Best RuPay credit cards for UPI payments with Metra Trust

Meera is looking for her first credit card. With the growing popularity of UPI payments, she wants a card that offers the convenience of digital transactions. But Meera is also new to credit cards, so a secured option with manageable fees is important. Luckily, Metra Trust offers a variety of RuPay credit cards, including some that perfectly match Meera’s needs.

Let’s explore these cards to help Meera (and you!) find the best RuPay credit card for UPI based on your financial goals.

Discovering Metra Trust RuPay Credit Cards
 

Metra Trust has the following options for RuPay credit cards –

• FIRST EA₹N Credit Card

This is a virtual secured RuPay Credit Card that offers cashback on all purchases made online. It’s perhaps the first and only credit card in India to do so. Since it’s backed by a FD, you don’t need any income or CIBIL score to get this card.

What makes this the best RuPay credit card for UPI?

-  100% cashback up to ₹200 on first four UPI transactions done within fifteen days of card generation via Metra Trust mobile banking app

-  1% cashback on UPI spends on Metra Trust App

-  0.5% cashback on other UPI apps, insurance, utility bills

- 0.5% cashback on your e-commerce spending

-  25% discount up to ₹100 on Paytm movie tickets

-  Earn interest of 7.25% p.a. on your fixed deposit

-  No income proof or CIBIL score required to get the card

This card is great option for those who are new to credit, such as students, homemakers, freelancers and new jobbers.

• FIRST Power Credit Card

This credit card offers significant savings on your fuel expenses. Moreover, it comes with rewards on your everyday expenses, such as FASTag recharges, groceries, and utilities.

What makes this the best RuPay credit card for UPI?

- Welcome benefits worth ₹2,250

- Up to 5% savings on fuel expenses

- 2.5% savings n groceries, utilities, and FASTag recharge on  card transactions

- 2X rewards on other retail transactions and UPI spends

- Complimentary roadside assistance worth ₹1,399

- Personal accident cover of ₹2 lakhs and lost card liability cover of ₹25,000

- 0% interest on UPI purchases and ATM cash withdrawals until due date

This card is a good fit for frequent travellers who want a budget-friendly UPI credit card with primary fuel-saving benefits.

• FIRST Power+ Credit Card

This premium version of the FIRST Power Credit Card has higher rewards, additional lifestyle privileges, and higher cashback offers.

What makes this the best RuPay credit card for UPI?

- Welcome benefits worth ₹2,500

- Up to 6.5% savings on fuel expenses of up to ₹18,500 annually

- 5% savings as rewards on groceries, utilities, and FASTag recharge for both card transactions and UPI spends

- 3X rewards on other retail transactions and UPI spends

- 0% interest on UPI purchases and ATM cash withdrawals until due date

- Complimentary roadside assistance worth ₹1,399

- Personal accident cover of ₹2 lakhs and lost card liability cover of ₹25,000

- One complimentary domestic airport lounge access per quarter

- 25% off on movie tickets (once a month)

This UPI card is ideal for those with larger fuel spending and who desire additional lifestyle perks like airport lounge access and movie discounts.

• FIRST Digital RuPay Credit Card

The FIRST Digital RuPay Credit Card is a digital extension of your Metra Trust Credit Cards, such as FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private and FIRST SWYP credit cards.

What makes this the best RuPay credit card for UPI?

- Digital card only

- 3X rewards on UPI spends above ₹2,000

- 1X rewards on UPI spends below ₹2,000

- 1X rewards on all utility and insurance payments

- Links to popular UPI apps (BHIM, PhonePe, GPay, and more)

- 100% cashback up to ₹200 on first 4 UPI transactions

This credit card is perfect for those who prioritise UPI payments. They also want to maximise the benefits of digital RuPay credit cards with rewards on everyday digital transactions.

How to choose the best RuPay credit card for UPI
 

The best RuPay credit card for UPI depends on your spending habits and priorities. Here’s a quick comparison to help you choose –

The takeaway
 

The best RuPay credit card for UPI is the one that not only allows UPI integration but also rewards you for making UPI payments. Metra Trust offers different variants of RuPay credit cards for different lifestyle needs. Find your best pick and apply for your favourite Metra Trust Credit Card today!