Elite Picks Unveiled: The Best UPI Credit Cards
- Overview
- Take A Glance
- 1. Tata Neu Plus Credit Card
- 2. IRCTC Rupay SBI card
- 3. ICICI Coral RuPay Credit Card
- 4. Axis Bank IOCL RuPay Credit Card
- 5. IRCTC BoB Credit Card
- 6. IndusInd Platinum RuPay Credit Card
- 7. Edge CSB Bank RuPay Credit Card on UPI
- 8. PNB EMT RuPay Credit Card
- 9. Union JCB Wellness Credit Card
- Conclusion
- FAQs
Overview
Hey, let’s talk about something that’s really taking the payment world by storm: UPI transactions. These days, everyone is tapping away on their phones, not just texting or scrolling through memes—nope, they’re paying for just about everything.
From your weekly grocery haul to your monthly insurance premium, UPI payments cover it all.
What’s the big deal, you ask?
Well, UPI is super easy to use, super secure, and super convenient. Imagine linking your RuPay credit card to a UPI app and making payments in a snap without ever having to dig around for your card details again. Sounds good, right?
And if you’re wondering which RuPay credit cards work best with UPI apps, you’re in luck.
We are here to dive into the top contenders that make spending easy and efficient. Ready to find out which card is your best match? Let’s get started and set you up for smoother transactions!
Take A Glance
| Product | Name | Best Suited For |
|---|---|---|
 | Tata Neu Plus Credit Card |
|
 | IRCTC Rupay SBI card |
|
 | ICICI Coral RuPay Credit Card |
|
 | Axis Bank IOCL RuPay Credit Card |
|
 | IRCTC BoB Credit Card |
|
 | IndusInd Platinum RuPay Credit Card |
|
 | Edge CSB Bank RuPay Credit Card on UPI |
|
 | PNB EMT RuPay Credit Card |
|
 | Union JCB Wellness Credit Card |
|
Now, let’s see these top rupay credit cards:
1. Tata Neu Plus Credit Card
Key Features
- Earn 7% NeuCoins on Tata Neu (including 5% with NeuPass membership)
- Earn 2% NeuCoins at Partner Tata Brands for online and in-store purchases
- Earn 2% NeuCoins on bill payments and recharges through Tata Neu
- Earn 1% NeuCoins on other transactions
- Redeem NeuCoins (1 NeuCoin = Rs 1) for purchases at Partner Brands
- Enjoy 1 complimentary lounge access per quarter at domestic airport lounges
- Receive a 1% fuel surcharge waiver
The Tata Neu Plus HDFC Bank Credit Card is like your financial buddy, always ready to sprinkle some extra joy on your purchases. Every 100 rupees you spend earns you 2 NeuCoins, and when you shop within the Tata family, that reward jumps to a cool 5%.
Love a good meal or zipping away on a trip? You’ll catch 3 NeuCoins for every 150 rupees on dining and flights booked through Tata NeuPass.
2. IRCTC Rupay SBI card
Key Features
- Get up to 10% back as Reward Points when booking AC1, AC2, AC3, and AC CC tickets via irctc.co.in and the IRCTC Android app.
- Earn 1 Reward Point for every Rs 125 spent on non-fuel retail purchases and railway tickets on irctc.co.in and the IRCTC Android app.
- Enjoy a 1% saving on transaction fees for railway bookings through irctc.co.in.
- Waive off the 1% fuel surcharge for transactions between Rs 500 and Rs 3000 at all petrol pumps across India (excluding GST and other charges).
- Access 4 free railway lounge visits per year across India, limited to 1 visit each quarter.
Hop aboard the Savings Express with the IRCTC RuPay SBI Card! From the get-go, you’re greeted with 350 activation bonus Reward Points after a single transaction of Rs 500 or more within 45 days of getting your card, except on fuel and cash spends.
Make your travel experiences more rewarding by earning up to 10% value back as Reward Points on ticket bookings through IRCTC’s website and app for AC class or Chair Car, making your adventures not just memorable but incredibly economical.
Plus, enjoy 4 complimentary railway lounge accesses annually, adding a touch of luxury to your journeys. With a minimal annual fee of Rs 500 plus taxes and a renewal fee of just Rs 300, it’s an investment that pays for itself.
3. ICICI Coral RuPay Credit Card
Key Features
- 2 Reward Points for every Rs 100 spent on your card (excluding fuel).
- 1 Reward Point for every Rs 100 spent on utilities and insurance categories.
- One complimentary access to select airport lounges in India every quarter.
- One complimentary access to select railway lounges in India every quarter.
- 25% discount, up to Rs 100, on a minimum purchase of two movie tickets per transaction on BookMyShow & Inox. This offer can be used twice in a month.
