RuPay Credit Card on UPI: How It Works, Charges and Best Cards
RuPay credit card on UPI explained: how to link it to GPay, PhonePe or Paytm, charges, limits, what you can and cannot pay, and the best RuPay cards for 2026.
A RuPay credit card can be linked to UPI apps like Google Pay, PhonePe, Paytm and BHIM, so you can scan any shop's QR code and pay from your credit limit instead of your bank balance. You pay no extra fee for this, you still get the interest-free period, and only RuPay credit cards work. Visa and Mastercard credit cards cannot be linked to UPI.
Below are the 6 best RuPay credit cards for UPI in India, what each one offers, and the steps to get one. All six are live on the GroMo app today. Want a no-fee card? Our guide on lifetime free credit cards explains how those work.
| Card | Fee | Key benefit | Best for |
|---|---|---|---|
| Kiwi RuPay Credit Card | Lifetime free | 2x cashback on scan and pay | Everyday UPI spends |
| Jupiter Rupay Credit Card | Check issuer | 10% cashback on top shopping sites | Online shoppers |
| Roarbank UPI Credit Card | Lifetime free | Up to 20% cashback on 2 categories | Cashback seekers, new to credit |
| IndusInd Platinum RuPay | Check issuer | 2x points on weekends, 1.8% forex markup | Weekend spenders |
| Axis My Zone RuPay | Lifetime free | Movie and dining offers | Entertainment |
| SBM Novio RuPay (FD-backed) | Lifetime free | FD from ₹2,000 | No credit history |
Card features come from each issuer's product listing (GroMo catalogue, retrieved 2026-10-14). They change often, so check the issuer's page before you apply.
How this list is ranked: each card is judged on three things only, whether it is lifetime free, how much it pays back on UPI and online spends, and how easy it is to get. Nothing else is used.
1. Kiwi RuPay Credit Card: 2x Cashback on Scan and Pay
Fee: lifetime free, no minimum spend | Rewards: 2x cashback on every scan and pay | Cashback: redeem anytime to your bank
The Kiwi RuPay Credit Card is built for UPI. You get a virtual card quickly, pay through any UPI app, and earn 2x cashback on every scan and pay (Kiwi listing, retrieved 2026-10-14). Cashback can be moved to your bank account anytime, and a PNB-issued Kiwi variant is also available.
How to get the Kiwi RuPay Credit Card:
- Download the Kiwi app and sign up with your mobile number.
- Complete KYC with PAN and Aadhaar.
- Get your virtual RuPay card after approval.
- Link it to your UPI app and start scanning.
2. Jupiter Rupay Credit Card: 10% Cashback on Shopping Sites
Shopping: 10% on Amazon, Flipkart, Myntra and more, up to ₹1,500 | Travel: 5%, up to ₹1,000 | Limit: up to ₹7 lakh
The Jupiter Rupay Credit Card gives 10% cashback on big shopping sites, up to ₹1,500, and 5% on travel sites, up to ₹1,000 (Jupiter listing, retrieved 2026-10-14). Other spends earn 1%. Those rates are among the highest for a RuPay card, and the card also works at any UPI QR code.
How to get the Jupiter Rupay Credit Card:
- Download the Jupiter app and register.
- Apply for the credit card and finish KYC.
- Wait for the issuer's approval and credit limit.
- Link the card to UPI inside the app.
3. Roarbank UPI Credit Card: Up to 20% Cashback
Fee: lifetime free | Rewards: up to 20% cashback on your 2 favourite categories each month | Interest-free: up to 62 days
The Roarbank UPI Credit Card is a 2-in-1 credit card and savings account. You pick 2 categories every month for up to 20% cashback, and the listing says no prior credit history is needed, subject to the bank's check (Roarbank listing, retrieved 2026-10-14). The savings account pays up to 7% a year.
How to get the Roarbank UPI Credit Card:
- Download the Roarbank app and sign up.
- Open the savings account and complete KYC.
- Apply for the UPI credit card.
- Choose your 2 cashback categories after approval.
4. IndusInd Platinum RuPay: 2x Weekend Rewards
Rewards: 2x reward points on weekend spends | Movies: complimentary monthly movie tickets | Forex markup: 1.8%
The IndusInd Platinum RuPay Credit Card suits people who spend more on weekends. You get 2x points on weekends, free monthly movie tickets and 3,000 bonus points on annual spends of ₹5 lakh or more. A 1.8% forex markup is lower than most cards.
How to get the IndusInd Platinum RuPay card:
- Apply online with your mobile number and PAN.
- Share income details if the bank asks.
- Complete KYC.
- Link the card to UPI once it arrives.
5. Axis My Zone RuPay: Lifetime Free With Movie Offers
Fee: lifetime free | Offers: movie and dining benefits | App: managed in the Axis Bank app
The Axis My Zone RuPay Credit Card gives you a well-known bank's card with no annual fee. You get movie and dining offers on partner platforms, and it works both at card machines and at UPI QR codes.
How to get the Axis My Zone RuPay card:
- Apply online with your basic details.
- Complete KYC.
- Wait for Axis Bank's approval.
- Add the card to your UPI app.
6. SBM Novio RuPay: For People With No Credit History
Type: secured, against an FD | Minimum FD: ₹2,000 | Fee: lifetime free
The SBM Novio RuPay Credit Card is the easy route if normal cards keep rejecting you. You open an FD from ₹2,000 (SBM Bank listing, retrieved 2026-10-14), get a lifetime free RuPay card linked to it, and use it on UPI while you build your credit score. Read our full guide to the credit card against FD.
How to get the SBM Novio card:
- Apply with your mobile number and PAN.
- Complete Aadhaar e-KYC.
- Open an FD starting from ₹2,000.
- Link the card to your UPI app.
How Does a RuPay Credit Card on UPI Work?
A RuPay credit card on UPI is your normal RuPay card added as a payment source inside a UPI app. When you scan a merchant QR code, you choose the credit card instead of your bank account, enter your UPI PIN, and the amount goes on your card bill. RuPay is run by NPCI, the same body that runs UPI, which is why only RuPay cards can be connected.
Which credit cards can you link to UPI?
Only RuPay credit cards can be linked to UPI. Visa, Mastercard, American Express and Diners cards cannot. Check the logo on your card: if it says RuPay, you can link it.
How to link a RuPay credit card to Google Pay, PhonePe or Paytm
The steps are almost the same in every UPI app.
- Open your UPI app and go to payment methods.
- Tap Add RuPay credit card.
- Select your card issuer.
- The app finds the card linked to your registered mobile number.
- Enter the last 6 digits of the card and the expiry date.
- Enter the OTP from your card issuer.
- Set a new UPI PIN for this card.
Your UPI mobile number must match the one registered with your card. If the app cannot find the card, update your number with the issuer first.
Credit card UPI payment charges
You do not pay any extra fee for paying a merchant with a RuPay credit card on UPI. Any processing fee, called MDR, is the merchant's cost, and small merchants are not charged on small payments.
| Item | What to know |
|---|---|
| Fee for you | None for merchant payments |
| Interest | Only if you do not pay the full bill by the due date |
| Late payment fee | Same as any card payment |
| Rewards | Set by your issuer, some give less or none on certain UPI categories |
What you can and cannot pay with a credit card on UPI
You can pay shops, kirana stores, restaurants and online checkouts that accept UPI. You cannot send money to friends or family, withdraw cash or move money to your bank account. Normal UPI limits apply, and your card issuer may set its own daily UPI limit.
RuPay credit card on UPI vs UPI from your bank account
| Point | RuPay credit card on UPI | UPI from bank account |
|---|---|---|
| Money comes from | Your credit limit | Your savings balance |
| Pay later? | Yes, by the bill due date | No, paid instantly |
| Send money to people | No | Yes |
| Rewards | Often yes | Rarely |
| Builds credit score | Yes | No |
A third option is a credit line on UPI, a small pre-approved loan you spend through UPI. Read what a credit line is to compare it with a card.
