Best Credit Cards for QR & UPI Payments in India 2025: Up to 5% Cashback

With India's digital payment revolution, having a credit card that supports QR and UPI payments is essential. Whether you're paying at local stores, ordering food, or shopping online, the right credit card can help you earn rewards and cashback on your UPI transactions. Let's explore the best credit cards for QR and UPI payments in India for 2025.

Why Choose Credit Cards for QR & UPI Payments?

Using credit cards for QR and UPI payments offers several advantages:

• Higher Rewards: Earn up to 5% cashback on UPI transactions
• Zero Merchant Fees: No additional charges for QR code payments
• Enhanced Security: Two-factor authentication for every transaction
• Wide Acceptance: Works at 20+ million UPI merchants across India
• Digital Benefits: Special rewards for digital payments

Key Features to Look for in UPI Credit Cards

When choosing a credit card for QR and UPI payments, consider these important factors:

• Reward Rate: Look for cards offering 2-5% rewards on UPI transactions
• Monthly Caps: Check limits on cashback and rewards (typically ₹500-1,000)
• Supported Apps: Verify compatibility with your preferred UPI apps
• Annual Fees: Compare fees against potential savings
• Additional Benefits: Consider complementary rewards on other categories

Types of UPI Credit Cards

• RuPay Credit Cards:
  • Native UPI support through RuPay network
  • Lower transaction fees
  • Exclusive RuPay rewards
• Visa/Mastercard with UPI:
  • Link with UPI apps for payments
  • Higher reward rates
  • International acceptance
• Co-branded UPI Cards:
  • Enhanced benefits with specific merchants
  • Special discounts on partner platforms
  • Exclusive milestone bonuses

Smart Tips for UPI Card Usage

• App Selection: Use bank's official UPI app for maximum benefits
• Transaction Limits: Monitor daily and monthly UPI limits
• Reward Tracking: Keep track of cashback and reward points
• Security: Enable transaction alerts and OTP verification
• Merchant Offers: Look for special discounts on UPI payments

Latest UPI Card Trends (2025)

• Integration with multiple UPI apps
• Enhanced security features
• Higher reward rates for digital payments
• Special merchant tie-ups
• Instant reward redemption

Common Questions About UPI Credit Cards

Q: Are there any charges for UPI payments?
Most credit cards don't charge additional fees for UPI transactions. However, some banks may levy a small fee for high-value transactions.

Q: Which UPI apps support credit cards?
Most major UPI apps like Google Pay, PhonePe, and Paytm support credit cards. However, reward rates may vary based on the app used.

Q: How much can I save monthly with UPI credit cards?
Regular users can save ₹500-1,000 monthly through cashback and rewards, depending on spending patterns and card benefits.

Here are the Best Credit Cards for QR & UPI Payments: