The cost ecosystem in India has seen a colossal change, due to the hastened adaptation of UPI (Unified Funds Interface). Though UPI was initially related to financial savings accounts solely, the Reserve Financial institution of India’s transfer to open up bank card affiliation with UPI—specifically RuPay bank cards—has ushered in a brand new period of contactless, frictionless funds.
In 2025, some prime banks launched RuPay bank cards that may be linked to UPI platforms corresponding to PhonePe, Google Pay, Paytm, and BHIM. The mix of credit score ease of use and UPI comfort is especially enticing to an growing digitally native viewers who use QR-based funds even for credit score use. Let’s take a look at the highest RuPay bank cards in India with UPI integration capabilities and are thought of this yr.
1. HDFC Financial institution RuPay IRCTC Credit score Card
- Ultimate For: Prepare vacationers and common QR payers.
- UPI Integration: Fully appropriate with UPI apps corresponding to PhonePe and BHIM.
- Main Advantages:
- 5% cashback on IRCTC prepare ticket bookings by way of the IRCTC web site or app.
- 5 occasions reward factors on eating, groceries, and payments.
- 1 reward level for each ₹100 spent elsewhere.
- Zero-cost UPI funds by way of the linked bank card.
- Why It’s Particular: It combines journey rewards with UPI ease. Appropriate for senior residents, working professionals, and college students who journey usually and like on-line funds.
2. SBI RuPay Credit score Card (Cashback Card)
- Greatest For: Cashback on every day UPI-enabled credit score spends.
- UPI Integration: Very simply connectable with PhonePe and Paytm.
- Key Advantages:
- 5% cashback on on-line spends like UPI-based service provider QR funds.
- 1% cashback on different UPI and offline spends.
- Zero becoming a member of and annual charges (in some campaigns).
- Contactless cost facility enabled.
- Why It Excels: Among the many most versatile RuPay playing cards for on-line buying, invoice funds, or retail purchases by way of QR codes by UPI customers.
3. Axis Financial institution RuPay Credit score Card (MY ZONE or Freecharge Card)
- Greatest Appropriate For: Cashback lovers and OTT platform customers.
- UPI Integration: Helps UPI apps corresponding to Google Pay and BHIM.
- Key Advantages:
- MY ZONE: 40% low cost on Swiggy and 1-year SonyLiv Premium membership.
- Freecharge Axis RuPay Credit score Card: 5% money again on Freecharge and associate websites.
- No-cost EMI choice by way of UPI-enabled retailers.
- Why It Stands Out: It offers high-end life-style rewards together with the comfort of UPI—excellent for the city youth and digital buyers.
Additionally learn: Is OneCard the Greatest Steel Credit score Card in India? You’ll Be Shocked!
4. IDFC FIRST Wealth & Choose RuPay Credit score Playing cards
- Greatest For: These having excessive credit score limits preferring digital freedom.
- UPI Integration: May be built-in into UPI apps for cost to retailers.
- High Advantages:
- Curiosity-free money withdrawal of as much as 48 days.
- Dynamic reward program with no finish date.
- No becoming a member of or annual charges.
- Gas surcharge waiver and lounge entry.
- Why It Excels: The RuPay variant gives the identical high-end privileges of Visa/Mastercard however with UPI entry, filling the hole between old-school credit score utilization and the next-generation of cost expertise.
5. BOB Monetary RuPay Credit score Card (Straightforward Card)
- Greatest For: Low annual charge hunters and first-time bank card customers.
- UPI Integration: Useful on BHIM and PhonePe for UPI service provider QR funds.
- Key Advantages:
- 5 occasions reward factors on chosen service provider classes.
- Free insurance coverage cowl.
- EMV chip safety and UPI compatibility.
- Low becoming a member of and renewal charges.
- Why It Stands Out: Financial institution of Baroda’s primary RuPay card gives handy entry to UPI credit score funds for rural and semi-urban prospects who wish to set up a credit score historical past.
6. Kotak Mahindra Financial institution RuPay Credit score Playing cards
- Greatest For: All-rounders looking for steadiness between rewards and UPI entry.
- UPI Integration: Accessible on Paytm, Google Pay, PhonePe, and BHIM.
- Key Advantages:
- Milestone and cashback rewards.
- EMIs for UPI credit score transactions.
- Eating and leisure gives.
- Safe on-line administration and UPI monitoring.
- Why It Stands Out: Kotak has designed its RuPay bank cards to steadiness flexibility with affordability, focusing on salaried prospects and digital-native prospects.
How UPI Integration is Completed with RuPay Credit score Playing cards
- Open a UPI app (PhonePe, Google Pay, and so forth.).
- Go to “Fee Strategies” or “Hyperlink Credit score Card.”
- Choose “RuPay Credit score Card” choice.
- Present card particulars and authenticate with OTP.
- Upon getting linked your card, you are able to do QR-based funds utilizing your credit score restrict.
Notice: Cash switch to people or withdrawal of money by way of UPI by way of bank cards shouldn’t be permitted.
Benefits of Utilization of RuPay Credit score Playing cards by way of UPI
- Common QR Acceptance: Make funds at any service provider with a UPI QR code—even the neighborhood chaiwala.
- Credit score + Digital Convergence: Get reward factors, EMI decisions, and cashback whereas buying digitally.
- Protected Funds: UPI funds are secured by way of gadget lock and UPI PIN.
- Price range Management: Actual-time transaction monitoring on UPI apps assists in spending management.
Final Phrases
As India shifts in the direction of a cashless economic system, RuPay bank cards with UPI connectivity current a smart mixture of comfort, safety, and monetary rewards. Whether or not you’re a cashback shopper, a accountable spender, or a first-time credit score person, there’s a RuPay card that fits your style in 2025. Earlier than deciding on, bear in mind your bills, what rewards are necessary to you, and your most steadily used UPI app. With the correct card, every QR scan turns into a transfer in the direction of wiser monetary freedom.
Written by Pydimarri Hema Harshini
