RuPay Credit Cards on UPI
RuPay credit cards can be linked to UPI apps, so you can pay any merchant who accepts UPI by scanning a QR code — and the payment is charged to your credit card instead of your bank account. You get the interest-free period and rewards of a credit card with the convenience of UPI.
Compare RuPay credit cards available through ClickPe below, including lifetime-free options.
Compare rupay credit cards on upi offers
Figures are taken from each issuer's official website on the date shown. Your actual fees and limit depend on your profile and are confirmed by the bank.
| Card | Issuer | Joining fee | Annual fee | Best for |
|---|---|---|---|---|
| KIWI Rupay Credit Card As of Nov 2026 · source | Issued by partner banks (YES Bank, Punjab National Bank, AU Small Finance Bank); Kiwi app operated by Gokiwi Technologies Pvt Ltd | Free | Free | Paying by credit card on UPI |
Who is it for?
- People who pay mostly by UPI and want a credit period on those spends
- Shoppers at small merchants who accept UPI but not cards
- First-time cardholders looking for a simple, often lifetime-free card
Key features
Works on UPI
Link the card in a supported UPI app and pay merchants by QR code.
Credit period and rewards
UPI spends are billed on your card statement with the usual interest-free period; rewards depend on the card.
Merchant payments
Credit card on UPI is for paying merchants; person-to-person transfers are not allowed.
Eligibility
- Bank's age and income criteria
- Acceptable credit score (or FD for secured RuPay cards)
- A supported UPI app and mobile number linked to the card
Documents required
- PAN card
- Aadhaar or address proof
- Income proof where required
Credit card interest calculator
- Interest charged
- ₹1,849
- Interest + 18% GST
- ₹2,182
- Equivalent annual rate
- 45.0% p.a.
How to apply
- Choose a RuPay credit card below.
- Apply and complete KYC with the bank.
- After activation, add the card in a supported UPI app and set a UPI PIN.
- Scan any merchant QR to pay with your credit card.
How credit cards on UPI work
NPCI allows RuPay credit cards to be linked to UPI for payments to merchants. Small merchants generally do not pay a fee on low-value RuPay credit card UPI payments, which is why acceptance is wide. Rewards on UPI spends vary by card — some issuers exclude certain categories — so check your card's terms.
Treat UPI spends like any card spend: they add to your bill, and unpaid amounts attract interest.
Frequently asked questions
Can I send money to friends using a RuPay credit card on UPI?
No. Credit cards on UPI can only be used to pay merchants, not for person-to-person transfers.
Do I earn rewards on UPI payments with a RuPay credit card?
Many cards offer rewards on UPI spends, but rates and exclusions vary by issuer. Check the card's reward terms.
Which UPI apps support RuPay credit cards?
Most major UPI apps support linking RuPay credit cards. The bank's app usually lists supported apps.
Related
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