IDFC FIRST Bank× HPCLRuPay · UPI
FIRST Power+
Net savings₹6,531/yr
Savings rate1.7%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 5% value on grocery, utilities, FASTag earns you about ₹2,040 a year on ₹40,800 of spend.
Best for · Everyday · updated 2026-09-19
Best credit cards for UPI payments (RuPay)
Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.
Best credit card for UPI payments (Sept 2026): IDFC FIRST Bank FIRST Power+ (HPCL) – 3 RP/₹150 on UPI, ₹6,531 net a year. Runners-up: Tata Neu Infinity HDFC Bank and Paisabazaar PaisaSave. Ranked for a profile that pays 85% of everyday spend by UPI QR – only RuPay cards linked to UPI earn on that.
Standard profile
Scored for UPI payments profile · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 for UPI payments
HDFC Bank× Tata NeuRuPay · UPI
Tata Neu Infinity HDFC Bank
Net savings₹5,634/yr
Savings rate1.5%
Annual feeWaived ₹1,769
Lounge✈8 dom🌏4 intl
✓ Base rate 1.5% on other spends earns you about ₹2,611 a year on ₹1,74,060 of spend.
Yes Bank× PaisabazaarRuPay · UPI
Paisabazaar PaisaSave
Net savings₹7,182/yr
Savings rate1.9%
Annual feeWaived ₹589
Lounge✈ none
✓ 3% on online spends (cap ₹1,000/mo) earns you about ₹4,536 a year on ₹1,51,200 of spend.
All 12 cards ranked for UPI payments
| # | Card | Score | Net savings / yr | UPI | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | FIRST Power+IDFC FIRST Bank × HPCL | 76/100 | ₹6,531 1.7% rate | RuPay · UPI 3 RP/₹150 on UPI | Waived | 4 domestic/yr |
| 2 | Tata Neu Infinity HDFC BankHDFC Bank | 72/100 | ₹5,634 1.5% rate | RuPay · UPI 1.5% NeuCoins on UPI (RuPay), max 500/month | Waived | 8 domestic + 4 international/yr |
| 3 | Paisabazaar PaisaSaveYes Bank | 71/100 | ₹7,182 1.9% rate | RuPay · UPI 1.5% on UPI (cap ₹500/mo) | Waived | No lounge access |
| 4 |  Tata Neu Plus HDFC BankHDFC Bank | 62/100 | ₹3,876 1.0% rate | RuPay · UPI 1% NeuCoins on UPI, max 500/month | Waived | 4 domestic/yr |
| 5 |  PNB RuPay SelectPunjab National Bank | 55/100 | ₹2,716 0.7% rate | RuPay · UPI 2 points/₹150 on UPI | Waived | 8 domestic/yr |
| 6 |  ixigo AUAU Small Finance Bank | 49/100 | ₹1,840 0.5% rate | RuPay · UPI 1 point/₹100 on UPI | Waived | 4 domestic/yr |
| 7 |  IndianOil Axis BankAxis Bank | 41/100 | ₹2,743 0.7% rate | RuPay · UPI 1 ERP/₹100 on UPI | Waived | No lounge access |
| 8 |  Kiwi (Yes Bank RuPay)Yes Bank | 37/100 | ₹3,036 0.8% rate | RuPay · UPI 1% on UPI scan & pay (Neon plan 2–3%) | Free for life | No lounge access |
| 9 |  Uni CardUni (Yes Bank RuPay) | 37/100 | ₹3,036 0.8% rate | RuPay · UPI 1% on UPI | Free for life | No lounge access |
| 10 |  Jupiter Edge CSB BankCSB Bank | 30/100 | ₹1,959 0.5% rate | RuPay · UPI 0.4% on other UPI spends | Free for life | No lounge access |
| 11 |  IRCTC RBL BankRBL Bank | 30/100 | ₹1,166 0.3% rate | RuPay · UPI 1 point/₹100 on UPI | Waived | No lounge access |
| 12 |  IRCTC SBI PlatinumSBI Card | 26/100 | ₹1,028 0.3% rate | RuPay · UPI 1 RP/₹125 on UPI | You pay ₹354 | No lounge access |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for a profile that pays 85% of everyday spend by UPI QR – only RuPay cards linked to UPI earn on that. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Related
Frequently asked questions
Which credit card is best for UPI payments in India in Sept 2026?
IDFC FIRST Bank FIRST Power+ (HPCL) ranks first for UPI payments on CardLens: 3 RP/₹150 on UPI, ₹6,531 net a year. Tata Neu Infinity HDFC Bank is second. The ranking is for a stated spend profile and changes with yours.
How does CardLens rank cards for UPI payments?
We take the standard Indian cardholder profile, change it to reflect this use (for a profile that pays 85% of everyday spend by UPI QR – only RuPay cards linked to UPI earn on that), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.
Will my own answer be different?
Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.