- Personal Accident insurance cover of Rs 2 lakhs.
- 24×7 Concierge services.
Let’s talk about the ICICI Coral RuPay Credit Card, your golden ticket to a world of benefits. Picture this: for every Rs 100 you spend, you’re stacking up Reward Points like a pro – two points on most purchases and one point on bills for those essential utilities and insurance. Now, let’s sweeten the pot. Spend your way to Rs 2,00,000 and bask in the glory of 2000 bonus Reward Points, with more to come as your spending scales up within the year.
But wait, there’s more! How about free access to select airport and railway lounges every quarter, making every trip a relaxed one? Love movies? Get ready to save 25% on tickets twice a month. We also care about your safety, so we’re throwing in a Rs 2 lakh accident cover. And for anything else you need, the 24/7 concierge service has got your back.
4. Axis Bank IOCL RuPay Credit Card
Key Features
- Get 100% cashback up to Rs 250 on all fuel purchases within the first 30 days of card issuance.
- Earn 20 reward points for every Rs 100 spent on fuel at IOC Terminals.
- Receive 5 reward points for every Rs 100 spent on Online Shopping, with a minimum transaction size of Rs 100.
- Gain 1 rewards point for every Rs 100 spent on all other purchases, with a maximum eligible spend of Rs 5000 per month.
- Avail a 1% Fuel surcharge waiver for fuel purchases between Rs 200 and Rs 5000.
- Get a 10% instant discount on movie tickets booked through the BookMyshow website.
- Enjoy discounts of up to 15% at partner Restaurants through EazyDiner.
Imagine fueling your vehicle and savings simultaneously with the Axis Bank IOCL RuPay Credit Card. Every time your car eats fuel, you earn a generous 4% value back, including a 1% surcharge waiver on fuel transactions. Plus, for every Rs 100 spent on fuel at IOCL outlets, you score 20 reward points.
Not just at the pump, this card also lets you accumulate 5 reward points for every Rs 100 spent on online shopping. Think of it as your loyal road companion that keeps your wallet happy every mile of the journey.
Want a card that turns the everyday chore of filling up your tank into a rewarding experience? The Axis Bank IOCL RuPay Credit Card might just be what you’re looking for. Why not see where those rewards can take you?
5. IRCTC BoB Credit Card
Key Features
- Up to 40 Reward Points per 100 for train ticket bookings on IRCTC Website & Mobile App
- Save 1% on transaction charges for booking tickets on IRCTC Platform
- Earn 4 Reward Points for every 100 spent on Grocery & Departmental stores
- 2 Reward Points per 100 on other categories
- Up to 4 complimentary access per year at partner railway lounges
- Bonus 1000 reward points on a single transaction of 1000 or more within 45 days of card issuance
The IRCTC BoB Credit Card is definitely worth it for train travel enthusiasts. With this card, you can enjoy a range of exclusive benefits, rewards, and savings on train tickets. Earn up to 40 Reward Points per 100 spent on train ticket bookings through the IRCTC website and mobile app.
Additionally, you can save 1% on transaction charges for booking tickets on the IRCTC platform. The card also offers accelerated rewards for everyday shopping, with 4 Reward Points for every 100 spent on grocery and departmental stores and 2 Reward Points per 100 on other categories.
Enhance your train travel experience with up to 4 complimentary lounge access per year at partner railway lounges. The IRCTC BoB Credit Card is the perfect travel companion with its attractive features and benefits.
6. IndusInd Platinum RuPay Credit Card
Key Features
- Earn 2 Reward Points on every Rs 100 transaction done through UPI
- Earn 1 Reward Point for every Rs 100 on non-UPI transactions
- Enjoy a 1% fuel surcharge waiver on fuel transactions with the card
The IndusInd Platinum RuPay Credit Card offers unique benefits, including easy and secure UPI payments, reward points on both UPI and non-UPI transactions, and a 1% fuel surcharge waiver on fuel transactions. With flexibility in payment options and a range of benefits, this card is designed to provide convenience and rewards to the cardholder.
7. Edge CSB Bank RuPay Credit Card on UPI
Key Features
- Lifetime Free Credit Card. Rs 0 Annual Fee, Rs 0 Renewal Fee. Limited period offer for the first 2 lakh onboarded users.
- Up to 5% cashback on UPI-Credit Card spends on Jupiter app. Get assured cashback for all transactions.
- Flat 1% cashback on all Credit Card transactions.
- Additional 1% cashback after spending Rs 30,000 in a billing cycle.
- 1% fuel surcharge waiver (on transactions between Rs 400 and Rs 3,000). Maximum waiver of Rs 100 per billing cycle.
