You can link a RuPay credit card to Google Pay, PhonePe or Paytm and pay by scanning a QR code. Visa and Mastercard credit cards cannot be linked.
Two things to know: many issuers exclude UPI spends from reward earning above a small monthly cap, and small merchants may be categorised in ways that void rewards entirely. Check the reward table before you treat it as your main UPI method.
Cards mentioned
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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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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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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