Best RuPay Credit Cards in India for 2024

The Bank of Baroda Premier RuPay Credit Card is ideal for frequent travellers seeking a card with exclusive travel benefits and reward points.

• Joining and annual fee of Rs. 1,000.
• Enjoy a fee reversal on both joining and annual fees if you meet spending milestones within a year.
• Enjoy additional benefits like fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (maximum waiver of Rs. 250 per month).
• Enjoy complimentary access to premium airport lounges.
• Convert high-value purchases (above Rs. 2,500) into easy EMIs for convenient repayment.

The Federal Bank RuPay Signet Credit Card is a modern and convenient option for those looking to embrace digital payments. With its impressive array of features and benefits, this card offers a seamless and rewarding experience. Take a look at its features below.

• Annual Percentage Rate (APR): Starting from 0.69% p.m. (8.28% p.a.)*
• UPI Integration: Seamlessly link your RuPay Signet Credit Card to your UPI ID for secure and convenient transactions.
• Insurance and Services: Enjoy personal accident insurance coverage of Rs.2 Lakhs and 24*7 concierge services for added peace of mind.
• Lounge Access: Experience complimentary lounge access once per quarter at domestic airports.
• Exclusive Offers: Take advantage of a wide range of RuPay offers and deals across various categories, including travel, food and dining, shopping, sports, entertainment, lifestyle, and more.
• No Fees: Benefit from a lifetime free credit card with no membership fee or joining fee.

The IDFC First Power RuPay Select Credit Card is designed for individuals who frequently spend on fuel. It offers a range of benefits and rewards specifically tailored to fuel expenses, making it a great choice for those who often hit the road.

• Joining Fee: Rs.199
• Annual Fee: Rs.199 (2nd year onwards)
• Annual Fee Waiver: The annual fee is waived off if you spend Rs.50,000 or more in a year.
• Interest Rates: The card offers low and dynamic interest rates starting at 9% per annum.
• Interest-Free Cash Withdrawals: Enjoy 0% interest on ATM cash withdrawals until the due date.
• Other Benefits: The card also provides complimentary roadside assistance, personal accident cover, and lost card liability cover.

The IndianOil HDFC Bank RuPay Credit Card is a fuel-centric credit card designed to offer significant savings on your fuel expenses. This card offers a variety of benefits, including fuel points, cashback, and complimentary membership to the IndianOil XTRAREWARDS Program.

• Earn up to 50 liters of free fuel annually.
• Joining fee of Rs. 500/- plus Applicable Taxes can be waived off by meeting spend criteria.
• 5% cashback on grocery and bill payments.
• Complimentary IndianOil XTRAREWARDS Program membership.
• 1% fuel surcharge waiver.
• Zero lost card liability.
• Interest-free credit period.
• Smart EMI option.

The Tata Neu Infinity HDFC Bank Credit Card is a RuPay card offering a tiered rewards program focused on purchases within the Tata Neu ecosystem and partner brands. Let's explore its key features:

• This card comes with an annual fee of Rs.1,499 + taxes.
• However, the fee is waived off if you spend Rs.3 lakhs or more in a year before the renewal date.
• Enjoy the convenience of contactless payments for transactions up to Rs.5,000 without entering your PIN.
• Peace of Mind: Benefit from zero lost card liability if you report a lost card immediately.
• Insurance Coverage: The card provides accidental air death cover, emergency overseas hospitalisation cover, and lost card liability cover.

The Yatra SBI Credit Card is a RuPay card designed for frequent travellers who enjoy booking their trips through Yatra.com. Let's explore its features and benefits to see if it's the right fit for you. The Yatra SBI Credit Card has an annual fee of Rs. 499 (plus applicable taxes). However, the fee is waived if you spend more than Rs. 100,000 in a year. Here's a quick breakdown of other card details:

• Worldwide Acceptance: This card is accepted at over 24 million outlets worldwide and 3,25,000 outlets in India (look for the RuPay logo).
• Cash on the Go: Withdraw cash from over 1 million RuPay ATMs in India, including 18,000 SBI ATMs.
• Add-on Cards: Extend the benefits to your family by applying for add-on cards for those above 18.
• Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharge of up to Rs. 100 per month at petrol pumps across India.
• Complimentary Air Accident Cover: Get Rs. 50 lakh accidental insurance coverage while traveling by air when you book your ticket through Yatra.com using this card.

The ICICI Coral RuPay Credit Card is a great choice for those looking for a budget-friendly credit card with some attractive benefits. Designed to cater to the needs of everyday consumers, this card offers a range of rewards and privileges without breaking the bank.

• Annual Fee: Rs.500 + GST
• Joining Fee: Rs.500 + GST
• Insurance Coverage: Enjoy insurance coverage of Rs.2 lakh.
• Seamless Payments: Use your RuPay Credit Card for hassle-free transactions via UPI.
• Wide Acceptance: Accepted at numerous merchants nationwide.
• Convenient: Easy linking of your UPI credit card with multiple UPI apps.

The PNB RuPay Select Credit Card is a good choice for those who want lounge access and cashback without high fees. It offers several benefits at a low cost, making it an attractive option. Let’s explore its cashback and other features below.

• Minimum Joining Fees: Rs. 500/-
• Annual Fee: NIL (if the card is used at least once in every quarter)
• Complimentary Lounge Access: Enjoy complimentary domestic and international lounge access, providing a comfortable and relaxing experience during your travels.
• Exclusive Cashback Offers: Benefit from exclusive cashback offers on utility bills, eateries, and restaurants, helping you save more on your everyday expenses.
• Comprehensive Insurance Coverage: The card offers comprehensive insurance coverage to protect you against unforeseen circumstances.
• 24/7 Concierge Services: Enjoy personalised assistance and support from the 24/7 concierge service.
• 300+ Merchant Offers: Take advantage of a wide range of merchant offers and discounts to maximise your savings.

The HDFC Bank MoneyBack+ Credit Card is a rewards-based credit card designed to offer benefits on your everyday purchases. With its generous cashback offers and additional perks, this card can help you maximise your savings.

• Annual Fee: Rs.500 (waived off for annual spends of Rs.50,000 or more)
• Interest-Free Credit Period: Up to 50 days
• Revolving Credit: Available at a nominal interest rate
• Fuel Surcharge Waiver: 1% waiver on fuel transactions (minimum Rs.400, maximum Rs.5,000, maximum waiver Rs.250 per statement cycle)
• Contactless Payments: Enabled for quick and convenient transactions
• Zero Liability: Report a lost card immediately to avoid liability for fraudulent transactions.
• Exclusive Dining Privileges: Enjoy discounts through Swiggy Dineout.
• Smart EMI: Convert large purchases into EMIs.
• Rewards Redemption: Redeem CashPoints for statement balance, travel benefits, or rewards catalog items.

The Axis Bank Fibe Credit Card is a great option for those looking for a simple, no-frills card with decent cashback rewards. This card offers a straightforward rewards structure that makes it easy to earn cashback on your daily purchases.

• Annual Fee: Nil (Lifetime Free)
• Joining Fee: Nil
• Fuel Surcharge Waiver: 1% waiver for fuel spends between Rs. 400 and Rs. 5000 (maximum waiver of Rs. 400 per month)
• Airport Lounge Access: 4 complimentary domestic lounge visits per calendar year based on your spends in the last 3 months
• Dining Delights: 15% off up to Rs. 500 at 10,000+ partner restaurants across India with EazyDiner
• UPI Transactions: Link your Fibe Credit Card with UPI for quick and seamless payments

The HDFC RuPay BizFirst Business Credit Card is a good option for self-employed individuals and business owners who are new to credit cards. It offers a convenient way to manage business expenses and earn rewards while doing so. There is no annual fee if you spend Rs.50,000 or more in the previous year. Otherwise, the fee is Rs. 500 plus taxes. Each CashPoint is worth up to Rs.0.15 when used to reduce your statement balance.

