RuPay UPI Credit Card 2026

Running low on your bank balance but still need to make a UPI payment? NPCI offers RuPay UPI credit card which can be linked to your UPI to make payments. Just like any other credit card, the user gets a host of attractive offers like cashbacks and reward points. In 2025, with over 650 million UPI transactions happening daily in India, the RuPay UPI Credit Card ensures instant payments.

Features of RuPay UPI Credit Card

RuPay UPI credit card is widely accepted by merchants across the nation. It aligns with the instant real-time payment system, adding up to the convenience and rewards for users. Here are some of the features that customers enjoy with UPI RuPay credit card:

• Wider Acceptance: Merchants across India are rapidly adopting UPI as a payment method. Hence, you can now pay using your UPI-enabled credit card where the traditional card swipe feature is unavailable. 
• Card Rewards: When you pay using your UPI credit card, you get reward points. For example, some banks offer 2 reward points on payment of just ₹100.
• No Linking Charges: Adding a UPI-enabled credit card does not incur additional charges, which makes this feature more pocket-friendly. 

Steps to Activate Your UPI Credit Card For Payment

Similar to regular UPI setups, credit card UPI also needs a UPI ID and PIN to make payments, and here is how you do it:

• Step 1: Open the BHIM UPI app or any of your preferred apps, such as GPay, PhonePe, etc., to begin.
• Step 2: Head to account settings and look for the option for payment method, or link a UPI credit card.
• Step 3: Enter your UPI credit card details and authenticate them by using the OTP received on your registered number. 
• Step 4: Create your UPI ID, PIN, and scan a merchant’s QR to pay from your credit card.

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Banks Which Offer UPI Credit Cards in 2026

Currently, 28 banks across public, private, and other sectors offer credit cards with UPI functionality. Explore the list, choose the one that suits your needs, and apply for a RuPay credit card to enjoy seamless UPI payments along with all the perks of credit card usage.

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Popular Digital Payment and Financial Apps Supporting UPI Credit Card

The NPCI lists 52 popular apps that support payments using your UPI credit cards. Here is a detailed breakdown of these apps according to their categories:

Upper Limits and Charges Applicable on RuPay UPI Credit Cards

Like any other credit cards, RuPay UPI credit cards have an upper limit and charges applicable. Find the details below:

1. Upper Limit Per Day: 

You can pay at merchant stores with a UPI-enabled credit card for up to ₹1 lakh. For merchants with special codes, the UPI transaction limit is up to ₹2 lakh. 

2. Applicable Charges

For the users, there are no UPI credit card charges. It means a regular cardholder does not need to pay any charges to make a transaction using a QR code. 

However, for the merchants, a minimal interchange fee of 1.1% is applicable for amounts beyond ₹2,000. 

Things to be Mindful of While Using a RuPay UPI Credit Card

• You must not overshoot your assigned credit limit, especially if you have an over-limit feature enabled. This will help keep your expenses under control.
• Check your available credit limit on your card before payments to avoid payment failures.
• Enable the UPI autopay option on your credit card so that you do not miss out on repayments.
• Not all UPI Credit Cards are lifetime free, and you must look for joining and annual charges before applying.

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