Top Credit Cards For UPI Payments In 2026 With Complete Feature List

Explore the leading credit cards that support UPI transactions in 2026, featuring top banking options with cashback, rewards, and lounge access.

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coaching classes, and electronic document storage, carrying a physical credit card everywhere can feel increasingly outdated.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.

What this means for you
Integrating credit cards with UPI streamlines everyday transactions, merging the reward benefits of plastic money with the universal acceptance of mobile QR codes.

• Across India: Users can make seamless merchant payments by scanning QR codes directly through apps like PhonePe or Paytm without needing the physical card, while still earning reward points.
• Financial Impact: Because these cards carry specific joining fees, renewal charges, and reward structures, consumers should evaluate their annual spending patterns to ensure the fee is outweighed by the cashback earned.

Questions & Answers

1. Which credit cards support UPI payments?
Cards such as the Tata Neu Infinity HDFC Bank, HDFC MoneyBack+, Airtel Axis Bank, ICICI HPCL Super Saver, and Yes Bank PaisaSave support UPI transactions.

2. What is the joining fee for the Tata Neu Infinity HDFC Bank Credit Card?
The card comes with a joining fee of Rs 1499, which includes taxes.

3. What cashback does the Airtel Axis Bank credit card offer?
It offers 25 percent cashback on the Airtel Thanks App and approximately 10 percent cashback on Zomato and utility bill payments.

4. What is the annual renewal fee of the Yes Bank PaisaSave credit card?
The card features zero joining fee and an annual renewal fee of Rs 499, excluding taxes.

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