20 UPI Rupay credit cards to earn cashback, rewards

Most of us use UPI for everyday payments such as shopping or eating out. What if making payments via UPI can get you cashback and reward points? This is possible if you make payments using UPI RuPay credit cards. Several leading banks are now offering UPI RuPay credit cards, which combine the convenience of UPI for making payments with the benefits of credit card rewards.

Also read: These credit card deals can help you make most of Amazon Prime Day sales from July 12 to July 14: check details

ET Wealth online provides you with a list of UPI Rupay credit cards that offer cash back, rewards, and airport lounge access.

List of 20 UPI Rupay credit cards


Here is a list of 20 UPI Rupay credit cards where you can earn rewards and cash back based on your spending pattern

If you spend more on fuel and commute cards


Shopping and lifestyle cards:

CRED has shared the data in all the tables mentioned above. The data is as of July 10, 2025.

How to link a UPI RuPay Credit Card on UPI apps like Google Pay and PhonePe?

To link your UPI Rupay credit card on UPI apps such as Google Pay, Phone Pe or BHIM, you are first required to download the desired app. Once the app is downloaded, you must complete the registration process.

On the app, select the UPI Rupay Credit Card option. Enter the credit card details such as credit card number, CVV, expiry date, etc. Verify the card with the OTP and set up the UPI PIN to make payments with the UPI Rupay Credit card.

Once the linking is successful, you can start making payments via UPI Rupay credit cards to make the payment.