RuPay Credit Cards on UPI (2025): Full Bank List, Best Cards, Limits, Fees, Rewards & How to Link
Answer at a glance: In 2025, RuPay credit cards supported by 23 leading banks—including HDFC, ICICI, SBI Card, Axis, IDFC FIRST, YES BANK, and Federal Bank—can be seamlessly linked to major UPI apps like PhonePe, Google Pay, and Paytm. Users can enjoy category-specific rewards, subject to monthly caps and common fees (usually no extra charges for UPI usage). Linking involves a simple process via supported UPI apps, and awareness of reward exclusions and limits is key to maximizing benefits. More banks are onboarding continuously, so keep updated with official NPCI/RuPay sources.
Table of Contents
- Complete Bank List Supporting RuPay Credit Cards on UPI
- Step-by-Step Guide: How to Link Your RuPay Credit Card to UPI
- Rewards and Common Exclusions on RuPay UPI Credit Cards
- Best RuPay UPI Credit Cards in 2025 by Use Case
- Important Limits, Fees & Monthly Caps to Know
- Instant and Virtual RuPay Cards for Quick UPI Linking
- RBI & Bank Rule Changes Impacting RuPay UPI Credit Cards
- Troubleshooting Common Issues When Linking Credit Cards on UPI
- Frequently Asked Questions
- Conclusion & Next Steps to Maximize Your RuPay UPI Credit Card
Complete Bank List Supporting RuPay Credit Cards on UPI
As per official NPCI updates in 2025, the following 23 banks have live RuPay credit card integration for UPI payments:
- HDFC Bank
- ICICI Bank
- State Bank of India (SBI Card)
- Axis Bank
- IDFC FIRST Bank
- YES BANK
- Federal Bank
- Bank of Baroda Financial
- AU Small Finance Bank
- IndusInd Bank
- Kotak Mahindra Bank (select cards)
- Union Bank of India (select cards)
- Bank of India (select offerings)
- Central Bank of India (pilot phase)
- ICICI Lombard (partner specific card)
- Punjab National Bank (restricted cards)
- South Indian Bank
- IDBI Bank
- Canara Bank (select cards)
- UCO Bank
- City Union Bank
- RBL Bank (pilot stage)
- Standard Chartered Bank (limited cards)
Note: This list is growing. Check NPCI's official RuPay credit card UPI page regularly for the latest updates.
Step-by-Step Guide: How to Link Your RuPay Credit Card to UPI
Linking your RuPay credit card to popular UPI apps is straightforward. Follow these steps:
- Open your preferred UPI app (e.g., PhonePe, Google Pay, Paytm).
- Navigate to Add Payment Method or Link Bank Account/Card.
- Select Link Credit Card option.
- Choose your issuing bank from the list (only banks live on NPCI's RuPay UPI integration appear).
- Enter your RuPay credit card number, expiry date, and CVV securely.
- Verify your identity via OTP or app-based verification.
- Set or confirm your UPI PIN.
- Once linked, use your RuPay credit card to make UPI payments anywhere UPI is accepted.
Example: YES BANK allows instant linking of newly issued RuPay credit cards via PhonePe by verifying card details and OTP within minutes, enabling immediate UPI transactions.
Rewards and Common Exclusions on RuPay UPI Credit Cards
RuPay credit cards linked to UPI offer exciting cashback and rewards but come with important exclusions and monthly caps you should know.
- Common Reward Categories: Grocery shopping, dining, online purchases, bill payments (depending on issuer).
- Excluded Categories: Rent payments via UPI, wallet reloads, government payments, insurance premiums, education fees often do not earn rewards.
- Monthly Caps: For example, HDFC RuPay UPI cards cap cashback at ₹800 per month; YES BANK caps some rewards at ₹500 monthly.
- Transaction Limits: Per-transaction limits often range ₹2,000–₹10,000, varying by bank and card variant.
Read your issuer’s terms carefully and monitor monthly reward statements to maximize benefits.
Best RuPay UPI Credit Cards in 2025 by Use Case
Best for Cashback & Rewards
- HDFC Bank RuPay UPI Credit Card: Great cashback on groceries, rewards up to ₹800 monthly, and no annual fees on select variants.
- ICICI Instant Platinum RuPay Card: Instant issuance, decent reward points, suitable for first-time credit users.
Best Instant & Virtual Cards
- YES BANK RuPay Credit Card: Quick virtual card issuance, ideal for immediate UPI linking and fast payments.
- Federal Bank RuPay Credit Card: Fast processing, seamless online linking, with decent reward structure.
Best Secured Cards for New-to-Credit Users
- SBI Advantage Plus RuPay Card: FD-backed secured card with UPI compatibility, designed for credit novices.
- Axis Bank Insta Easy RuPay Card: Secured card with UPI linking, good for building credit history safely.
Important Limits, Fees & Monthly Caps to Know
Understand the financial boundaries to effectively use RuPay UPI credit cards:
| Bank/Card | Daily UPI Txn Limit | Monthly Cashback/Rewards Cap | UPI Transaction Fee | Annual Fee |
|---|---|---|---|---|
| HDFC RuPay UPI Credit Card | ₹10,000 | ₹800 | ₹0 (usually) | ₹0-₹499 variant dependent |
| YES BANK RuPay Credit Card | ₹5,000 | ₹500 | ₹0 | ₹299-₹999 |
| ICICI Instant Platinum | ₹10,000 | Variable | ₹0 | ₹0 for first year |
Note: Merchant Discount Rate (MDR) charges may apply on some UPI payments, but credit card MDR is often absorbed by banks or waived, check issuer terms for details.
Instant and Virtual RuPay Cards for Quick UPI Linking
Many banks now offer instant virtual RuPay credit cards, enabling you to start UPI payments immediately without waiting for physical card delivery. Advantages include:
- Immediate card number and CVV issued digitally
- Faster enrollment and UPI linking
- Easy management via mobile apps
- Security benefits of virtual card numbers
Banks offering instant/virtual RuPay credit cards include YES BANK, ICICI Bank, Federal Bank, and IDFC FIRST.
RBI & Bank Rule Changes Impacting RuPay UPI Credit Cards
Important regulatory and policy updates in 2025:
- RBI Merchant Discount Rate Caps: Encourage wider UPI acceptance with minimal charges.
- Reward Restriction Policies: Some banks tightened exclusion of rent, government payments, and wallet reloads from rewards to comply with RBI guidelines.
- Mandatory Merchant Disclosure: Merchants must clearly indicate if MDR is charged for credit card UPI payments.
- Enhanced Digital KYC: Streamlined approvals for instant virtual RuPay credit cards.
Stay updated on issuer announcements to not miss changes affecting your card benefits.
Troubleshooting Common Issues When Linking Credit Cards on UPI
Common problems and solutions:
- Card not showing on bank list: Confirm bank has gone live for RuPay credit cards on UPI. Update your UPI app.
- Name mismatch error: Ensure cardholder name exactly matches your bank KYC details.
- Card unsupported: Only RuPay credit cards from live banks are eligible, Visa/MasterCard variants don’t work yet.
- PIN not set: Set/activate your RuPay credit card PIN with your bank before linking.
- UTR/reference errors: Retry linking after restarting app or clearing cache.
Contact your issuer’s customer care if issues persist or check NPCI RuPay FAQ pages.
Frequently Asked Questions
- Which banks currently support RuPay credit cards on UPI in 2025?
- 23 leading banks including HDFC, ICICI, SBI Card, Axis, Federal Bank, IDFC FIRST, YES BANK, and more have live RuPay credit card UPI support.
- How can I link my RuPay credit card to UPI apps?
- You link your credit card via 'Add payment method' in UPI apps, select your issuing bank, enter card details, verify with OTP, and set a UPI PIN.
- Are all RuPay credit cards eligible for UPI payments?
- No, only cards from banks live on RuPay UPI integration are eligible. Check official lists regularly.
- What are common limits, fees, and reward caps for RuPay UPI credit cards?
- Limits vary by bank (daily ₹2,000–₹10,000), most have no extra UPI fees; reward caps range from ₹500 to ₹1,000 monthly.
- What are the best RuPay UPI credit cards available in India in 2025?
- Top choices include HDFC RuPay UPI Credit Card, ICICI Instant Platinum, YES BANK RuPay Credit Card, and SBI Advantage Plus secured card.
Conclusion & Next Steps to Maximize Your RuPay UPI Credit Card
RuPay credit cards on UPI are transforming payments in India by combining traditional credit benefits with UPI’s convenience. By choosing the right RuPay credit card from a live issuer, linking it correctly to your preferred UPI app, and understanding reward structures and limitations, you can make the most out of this payment revolution in 2025.
Stay updated on bank announcements and RBI notifications, monitor your reward caps, and use UPI payments strategically across categories eligible for cashback or points. Don’t miss out on instant, digital, and virtual RuPay card options to jump-start your credit card UPI journey with minimal wait.
For personalized card recommendations and application assistance, visit CreditPlanner.in — your trusted guide to smarter credit and payments in India.
