With UPI becoming India’s most used payment method, credit cards are now being integrated into UPI platforms like PhonePe, Google Pay, Paytm, and BHIM. In 2025, the RuPay credit card on UPI has transformed the way Indians pay—by combining the power of credit with the ease of UPI.
In this article, we’ll explore the best UPI credit cards in 2025, explain how they work, and help you pick the one that suits your lifestyle and spending pattern.
💳 What is a UPI Credit Card?
A UPI Credit Card is a RuPay credit card that you can link with UPI apps. This allows you to pay with credit instead of bank balance—even at small merchants, via QR codes.
✅ Key Benefits:
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Instant payments via UPI QR using your credit card
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Earn rewards, cashback, or points
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Widely accepted at kirana stores, vendors, etc.
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No need to carry a physical card
🔝 Best RuPay UPI Credit Cards in 2025
1. HDFC RuPay Regalia Gold Credit Card (UPI Enabled)
⭐ Best Premium RuPay Card for UPI + Lifestyle
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UPI Compatible: Yes (PhonePe, Paytm, BHIM)
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Reward Rate: 4 points per ₹150
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UPI Rewards: Earn rewards on select UPI spends
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Annual Fee: ₹2,500 (waived on ₹3L spend)
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Extras: Free lounge access, insurance cover
🟢 Why Choose: Best for professionals and travelers using UPI and premium services
2. SBI SimplyCLICK RuPay Credit Card
⭐ Best for Online Shopping + UPI Users
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UPI Enabled: Yes
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Rewards: 10X on Amazon, Flipkart, Cleartrip
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Annual Fee: ₹499 (waived on ₹1L spend)
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UPI Perk: No fee on UPI QR payments
🟢 Why Choose: Value-packed card for online shoppers and everyday UPI spenders
3. Axis Bank ACE RuPay Credit Card (via Google Pay)
⭐ Best for Cashback on UPI Transactions
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UPI Partner: Google Pay only
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Cashback:
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5% on bill payments & recharges via GPay
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2% on other UPI spends
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4% on Swiggy, Zomato, Ola
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Annual Fee: ₹499
🟢 Why Choose: Seamless cashback + UPI access for Google Pay users
4. BOB Financial RuPay Credit Card
⭐ Best Low-Fee RuPay Credit Card for UPI
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UPI Enabled: Yes
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Annual Fee: ₹0 – ₹499 (depending on variant)
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Rewards: 1%–2% cashback
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USP: Wide merchant acceptance, low joining fee
🟢 Why Choose: Affordable card with good reward structure for beginners
5. ICICI Coral RuPay Credit Card
⭐ Good for UPI, Dining, and Entertainment
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UPI Compatible: Yes
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Perks: Free movie tickets, dining discounts, lounge access
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Annual Fee: ₹500–₹1,000
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UPI Use: Link via BHIM, Paytm, etc.
🟢 Why Choose: Lifestyle-focused card with UPI access and good offers
🏦 UPI Apps Supporting RuPay Credit Cards (2025)
| UPI App | RuPay Credit Card Support |
|---|---|
| PhonePe | ✅ Yes |
| Google Pay | ✅ Yes (select cards only) |
| Paytm | ✅ Yes |
| BHIM | ✅ Yes |
| Amazon Pay | ❌ No |
📊 Comparison Table – Best UPI Credit Cards in 2025
| Credit Card | Best For | UPI Compatible | Reward/Cashback | Fee |
|---|---|---|---|---|
| HDFC Regalia Gold RuPay | Premium users | ✅ | 4 RP/₹150 + lounge access | ₹2,500 |
| SBI SimplyCLICK RuPay | Online shopping | ✅ | 10X rewards on e-com | ₹499 |
| Axis ACE RuPay | Google Pay users | ✅ | 5%–2% cashback | ₹499 |
| BOB RuPay Card | Low-fee users | ✅ | 1–2% cashback | ₹0–₹499 |
| ICICI Coral RuPay | Entertainment | ✅ | Dining + movie offers | ₹500–₹1,000 |
🧠 Things to Know Before Using UPI Credit Cards
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Link Only RuPay Cards: Only RuPay credit cards work on UPI (as per RBI guidelines).
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UPI Limit: RBI allows credit card UPI payments up to ₹1 lakh per day.
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Bill Payment: Always repay credit card dues on time to avoid interest.
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Reward Restrictions: Some UPI transactions (e.g. wallet loads) may not earn rewards.
🏁 Final Verdict: Which UPI Credit Card Should You Choose?
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For Premium Users: HDFC Regalia Gold RuPay
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For Cashback Lovers: Axis ACE RuPay (via Google Pay)
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For Online Shoppers: SBI SimplyCLICK RuPay
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For Beginners: BOB RuPay or ICICI Coral RuPay
💬 Need help selecting the right UPI credit card for your needs or app preference? Drop your UPI app, monthly spend, and goals — I’ll help you pick the best one!