The Edge CSB Bank RuPay Credit Card on UPI is worth it with its enticing features. As a lifetime free credit card, it offers zero annual and renewal fees for the first 2 lakh onboarded users. Enjoy up to 5% cashback on UPI-Credit Card spends on the Jupiter app, with assured cashback for all transactions.
Plus, get a flat 1% cashback on all credit card transactions and an additional 1% cashback after spending Rs 30,000 in a billing cycle. With a 1% fuel surcharge waiver on transactions between Rs 400 and Rs 3,000, up to Rs 100 per billing cycle, this card provides exclusive benefits and savings.
8. PNB EMT RuPay Credit Card
Key Features
- Annual Fees: Joining fee of Rs 2,000 for primary card (waived if annual spends exceed Rs 100 lakh in the preceding year); no annual or renewal fee for add-on cards
- Welcome Benefits: Voucher worth Rs 3,000 for flights (Rs 500), hotels (Rs 1,000), and holidays (Rs 1,500)
- Transactional Benefits: 10% off up to Rs 1,000 on domestic flight bookings, 20% off up to Rs 5,000 on international flight bookings, and more
- Additional Offering: 300 reward points on activation, insurance coverage up to Rs 2 lakhs for accidental death and personal total disability, complimentary domestic and international airport lounge access
The PNB EMT RuPay Credit Card – a credit card that stands out. With its attractive features and benefits, it’s definitely worth considering. Based on the approved risk underwriting model, enjoy a card limit ranging from Rs 50,000 to Rs 500,000. The annual fee for the primary card is Rs 2,000, which can be waived if your annual spending exceeds Rs 100 lakh in the previous year.
As a welcome benefit, you’ll receive a voucher worth Rs 3,000 for flights, hotels, and holidays. Experience additional perks such as 300 reward points on activation, insurance coverage up to Rs 2 lakhs for accidental death and disability, and complimentary domestic and international airport lounge access.
9. Union JCB Wellness Credit Card
Key Features
- Joining fee: Rs 999
- Complimentary access to domestic and international lounges
- 1 premium health check-up annually, with discounted rates for subsequent check-ups
- 1 premium Spa session per year, with discounted rates on additional sessions
- Complimentary Golf lesson/round yearly, discounted rates for subsequent visits
- 15 days/1-month free Gym membership, with 40-50% discount on membership extension
- Free personal accidental insurance coverage of Rs 10 Lakhs
- Lost Card Insurance Coverage up to Rs 1.50 lakhs
- Earn 4 reward points for every Rs 100 spent on Dining, Shopping, Groceries, Departmental stores, and apparel. Earn 2 points on other non-fuel spends
- Waiver of fuel purchase surcharge, 1% up to Rs 100 per month
The Union JCB Wellness Credit Card is a premium card that offers a range of benefits, making it truly worth considering. With annual benefits worth approximately Rs 22,000 across various services, this card stands out from the rest. Enjoy the perks of airport lounge access, complimentary golf games, discounted programs, spa services, and even complimentary health check-ups. This card is designed to cater to your various needs and offers incredible value.
Conclusion
Wrapping up our journey through multiple options to find the best UPI credit card, it’s clear that there’s no one-size-fits-all answer. Each of the cards we’ve explored, from the Tata Neu Plus Credit Card to the Union JCB Wellness Credit Card, brings its own unique set of perks and privileges tailored to cater to a wide array of needs and lifestyles.
Whether your priority is travel, fuel, wellness, or simply enjoying a seamless shopping experience, a card out there has been crafted just for you.
Remember, the best UPI credit card is the one that aligns perfectly with your lifestyle and allows you to make the most of every transaction. So, choose wisely and let your card open up a world of endless possibilities and rewards.
Happy Spending!
Please read other interesting posts:
FAQs
What makes the Tata Neu Plus Credit Card a must-have?
The Tata Neu Plus Credit Card stands out for avid shoppers. It offers exclusive discounts and rewards across Tata’s vast network of partners, including groceries, electronics, and fashion. Perfect for those who love to combine shopping with earning rewards.
How does the IRCTC Rupay SBI card benefit frequent travellers?
Travel lovers rejoice! The IRCTC Rupay SBI card grants delightful perks like savings on rail bookings, reward points on travel spending, and additional discounts across various travel and dining outlets, making it a worthwhile travel companion.
Why is the IRCTC BoB Credit Card good for rail travellers?
The IRCTC BoB Credit Card is another gem for rail commuters. It provides rewards on bookings made through IRCTC and other lifestyle benefits. It is a true asset for anyone who prefers trains for travel.
