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Top 5 RuPay Credit Cards for UPI Payments: UPI Par Cashback Aur Rewards Pane Ka Tarika



Bharat me UPI (PhonePe, Google Pay, Paytm) se payment karna har kisi ki aadat ban chuka hai. Lekin pehle UPI sirf savings account se juda hota tha, jisse har payment par bank balance hi kat-ta tha. Ab RBI aur NPCI ne RuPay Credit Cards ko UPI se link karne ki suvidha shuru kar di hai.

Iska sabse bada fayda yeh hai ki aap dukandar ke QR code ko scan karke direct credit card se payment kar sakte hain aur har transaction par Cashback aur Reward Points pa sakte hain. Is guide me hum Bharat ke top 5 RuPay credit cards ke features aur charges ko compare karenge.

UPI Se RuPay Credit Card Link Karne Ke Fayde

  • Har Chhote Kharch Par Rewards: Chai-nashte se lekar kirana store tak ke scan-and-pay par reward points milte hain.
  • Bank Balance Surakshit: Aapka bank account direct exposed nahi hota, jisse online fraud ka risk kam rehta hai.
  • 45-50 Dino Ka Byaj-Mukt Samay: Cash ki kami hone par bhi aap UPI scan karke shopping kar sakte hain aur bill agle mahine pay kar sakte hain.

Top 5 Best RuPay Credit Cards (2026 List)

1. Tata Neu Plus HDFC Bank RuPay Credit Card

  • Best For: UPI spends aur Tata brands par shopping.
  • Key Benefits: Har UPI transaction par 1% NeuCoins milte hain. Tata Neu app par spends karne par 2% se zyada value back milta hai.
  • Joining / Annual Fee: ₹499 + GST (Saal me ₹1 lakh kharch karne par fee waive-off).

2. Kiwi Axis Bank RuPay Credit Card (Virtual)

  • Best For: 100% digital aur physical card ki zaroorat na hone walon ke liye.
  • Key Benefits: Kiwi app ke zariye har UPI payment par seedha 1% se 2% tak ka cashback milta hai. Instant approval process hota hai.
  • Joining / Annual Fee: Zero (Lifetime Free virtual card option ke sath uplabdh).

3. HDFC Bank UPI RuPay Credit Card (Virtual Add-On)

  • Best For: Un logo ke liye jinke paas pehle se koi HDFC credit card hai.
  • Key Benefits: Aapke existing credit limit ke sath share hota hai. Har UPI kharch par cashpoints milte hain jinko statement balance me convert kiya ja sakta hai.
  • Joining / Annual Fee: ₹250 se ₹499 (Aksar pre-approved customers ke liye First Year Free milta hai).

4. Punjab National Bank (PNB) RuPay Platinum Card

  • Best For: Sarkari bank ke bharosemand aur low-cost card chahne walon ke liye.
  • Key Benefits: Merchant QR code scan par reward points, sath me domestic airport lounge access ke offers bhi shamil hote hain.
  • Joining / Annual Fee: Bahut kam charges (₹250 - ₹500) aur spending targets par waiver milta hai.

5. ICICI Coral RuPay Credit Card

  • Best For: Entertainment (Movie tickets) aur daily utility bill payments.
  • Key Benefits: BookMyShow par discounts, petrol pump par 1% fuel surcharge waiver, aur UPI transactions par Reward Points.
  • Joining / Annual Fee: ₹500 + GST.

RuPay Credit Card Ko UPI App Se Kaise Jodein?

Card approve hone ke baad use UPI app se link karna behad aasan hai:

  1. Apna UPI app (PhonePe / Google Pay / Paytm) kholein.
  2. Apne Profile section me jakar "Link RuPay Credit Card" ya "Add Credit Card on UPI" chunein.
  3. Apna bank (jaise HDFC, Axis, ya PNB) select karein.
  4. Aapka card screen par dikhai dega; card ke aakhri 6 digit aur expiry date daal kar UPI PIN set karein.
  5. Ab kisi bhi dukandar ke QR code ko scan karte waqt apna RuPay Card select karein aur PIN daal kar payment complete karein.

Dhyan Rakhne Yogya Baatein

RuPay credit card se aap sirf Merchant QR codes (Dukandar / Business QR) par hi payment kar sakte hain. Aap kisi dost ya vyakti ke Personal QR code par credit card se paise transfer (P2P transfer) nahi kar sakte.

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