Additional Benefits for Your Business

• Pay for GST, income tax, and advance tax using your credit card.
• Get discounts on travel, software, and utility bills with partners like SmartBuy BizDeals, MMT MyBiz, and Nuclei.
• Link your card to UPI apps like PayZapp, BHIM, PayTM, PhonePe, and others to make payments and earn 1% CashPoints.
• Up to 55 days of interest-free credit on your purchases.
• 1% fuel surcharge waiver on transactions between Rs.400 and Rs.5,000, with a maximum cashback of Rs.250 per month.
• Save up to 20% on restaurant bills with Swiggy Dineout.
• Earn up to 5% cashback on travel and online shopping through SmartBuy.
• Cashback on utility bills when using SmartPay.
• Option to convert large purchases into EMIs.
• Zero liability for a lost card if reported immediately.
• Rs.3 lakh credit liability cover for fraudulent transactions.

The HPCL Energie RuPay BOBCARD is a credit card made for people who often refuel at HPCL petrol stations. It comes with a range of benefits that make fueling up more rewarding and help save on costs.

• Annual Fee: Rs.499
• Joining Fee: Rs.499
• Annual Fee Waiver: Get the annual fee waived upon reaching a spending milestone.
• Fuel Surcharge Waiver: A 1% fuel surcharge is waived on transactions between Rs.400 and Rs.5,000, including those made via the HP Pay app.
• Smart EMI Options: Purchases over Rs.2,500 can be converted into EMIs ranging from 6 to 36 months.
• Airport Lounge Access: Cardholders get 4 free lounge visits at domestic airports each year (1 visit per quarter).
• Movie Discounts: Get 25% off (up to Rs.100) on booking at least two tickets through Paytm Movies.
• Accelerated Rewards: Earn up to 2% savings (10 reward points for every Rs.150 spent) on utility bills and shopping at departmental stores. You’ll also get 2 reward points for every Rs.150 spent on other purchases.

The IRCTC RuPay BOBCARD is designed for frequent train travellers seeking to maximise their savings and earn rewards on every journey.

• Fees: This RuPay card offers a convenient and secure way to manage your travel expenses. There's a one-time joining fee of Rs.500 (plus GST) and an annual fee of Rs.350 (plus GST).
• Premium Lounge Benefits: Make your train journeys even more comfortable with complimentary access to partner railway lounges. Enjoy up to 4 visits per year (1 per quarter) to unwind and relax before your travels.
• Fuel Surcharge Waiver: Save on fuel costs with a 1% surcharge waiver on transactions between Rs.500 and Rs.3,000 (maximum waiver of Rs.100 per statement).
• Extra Rewards: Earn 2 reward points per Rs.100 spent on all other categories, including train ticket purchases. Redeem your points for exciting rewards at a rate of 1 reward point = Rs.0.25.
• Zero Liability on Lost Card: Enjoy peace of mind knowing you're not liable for fraudulent transactions if your card is lost. Report any loss immediately to the bank.

The ixigo AU RuPay Credit Card is a relatively new entrant to the Indian credit card market, making waves with its impressive benefits, particularly for frequent travellers. While securing approval for this card might be a bit challenging, the perks it offers make it a compelling option for those who prioritise travel and convenience.

• Annual Fees: The ixigo AU RuPay Credit Card comes with a lifetime waiver of both joining and annual fees.
• Insurance Coverage: Get an insurance cover of up to Rs.2 lakh on RuPay Cards.
• Concierge Services: Avail 24/7 concierge services for assistance with travel arrangements, reservations, and more.
• Simplified Payments: Link your RuPay card with any UPI app for easy and contactless payments.
• Online and Offline Rewards: Earn reward points on both online and offline transactions.
• Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver on your card.

The Kotak IOCL RuPay Credit Card is a fuel-based credit card designed to offer savings and rewards on fuel purchases and other daily expenses. This card is a collaboration between Kotak Mahindra Bank and IndianOil Corporation Limited, making it a great choice for those who frequently use IndianOil petrol pumps.

• Annual Fee: The annual fee is INR 449, but it's waived off if you spend INR 50,000 in the previous anniversary year.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between INR 100 and INR 5059, with a maximum waiver of INR 100 per statement cycle.
• Personal Accident Insurance: Get a personal accident insurance cover of INR 2,00,000.
• Concierge Services: Access personalised concierge services for tasks like gift delivery, flower delivery, restaurant reservations, and more.
• Add-on Card: Get a free add-on card with the same benefits as your primary card.

The LIC CSL Co-branded RuPay Credit Card offers a blend of lifestyle benefits and financial advantages. Designed to cater to the needs of Indian consumers, this card provides a range of perks, including cashback, rewards, and insurance coverage.

• No Joining or Annual Fees: Enjoy the benefits of this card without worrying about any upfront or recurring charges.
• Insurance Coverage: Benefit from various insurance covers, including travel and accidental insurance, providing peace of mind.
• Airport Lounge Access: Relax and unwind in exclusive airport lounges, both domestically and internationally.
• Family Cards: Extend the benefits to your family members with additional cards at no extra cost.
• Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharge for transactions above a certain amount.
• Zero Lost Card Liability: Protect yourself against financial loss in case your card is lost or stolen.

The PNB EMT RuPay Platinum Credit Card is a co-branded card made for frequent travellers, especially those who regularly use EaseMyTrip. It offers a variety of perks and benefits designed to help users save on travel-related expenses like flights, hotels, and more.

• Card Type: RuPay Platinum
• Credit Limit: Starts from Rs. 50,000 and can go up to Rs. 5,00,000, depending on approval
• Fees:
  • Joining fee: Rs. 2,000 (for the primary card)
  • No joining fee for add-on cards
  • Annual fee: Rs. 2,000 (waived if you spend more than Rs. 1 lakh in a year)
  • No annual fee for add-on cards
  • No renewal fee
  • Earn 300+ reward points when you activate the card
  • Insurance coverage of up to Rs. 2 lakh for accidental death and total disability
  • Free access to domestic and international airport lounges

The Reliance SBI Platinum RuPay Credit Card is a co-branded card issued by SBI Cards and Reliance Industries. It offers benefits specifically geared towards shoppers who frequent Reliance Retail stores.

• Annual Fee: Rs. 499 + Taxes (this fee can be waived if you meet the spending requirements).
• Renewal Fee: Rs. 499 + Taxes (this can also be waived based on your spending).
• Contactless Payments: Make quick and secure payments using contactless technology.
• Fuel Surcharge Waiver: Save 1% on fuel surcharge for payments between Rs. 500 and Rs. 4,000 at petrol stations across India.
• Worldwide Acceptance: Use your card at over 24 million stores globally, including 3,25,000 outlets in India where Visa or Mastercard is accepted.
• Enjoy exclusive deals at participating Reliance Retail stores.
• Convert big purchases into easy monthly instalments using Flexipay.
• Use your card to pay utility bills with ease.
• Withdraw cash from ATMs worldwide.
• You can also apply for add-on cards for your family members.

While Snapdeal may have seen a shift in its popularity, it remains a go-to platform for many online shoppers. The Snapdeal RuPay BOBCARD offers a convenient way to maximise your savings on this platform and beyond. This co-branded card provides a range of benefits and rewards that can enhance your shopping experience.

