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Best UPI in India 2026

Compare the best upi in India. 1 cards ranked by our experts.

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Best for: UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
HDFC Bank UPI RuPay Biz

HDFC Bank UPI RuPay Biz

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹0.25/₹100

#85

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Cashback, Entry Level, RuPay, Shopping, UPI
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CardNitty's take

Pros

  • CashPoints earned on both UPI and regular spends
  • Low annual fee of Rs.250 with easy Rs.25,000 spend waiver
  • 3% CashPoints on groceries, dining and PayZapp
  • Virtual card reduces theft and fraud risk
  • Interest-free period of up to 50 days

Cons

  • Low effective reward rate (0.25% to 0.75%)
  • No physical card issued
  • No lounge access or travel benefits
  • Issued only as add-on to existing HDFC card
  • Monthly caps of 500 CashPoints per category
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