Credit cards that give rewards on UPI payments

Only 15 of the 173 credit cards we could score pay anything on UPI payments. The other 158 pay ₹0. Tata Neu Infinity SBI Card pays the most: about ₹900 a year on ₹5,000 a month, which is 1.5% back. PhonePe HDFC Bank Ultimo Credit Card comes next at ₹600.

How this was worked out: ₹5,000 a month on UPI payments, as part of an ordinary ₹50,000 month. Only cards that pay anything on UPI payments are listed, ranked by what they pay on it. Figures are the rewards each card pays on this spending in a year, before any annual fee. Read from the banks' own pages, last on 2026-09-30.

The top 15

  1. Tata Neu Infinity SBI Card (SBI Card, ₹1,499 a year): ₹900 a year, 1.5% back. Pays 1.5% back on UPI payments.
  2. PhonePe HDFC Bank Ultimo Credit Card (HDFC Bank, ₹999 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  3. IDFC FIRST Hello Cashback Credit Card (IDFC FIRST Bank, ₹1,000 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  4. Tata Neu Plus SBI Card (SBI Card, ₹499 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  5. IDFC FIRST Quantum+ Credit Card (IDFC FIRST Bank, Free forever): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  6. IDFC FIRST EA₹N Credit Card (IDFC FIRST Bank, ₹499 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  7. PhonePe HDFC Bank Uno Credit Card (HDFC Bank, ₹499 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  8. RBL Bank SalarySe UP Credit Card (RBL Bank, ₹499 a year): ₹600 a year, 1% back. Pays 1% back on UPI payments.
  9. Kotak Cashback+ Credit Card (Kotak Mahindra Bank, ₹750 a year): ₹300 a year, 0.5% back. Pays 0.5% back on UPI payments.
  10. Kotak Cashback+ Prime Credit Card (Kotak Mahindra Bank, ₹750 a year): ₹300 a year, 0.5% back. Pays 0.5% back on UPI payments.
  11. Kotak UPI RuPay Credit Card (Kotak Mahindra Bank, Free forever): ₹180 a year, 0.3% back. Pays 0.3% back on UPI payments.
  12. HDFC Bank UPI RuPay Credit Card (HDFC Bank, ₹99 a year): ₹150 a year, 0.25% back. Pays 0.25% back on UPI payments.
  13. HDFC Bank UPI RuPay Mega Saver Credit Card (HDFC Bank, ₹99 a year): ₹150 a year, 0.25% back. Pays 0.25% back on UPI payments.
  14. Axis Bank Kwik Credit Card (Axis Bank, Free forever): ₹120 a year, 0.2% back. Pays 0.2% back on UPI payments.
  15. RBL Bank QuickPay Credit Card (RBL Bank, ₹99 a year): ₹75 a year, 0.13% back. Pays 0.13% back on UPI payments.

Your spending is not this spending. Put in your own numbers and the ranking re-sorts for you, with the working shown for every card.

Common questions

Which credit cards give rewards on UPI payments?

Only 15 of the 173 credit cards we score pay anything on UPI payments. The top three are Tata Neu Infinity SBI Card (₹900 a year), PhonePe HDFC Bank Ultimo Credit Card (₹600 a year), IDFC FIRST Hello Cashback Credit Card (₹600 a year). The other 158 pay ₹0.

How are these figures worked out?

SahiCard takes each card's reward rates, monthly caps, excluded categories, foreign currency markup and annual fee from the bank's own pages and terms, applies them to the spending above, and shows the rupees left in a year. Cards are read from the banks' pages, last on 2026-09-30.

Will my result be different?

Probably, a little. Caps and bonus rates depend on where you spend, not just how much. Put in your own monthly spend by category on SahiCard to see your ranking.

Does a bank pay to be ranked higher?

No. SahiCard is independent: no bank pays us, sponsors us or sees what you type. The ranking is only the arithmetic.

Is this financial advice?

No. It is information worked out from each bank's published terms. Eligibility, approval and offers are set by the bank, so check the bank's own page before you apply.

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