IDFC FIRST Bank× HPCLRuPay · UPI
FIRST Power+
Net savings₹6,990/yr
Savings rate1.8%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 5% value on grocery, utilities, FASTag earns you about ₹2,580 a year on ₹51,600 of spend.
Collection · 12 cards · updated 2026-09-19
RuPay credit cards that work on UPI
RuPay network cards you can link to UPI and use at any QR code. Scored in rupees for the profile below – set up yours to re-rank.
RuPay UPI cards (Sept 2026): 12 of 119 cards qualify – RuPay network cards you can link to UPI and use at any QR code. Best of them for this profile: IDFC FIRST Bank FIRST Power+ (HPCL) (score 79, ₹6,990 net a year), then Tata Neu Infinity HDFC Bank.
Standard profile
Scored for RuPay UPI cards profile · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3
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 ₹2,954 a year on ₹1,96,920 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 rupay upi cards
| # | Card | Score | Net savings / yr | UPI | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | FIRST Power+IDFC FIRST Bank × HPCL | 79/100 | ₹6,990 1.8% 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 | 50/100 | ₹1,901 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 | 31/100 | ₹2,167 0.6% rate | RuPay · UPI 0.4% on other UPI spends | Free for life | No lounge access |
| 11 |  IRCTC RBL BankRBL Bank | 30/100 | ₹1,214 0.3% rate | RuPay · UPI 1 point/₹100 on UPI | Waived | No lounge access |
| 12 |  IRCTC SBI PlatinumSBI Card | 28/100 | ₹1,292 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. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
More collections
Frequently asked questions
Which RuPay credit card is best for UPI?
For a profile that pays 70% of everyday spend by UPI, IDFC FIRST Bank FIRST Power+ (HPCL) ranks first. Only RuPay cards can be linked to UPI; on every other card the UPI part of your spend earns nothing.
Do all RuPay credit cards earn rewards on UPI?
No. Each card sets its own UPI rate and cap, and some exclude UPI from accelerated categories. The table shows the UPI rule CardLens applies.
Are these scores the same as on the card pages?
Scores depend only on the profile, never on filters. This page uses a profile tuned to the collection (stated above), so scores can differ from the standard-profile ones on /cards.