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Credit Card on UPI: Which Cards Work, and Is It Worth It?

RuPay credit cards can now be used on UPI. Here's who benefits most and whether you should switch to a RuPay card.

Creget Research 2 Apr 2026 4 min read

What Works Today

As of April 2026, RuPay credit cards from HDFC, SBI, ICICI, Axis, Kotak, and IDFC FIRST are live on UPI across GPay, PhonePe, and Paytm. Visa and Mastercard credit cards are not supported on UPI — only RuPay.

The Practical Value

The ability to pay QR-code merchants (small shops, auto drivers, street vendors) using your credit card is genuinely useful. These merchants previously could only accept UPI debit transfers. You earn credit card rewards on these transactions and get the credit card's billing cycle float.

Should You Switch to RuPay?

If your current credit card is on Visa or Mastercard and you want UPI functionality, check if your issuer offers a RuPay variant of the same card. Axis ACE RuPay, HDFC Millennia RuPay, and Amazon Pay ICICI RuPay are popular options. The rewards and benefits are typically equivalent.

UPIcredit cardRuPaypayment

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