Merchant UPI only
RuPay credit-card UPI is designed mainly for eligible merchant payments, not every person-to-person transfer.
Decision framework
Use the category to frame the question—not to declare a winner.
Cards where RuPay UPI usage is an important part of the proposition. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
Reward eligibility
Check transaction-size thresholds, excluded MCCs and whether all UPI payments earn the same rate.
Offline fallback
Compare the card’s non-UPI earn too; you may still use the physical/online card regularly.
International use
UPI strength does not imply competitive forex pricing.
Issuer coverage
Which issuer portfolios appear most often here?
This is database coverage only. More published cards does not mean a better issuer, easier approval or stronger customer service.
01Issuer dossierPunjab National Bank6 cards in this category
02Issuer dossierKotak Mahindra Bank2 cards in this category
03Issuer dossierSBI Card1 card in this category
04Issuer dossierAxis Bank1 card in this category
05Issuer dossierAU Small Finance Bank1 card in this category
06Issuer dossierIndusInd Bank1 card in this category
07Issuer dossierFederal Bank1 card in this category
08Issuer dossierCanara Bank1 card in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
15of 15 published records visible
SBI Card · Active
Open dossier Tata Neu Infinity SBI Card
A Tata-ecosystem rewards card with UPI relevance on the RuPay variant and spend-conditioned lounge access.
Annual fee₹1,499 + applicable taxes under the current SBI Card MITC.
RewardsReviewed SBI listing states 5% back as NeuCoins on eligible Tata Neu/Tata-brand non-EMI spends and 1.5% on eligible non-Tata/UPI spends for RuPay variant
Lounge8 complimentary domestic lounge visits per year, capped at 2 per quarter, after ₹75,000 spend in the previous quarter on the reviewed SBI Card listing.
Forex1.99% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 1.99% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best usePeople already spending heavily across Tata Neu and Tata brands who can use NeuCoins.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier IndianOil Axis Bank Credit Card
A focused fuel card built around IndianOil value-back economics rather than broad travel rewards.
Annual fee1st year Nil; ₹500 from the 2nd year on the current Axis Bank product page
RewardsReviewed Axis listing advertises 4% value back on fuel spends at IndianOil outlets
LoungeNot a lounge-led card
Forex3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published.
Best useDrivers whose fuel spending is concentrated at IndianOil and who want a low-fee fuel card.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU SPONT Credit Card
A low-fee AU RuPay card combining 1% eligible cashback across UPI and card transactions with railway and spend-conditioned airport lounges.
Annual fee₹299 + applicable taxes.
Rewards1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms
Lounge2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUsers who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
2 first-party sourcesReviewed September 11, 2026
Kotak Mahindra Bank · Active
Open dossier IndianOil Kotak Credit Card
A low-fee fuel card centered on IndianOil with a ₹449 annual fee, ₹50,000 waiver threshold and additional grocery/dining reward value.
Annual fee₹449 + applicable taxes
RewardsReviewed Kotak listing advertises 5% value on eligible IndianOil fuel spends and 2% back as reward points on eligible grocery and dining spends
LoungeNot positioned as a lounge-led card in the reviewed issuer listing
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup for cards without a special lower rate
Best useDrivers who consistently refuel at IndianOil and can use grocery/dining rewards while keeping annual spend above the modest fee-waiver threshold.
3 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak UPI RuPay Credit Card
A virtual lifetime-free RuPay credit card built around UPI merchant payments and basic rewards, with no joining or annual fee in the reviewed KFS.
Annual feeNil / not applicable under the reviewed KFS
RewardsReviewed Kotak listing advertises 3 reward points per ₹100 on eligible spends, with RuPay credit-card UPI merchant payments supported
LoungeNo core lounge benefit highlighted in the reviewed issuer material
Forex3.5% foreign-currency transaction markup under the reviewed KFS
Best useUsers who want a no-annual-fee virtual RuPay card primarily for UPI merchant payments rather than travel benefits.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Platinum RuPay Credit Card
A lifetime-free RuPay card built around merchant UPI payments, with 2 Reward Points per ₹100 on eligible UPI spend and a comparatively high 3.5% forex markup.
Annual feeNil — lifetime free on the reviewed issuer page
Rewards2 Reward Points per ₹100 on eligible UPI transactions and 1 Reward Point per ₹100 on eligible non-UPI transactions; redemption values and monthly cash-redemption caps apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum RuPay product page
Forex3.5% foreign-currency markup on the reviewed issuer FAQ
Best usePeople who want a no-annual-fee RuPay credit card mainly for merchant UPI payments and straightforward reward earning.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank RuPay Wave Credit Card
A RuPay UPI floater card linked to an existing Federal Bank credit card and shared credit limit, with virtual issuance designed for merchant UPI use.
Annual fee₹199 + GST in the reviewed KFS
RewardsDesigned primarily as a UPI-enabled RuPay floater card linked to an existing Federal Bank primary credit card; reward treatment follows current issuer programme terms
LoungeNot positioned as a lounge-led product
Forex3.5% foreign-currency markup in the reviewed Federal Bank charge material
Best useExisting Federal Bank credit-card customers who want a RuPay credit-card layer for eligible merchant UPI payments without a separate credit limit.
3 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB RuPay Platinum Credit Card
A mass-market RuPay card combining basic rewards, UPI compatibility, conditional annual-fee waiver and complimentary lounge access.
Annual fee₹500 + applicable taxes
Rewards1 PNB Reward Point per ₹100 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days
LoungePNB lists complimentary domestic and international lounge access under the RuPay program
Forex3.50% foreign-currency markup over the network conversion rate
Best useEntry-level PNB customers who want RuPay/UPI usability, a modest fee and lounge access without moving into a premium card tier.
