#1
HSBC
HSBC RuPay Cashback Credit Card
10% cashback on food & groceries, and it works on UPI
₹499 joining + ₹499 annualWorks on UPICashbackUPI (RuPay)
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Best cards
Best credit cards for UPI (RuPay) in India (2026)
Only RuPay credit cards link to UPI apps. These are the ones worth linking — and the reward exclusions to read first.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HSBC
HSBC RuPay Platinum Credit Card
Lifetime-free RuPay card that works with UPI apps
Lifetime freeWorks on UPIUPI (RuPay)Lifetime free
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#3
HDFC Bank
HDFC UPI RuPay Card
A low-fee credit card you can use on UPI
₹99 + GST a yearWorks on UPIUPI (RuPay)Under ₹500 a year
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HSBC RuPay Cashback Credit CardHSBC | ₹499 joining + ₹499 annual | 10% cashback on food & groceries, and it works on UPI | Yes |
| HSBC RuPay Platinum Credit CardHSBC | Free | Lifetime-free RuPay card that works with UPI apps | Yes |
| HDFC UPI RuPay CardHDFC Bank | ₹99 + GST a year | A low-fee credit card you can use on UPI | Yes |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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