Best RuPay Credit Cards for UPI
Quick answer. As of October 2026, the top 3 on Saifu's best rupay credit cards for upi list are CheQ AU (no annual fee), PhonePe SBI Card SELECT BLACK (₹1,499 a year), Zaggle (no annual fee), ranked from 50 RuPay cards that work on UPI on what they return for ₹30,000 a month spread like a typical everyday spender.
| # | Card | Value a year | Annual fee | Fee waiver | Lounges a year | Forex | Link |
|---|---|---|---|---|---|---|---|
| 1 | CheQ AUAU Small Finance Bank | ₹9,660 | Free | No fee to waive | None | 3.49% | Bank page |
| 2 | PhonePe SBI Card SELECT BLACKSBI Card | ₹8,100 | ₹1,499 | Waived on ₹3,00,000 spend a year | 4 | 3.5% | Bank page |
| 3 | ZaggleAU Small Finance Bank | ₹6,000 | Free | No fee to waive | None | 3.49% | Apply |
| 4 | Tata Neu Infinity HDFC BankHDFC Bank | ₹5,700 | ₹1,499 | Waived on ₹3,00,000 spend a year | 12 | 2% | Apply |
| 5 | Scapia Axis BankAxis Bank | ₹5,640 | Free | No fee to waive | Unlimited | 0% | Apply |
| 6 | HDFC Bank PIXEL PlayHDFC Bank | ₹5,520 | ₹500 | Waived on ₹1,00,000 spend a year | None | 3.5% | Apply |
| 7 | IndianOil RBL Bank XTRARBL Bank | ₹5,520 | ₹1,500 | Waived on ₹2,75,000 spend a year | None | 3.5% | Apply |
| 8 | Kotak Cashback+Kotak Mahindra Bank | ₹5,460 | ₹750 | Waived on ₹2,00,000 spend a year | None | 3.5% | Apply |
| 9 | Kotak Cashback+ PrimeKotak Mahindra Bank | ₹5,460 | ₹750 | Waived on ₹2,00,000 spend a year | None | 3.5% | Bank page |
| 10 | Kotak 811 Dream DifferentKotak Mahindra Bank | ₹5,280 | Free | No fee to waive | None | 2% | Bank page |
| 11 | HSBC RuPay CashbackHSBC India | ₹4,800 | ₹499 | Waived on ₹2,00,000 spend a year | 10 | 3.5% | Apply |
| 12 | Fibe Axis BankAxis Bank | ₹4,320 | Free | No fee to waive | 4 | 3.5% | Bank page |
| 13 | PhonePe SBI Card PURPLESBI Card | ₹4,140 | ₹499 | Waived on ₹1,00,000 spend a year | None | 3.5% | Bank page |
| 14 | Shaurya Select SBI CardSBI Card | ₹4,140 | ₹1,499 | Waived on ₹1,50,000 spend a year | 4 | 3.5% | Bank page |
| 15 | CRED IndusInd Bank RuPayIndusInd Bank | ₹3,761 | ₹499 | No spend waiver | None | 3.5% | Bank page |
Value a year: rewards on ₹30,000 a month spread like a typical everyday spender, minus the annual fee. Lounge visits are domestic plus international free visits a year as the bank lists them; many banks now ask for a minimum spend first. Forex markup is before GST.
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Questions
Which is the best rupay credit card in India?
For ₹30,000 a month spread like a typical everyday spender, CheQ AU returns the most on Saifu's numbers: about ₹9,660 a year after its annual fee. The best card for you depends on where you spend; the card finder ranks cards on your own spends.
How is this list ranked?
Saifu runs each card's reward rules, monthly caps and exclusions from its bank's terms on a sample month of spends, scales it to a year and subtracts the annual fee. No bank pays to be listed or to rank higher.
Your spends are different? Rank cards on your own spends or see the best card for each app.
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