SBI RuPay Credit Cards (2026): Which SBI Cards Work on UPI

My honest take on SBI RuPay credit cards

There is no single card called the SBI RuPay credit card. RuPay is a network, like Visa, and SBI issues many cards on more than one. Only the RuPay version links to UPI, and our records list 21 SBI cards on it. Before you pick one, check three things: what it pays on UPI, where that stops, and the spend that removes the fee.

UPI rewards are not automatic. Tata Neu Plus SBI pays 1% on UPI with no monthly cap in our records, so ₹10,000 of scans earns ₹100 a month. Tata Neu Infinity SBI pays 1.5%, but stops at 500 NeuCoins a month, about ₹33,333 of UPI. Reliance SBI Card pays its headline rate only when you swipe or tap; UPI at AJIO and JioMart earns the base rate.

Then the waiver. The ₹499 cards, including Tata Neu Plus and Google Pay Flex SBI, reverse at ₹1 lakh a year, about ₹8,300 a month. Also remember UPI on a credit card pays merchants, not people: you can scan at a kirana, not send money to a friend.

SBI SimplySAVE RuPay credit card: confirm before you apply

This is the biggest search here, and the messiest answer. Our CMS lists a RuPay variant, but SBI's product page lists only Visa and Mastercard, and users report branches promising RuPay and submitting Visa. The SimplySAVE SBI Card earns 10 points per ₹150 on dining, movies, grocery and departmental stores, about 1.67%, and 1 point per ₹150 elsewhere. Users report a redemption fee plus GST each time, so redeem in batches. Need UPI? Get the network in writing first.

SBI BPCL and IRCTC RuPay credit cards

SBI's page lists the BPCL SBI Card on Visa and Mastercard; some holders mention a RuPay version, but users say paying at the pump by UPI does not earn the fuel points. The ₹499 card's waiver moved to ₹1 lakh, per our BPCL waiver update, and our fuel credit cards directory has other options.

Our records list both IRCTC SBI cards on Visa only. For an IRCTC card on RuPay, look at IRCTC BOBCARD (see BOBCARD credit cards) and IRCTC RBL Bank RuPay.

Is any SBI RuPay credit card lifetime free?

Not on standard terms. The cheapest routes are the ₹250 Shaurya SBI Card, waived at ₹50,000 a year for defence and paramilitary personnel, and the ₹499 cards reversed at ₹1 lakh, each with a welcome benefit roughly the size of the fee. For a card that is free outright, see the lifetime free directory and our RuPay credit cards guide.

Frequently asked questions

Which SBI credit cards are RuPay?

Our records list 21, including Tata Neu Infinity, Tata Neu Plus, Google Pay Flex, PhonePe PURPLE, Reliance, SBI MILES, Titan, Shaurya and the PSB, Bank of Maharashtra and City Union Bank partner cards. For SBI's Visa-only cards too, see all SBI credit cards.

Can I link my SBI credit card to UPI?

Yes, if it is the RuPay variant. Add it in Google Pay, PhonePe or BHIM as a RuPay credit card and set a UPI PIN; Visa and Mastercard SBI cards cannot be linked.

Which SBI RuPay credit card is best?

For most people, Tata Neu Plus at ₹499 for flat 1% on UPI, or Tata Neu Infinity at ₹1,499 if you spend ₹25,000 or more a month and shop on Tata brands. Our note on why people pick Tata Neu Infinity SBI goes deeper.

How do I apply for an SBI RuPay credit card online?

Apply on sbicard.com, through Google Pay for the Google Pay Flex card, or ask your bank about partner-bank cards. Choose RuPay and check it on your approval message, because users report asking for RuPay and receiving Visa. Our SBI Card issuer guide covers the rest.

This is my honest read, not formal financial advice. SBI changes its rules often, so check the MITC and the network before you apply.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva