UPI has transformed payments in India, making cash almost obsolete for daily needs. However, most credit cards didn’t support UPI—until the arrival of Rupay credit cards. Now, you can link your credit card to apps like PhonePe, Google Pay, and Paytm to earn rewards on every scan.
Why Choose a Rupay Credit Card?
The primary advantage is the ability to pay merchants via UPI using your credit card limit. This means you can earn reward points or cashback even at small local shops that don’t have a card machine.
Top Rupay Credit Cards in 2026:
- HDFC Tata Neu Infinity/Plus: Excellent for rewards within the Tata ecosystem and UPI spends.
- Kiwi Axis Bank Credit Card: A digital-first card designed specifically for UPI rewards.
- Jupiter Edge Rupay Card: Offers flat cashback on UPI transactions and a seamless app experience.
How to Get Started:
- Apply for a Rupay variant of your preferred credit card.
- Open your UPI app (BHIM, PhonePe, GPay).
- Select ‘Add Credit Card on UPI’ and choose your bank.
- Set a UPI PIN and you’re ready to scan and pay!
Conclusion: Switching to a Rupay credit card for your daily UPI spends is one of the easiest ways to boost your reward earnings in 2026.