In an era dominated by digital transactions, online communication, virtual coaching classes, and electronic document storage, carrying a physical credit card everywhere can feel increasingly outdated. To match this shift, numerous credit cards now offer the convenient option of linking directly to mobile payment applications like PhonePe, Paytm, and BHIM.
For individuals planning to apply for a new credit card, several top tier choices offer seamless integration with UPI payments along with rewarding financial perks.
Tata Neu Infinity HDFC Bank Credit Card
The Tata Neu Infinity HDFC Bank Credit Card comes with a joining fee of Rs 1499, which includes applicable taxes. Cardholders can save up to 10 percent on Tata Neu spends and earn around a 5 percent value-back on other purchases. Users also enjoy complimentary worldwide airport lounge access.
HDFC MoneyBack+ Credit Card
The HDFC MoneyBack+ credit card is available with a low joining and annual fee of Rs 500. Users can earn up to 10x rewards across multiple brands and enjoy an extra 10 percent discount through Swiggy Dineout.
Airtel Axis Bank Credit Card
The Airtel Axis Bank credit card provides a 25 percent cashback on the Airtel Thanks App and roughly 10 percent cashback on Zomato spends. Cardholders also earn around 10 percent cashback on utility bill payments. The card carries a joining fee and a renewal fee of Rs 500 each, with taxes excluded.
ICICI HPCL Super Saver Credit Card
The ICICI HPCL Super Saver credit card delivers 5 percent cashback on HPCL fuel purchases, annual domestic lounge visits, and approximately a 25 percent discount on BookMyShow and INOX. It requires a joining fee of Rs 500 and a renewal fee of Rs 500, excluding taxes.
Yes Bank PaisaSave Credit Card
The Yes Bank PaisaSave credit card features a 6 percent cashback offer on travel expenses, 6 percent cashback on dining transactions, and about 1 percent cashback on all UPI transfers. The card is offered with a zero joining fee and an annual renewal fee of Rs 499, excluding taxes.