6 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB RuPay Select Credit Card
A mid-tier RuPay card with 2 points per ₹150, lounge access, lifestyle benefits and a ₹750 annual fee that can be waived through quarterly use.
Annual fee₹750 + applicable taxes
Rewards2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days
LoungePNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits
Forex3.50% foreign-currency markup over the network conversion rate
Best usePNB customers who want a stronger RuPay rewards/lifestyle package and can satisfy the simple quarterly-use fee-waiver condition.
6 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Relationship Linked
Open dossier PNB Salary RuPay Platinum Credit Card
A relationship-linked lifetime-free RuPay card for eligible PNB EXCEL salary customers, with UPI, 1 point per ₹100 and 4 domestic plus 1 international lounge visit yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards1 PNB Reward Point per ₹100 on eligible spend
Lounge4 domestic lounge visits per year (1 per quarter) and 1 international lounge visit per year under the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible PNB EXCEL salary-account customers who can use a genuinely no-standard-fee RuPay card with UPI and modest lounge benefits.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Relationship Linked
Open dossier PNB Salary RuPay Select Credit Card
A relationship-linked lifetime-free RuPay Select card with 2 points per ₹150, UPI support and 8 domestic plus 2 international lounge visits yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards2 PNB Reward Points per ₹150 on eligible spend
Lounge8 domestic lounge visits per year (2 per quarter) and 2 international lounge visits per year on the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible higher-income PNB salary-account customers who can use a no-standard-fee RuPay Select package with unusually strong lounge frequency for its fee level.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB KIWI RuPay Select Credit Card
A PNB/KIWI RuPay Select co-brand built around UPI scan-and-pay rewards, with a no-fee virtual card and a separately priced physical card.
Annual feeNil for the virtual card; ₹750 for the physical card
Rewards0.5% cashback as KIWIS on eligible online transactions and 1.5% on eligible scan-and-pay transactions; monthly KIWI cap is linked to the card credit limit
LoungeNot listed as a core benefit on the reviewed PNB KIWI product page
Forex3.50% foreign-currency markup under PNB’s schedule for non-LUXURA cards
Best useUPI-heavy users who want a virtual-card route with no standard annual fee and prefer cashback-style KIWI rewards over traditional bank points.
3 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB BLISS RuPay Platinum Credit Card
A low-fee RuPay lifestyle card combining UPI, modest rewards, entertainment/wellness benefits and 4 domestic plus 1 international lounge visit each year.
Annual fee₹510 + applicable taxes
Rewards1 PNB Reward Point per ₹100 on eligible retail-category spend
Lounge4 complimentary domestic lounge visits per year (1 per quarter) and 1 complimentary international lounge visit per year
Forex3.50% foreign-currency markup over the network conversion rate
Best useLifestyle-focused users who can use recurring entertainment, wellness and lounge perks and naturally clear the ₹1 lakh annual-fee waiver threshold.
4 first-party sourcesReviewed September 9, 2026
Canara Bank · Active
Open dossier Canara Bank RuPay Select Credit Card
A RuPay Select card with zero annual membership fee, 2 points per ₹100 and defined domestic/international lounge allowances.
Annual feeNil annual fee; a separate ₹300 inactivity fee applies if annual card turnover is below ₹1 lakh.
Rewards2 reward points per ₹100 on purchases/payments, with each point currently valued at ₹0.25. Current RuPay Select benefits also include limited cashback on eligible utility and restaurant spend.
Lounge2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year under the current product page.
ForexUp to 3% markup on foreign-currency transactions under the current Canara fee table.
Best useCanara customers who want a zero-annual-fee RuPay premium card with both domestic and international lounge quotas.
2 first-party sourcesReviewed September 12, 2026
Union Bank of India · Active
Open dossier Union Bank UNICORN RuPay Credit Card
A premium RuPay card combining 4 points per ₹100, milestone accelerators and a defined domestic/international lounge package.
Annual feeThe reviewed current UNICORN product page does not display the annual-fee figure in its rendered benefit section; verify the current Union Bank KFS/MITC before applying.
Rewards4 reward points per ₹100 on eligible spend, with activation, birthday-month, monthly and annual milestone accelerators under the current product page. Base points are capped at 10,000 per month excluding milestone points, and specified MCCs are excluded.
Lounge8 domestic and 2 international lounge visits per year via the current programme, plus RuPay domestic lounge access and concierge benefits as described by Union Bank.
ForexNo current UNICORN-specific forex-markup percentage is asserted from the rendered product page; verify the current KFS/MITC before international use.
Best useUnion Bank customers seeking a premium RuPay rewards card with a defined 8+2 annual lounge package and UPI compatibility.
3 first-party sourcesReviewed September 12, 2026
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Maintained head-to-heads
Close comparisons already researched inside RuPay / UPI Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonAU SPONT Credit CardvsTata Neu Infinity SBI CardCompare →Maintained comparisonIndianOil Kotak Credit CardvsIndianOil Axis Bank Credit CardCompare →Maintained comparisonKotak UPI RuPay Credit CardvsAU SPONT Credit CardCompare →Maintained comparisonIndusInd Bank Platinum RuPay Credit CardvsKotak UPI RuPay Credit CardCompare →Maintained comparisonIndusInd Bank Platinum RuPay Credit CardvsAU SPONT Credit CardCompare →Maintained comparisonFederal Bank RuPay Wave Credit CardvsKotak UPI RuPay Credit CardCompare →Maintained comparisonFederal Bank RuPay Wave Credit CardvsAU SPONT Credit CardCompare →Maintained comparisonFederal Bank RuPay Wave Credit CardvsTata Neu Infinity SBI CardCompare →