on UPI, uncapped · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 14 June 2026
- [Kotak Cashback+ Credit Card](https://getbrief.cards/cards/kotak-cashback-plus): Annual fee ₹750 · 0.5% unlimited cashback all other · On UPI: 0.5% on UPI, uncapped · the 5% and 3% rates do not apply on UPI · ₹750 fee · 3.5% forex · verified · checked 28 June 2026
- [MakeMyTrip ICICI Bank](https://getbrief.cards/cards/icici-makemytrip): Annual fee ₹999 · 1 myCash / ₹100 other incl. intl (1%); train bookings earn a flat 25 myCash per booking, not a percentage · On UPI: 1% myCash on UPI outside MakeMyTrip · ₹999 fee, waivable · 0.99% forex · lounge · 1 status · ✓ official · checked 14 June 2026
- [PhonePe HDFC Bank Ultimo](https://getbrief.cards/cards/hdfc-phonepe-ultimo): Annual fee ₹999 · 1% on Scan & Pay (QR scan only, any UPI platform), cap 500 RP/mo · no base rate: other spends earn 0 · On UPI: 1% on UPI scan & pay, capped at 500 points a month · the 10% PhonePe and 5% brand rates apply on UPI too · ₹999 fee, waivable · 3.5% forex · lounge · ✓ official · checked 16 July 2026
- [HDFC Tata Neu Infinity](https://getbrief.cards/cards/hdfc-tata-neu-infinity): Annual fee ₹1,499 · 1.5% NeuCoins (non-Tata) · On UPI: 0.5% NeuCoins on UPI from any app, 1.5% with the Tata Neu UPI ID · capped at 500 NeuCoins a month · ₹1,499 fee, waivable · 2% forex · lounge · community-verified · checked 20 June 2026
- [Tata Neu Infinity SBI Card](https://getbrief.cards/cards/tata-neu-infinity-sbi): Annual fee ₹1,499 · 1.5% NeuCoins on all other spends · UPI earn applies to the RuPay variant, capped 500 NC/mo · grocery, insurance, utility and telecom capped at 2,000 NC/mo each · On UPI: 1.5% NeuCoins on UPI, capped at 500 NeuCoins a month · ₹1,499 fee, waivable · 1.99% forex · lounge · ✓ official · checked 1 September 2026
- [BOBCARD Tiara](https://getbrief.cards/cards/bobcard-tiara): Annual fee ₹2,499 · 3 RP / ₹100 (0.75%) · On UPI: 3 Reward Points per ₹100 on UPI, capped at ₹500 of points a cycle · the 15 point rate does not apply on UPI · ₹2,499 fee, waivable · 2% forex · lounge · verified · checked 16 July 2026

Cards on the RuPay network, lowest annual fee first, then by name.

## Other lists

- [Lifetime free](https://getbrief.cards/lifetime-free-credit-cards)
- [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards)
- [Cashback](https://getbrief.cards/cashback-credit-cards)
- [Travel](https://getbrief.cards/travel-credit-cards)
- [Lounge access](https://getbrief.cards/lounge)
- [Every card](https://getbrief.cards/cards)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/rupay-credit-cards