Important Safety Tips
- Never share your UPI PIN or OTP: not even with callers who say they are from your bank.
- No PIN to receive money: a request asking for your PIN to "receive a refund" is a scam.
- Check the merchant name: read the name on screen before entering your PIN.
- Pay the full bill: UPI makes spending easy, and card interest is high if you carry a balance.
- Turn on alerts: switch on transaction alerts and set a daily UPI limit in your issuer's app.
Which RuPay Credit Card Should You Pick?
- Want the simplest UPI card? Kiwi RuPay, lifetime free with 2x scan and pay cashback.
- Shop online a lot? Jupiter Rupay, 10% on top shopping sites.
- Want high cashback on your own categories? Roarbank UPI.
- Spend more on weekends and movies? IndusInd Platinum RuPay or Axis My Zone RuPay.
- No credit history or a low score? SBM Novio RuPay, against a ₹2,000 FD.
A RuPay credit card on UPI turns every QR code into a place where you can use credit, with no extra fee and the same interest-free days. Pick the card that matches how you already spend, keep your PIN safe, and pay the full bill every month.
You can also earn by helping others get one. GroMo is a free app where partners help customers apply for cards, loans and bank accounts, and earn a commission on approval. The Kiwi RuPay Credit Card pays partners ₹500 per approved card (GroMo catalogue, retrieved 2026-10-14).
The Jupiter Rupay Credit Card pays partners ₹500 per approved card (GroMo catalogue, retrieved 2026-10-14).
FAQ: RuPay Credit Card on UPI
Can I link my credit card to UPI?
Yes, if it is a RuPay credit card. Visa, Mastercard and other network cards cannot be linked to UPI.
Is there any charge for paying by credit card on UPI?
No extra charge for you on merchant payments. Interest and late fees apply only if you do not pay your card bill on time.
Can I send money to a friend using a RuPay credit card on UPI?
No. RuPay credit cards on UPI can pay merchants only. Person-to-person transfers are not allowed.
Which UPI apps support RuPay credit cards?
Most large UPI apps, including Google Pay, PhonePe, Paytm and BHIM, plus many bank apps. Some fintech cards like Kiwi have their own app as well.
Do I get reward points on UPI credit card payments?
Rewards depend on your card. Many cards give rewards on UPI spends, but some exclude certain categories. Check your card's reward terms.
Is a RuPay credit card on UPI safe?
Yes, if you protect your UPI PIN. Every payment needs your PIN, and you never need a PIN to receive money.
Can I withdraw cash using a credit card on UPI?
No. Cash withdrawal and transfers to a bank account are not allowed through UPI on a credit card.
How can I earn by referring RuPay credit cards?
Join GroMo as a partner for free, share card links with people who want a RuPay card, and earn when the bank approves the card. See how the GroMo app works for the steps.
GroMo (Vitrak Technologies Pvt Ltd) is a distribution platform. GroMo is not a bank, NBFC, insurer or investment adviser. All products are offered by their respective RBI, IRDAI or SEBI-regulated providers.
Partner earnings depend on effort, product mix and customer eligibility. Any figures shown are illustrative. They are not typical and are not promised.
Sources: GroMo product catalogue, RuPay credit card listings and commission rates, retrieved 2026-10-14. NPCI product information on RuPay credit cards on UPI. Card features, fees, reward rules and UPI limits are set by issuers, NPCI and apps, and change without notice.
Disclaimer
GroMo does not promise any level of income. Card approval, credit limit, interest rates, fees and rewards are at the sole discretion of the issuing bank. GroMo commissions are set by partner banks, vary by product and campaign, and are paid only on approved applications; check the live commission in the GroMo app. GroMo is available only to users aged 18 and above. Everything above is general information, not financial advice.