• Annual Fee: A nominal annual fee of Rs.249 applies.
• Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver on all fuel transactions between Rs.400 and Rs.5000 (maximum Rs.250 per month).
• Reward Points Redemption: 1 reward point is valued at Rs.0.25.
• Interest-free Credit: Enjoy up to 50 days of interest-free credit.
• Revolving Credit Facility: Pay the Minimum Amount Due and finance your spends as per your convenience.
• Smart EMI Options: Convert purchases of Rs.2,500 or more into Smart EMIs of 6 to 36 months.
• Free Add-on Card: Get up to 3 lifetime free add-on cards for your family members.

The Union Uni Carbon RuPay Credit Card is a mid-range offering designed to cater to the needs of consumers who frequently fill up at HPCL outlets. This card combines the benefits of a standard RuPay Platinum card with additional rewards and cashback specifically tailored for fuel transactions.

• Annual Fee: Rs. 499 (waived on spending Rs. 1,00,000 or more annually)
• Joining Fee: Rs. 499
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions of Rs. 200 or more at HPCL outlets, up to a maximum of Rs. 100 per billing cycle.
• Milestone Rewards: Earn additional reward points based on your annual spending.
• Accidental Insurance: Get coverage of up to Rs. 10 lakh.
• Contactless Payment: Enjoy quick and convenient transactions with the contactless feature.

The Myntra Kotak RuPay Select Credit Card is a stylish companion for online shoppers, especially those who love fashion. This co-branded card offers a range of benefits and rewards tailored to the needs of the modern consumer.

• Annual Fee: Rs. 500, waived off if you spend Rs. 2 lakh in the previous anniversary year.
• Fuel Surcharge Waiver: Enjoy a waiver of 1% fuel surcharge on transactions between Rs. 500 and Rs. 3,000. Maximum waiver of Rs. 3,500 per anniversary year.

The SBI Shaurya Select RuPay card is a credit card made specifically for Indian defense personnel. The card design features elements that honor the Indian flag and the country’s armed forces. Besides rewards, the card offers several useful benefits:

• Renewal Fee Waiver: If you spend Rs. 1.5 lakhs or more in a year, you won't have to pay the annual renewal fee of Rs. 1,499.
• Complimentary Insurance: The card includes free personal accidental insurance coverage of Rs. 10 lakh, courtesy of RuPay.
• Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges at petrol pumps across India.
• 24/7 Concierge Services: Access services like gift delivery, travel assistance, and restaurant reservations (terms and conditions apply).
• Airport Lounge Access: Get four free domestic airport lounge visits each year (one per quarter), starting March 15, 2024.
• Personalised Card Design: You can have your service branch's insignia (Air Force, Army, Navy, or Paramilitary) embossed on the card.
• Global Acceptance: The card is accepted at over 44 million merchant locations in 190 countries and at 3.7 million terminals within India.
• Add-on Cards: You can extend the card's benefits to your family by applying for free add-on cards for your spouse, parents, children, or siblings (18+ years old).
• ATM Withdrawals: You can withdraw cash from more than 2 million ATMs worldwide, including over 43,000 SBI ATMs in India.
• Utility Bill Payments: Pay your bills easily through the Easy Bill Pay facility.
• Balance Transfer on EMI: Transfer balances from other credit cards and enjoy a lower interest rate with EMI options.
• Flexipay: Convert purchases of Rs. 2,500 or more into manageable monthly instalments within 30 days of the transaction.
• First-Year Fee: Waived off.
• Renewal Fee: Rs. 1,499 (waived if you spend Rs. 1.5 lakhs annually).
• Add-on Card Fee: Free.

The IndusInd Bank Samman RuPay Credit Card caters specifically to government employees, offering a combination of features and benefits to simplify everyday transactions and budgeting.

• Supports UPI for quick scan-and-pay transactions at merchants across India.
• No fees for cash withdrawals using the credit card.
• Annual fee of ₹199.
• Get a 1% waiver on surcharges for railway ticket bookings up to ₹5,000.

The HDFC Freedom Credit Card is a flexible option designed to meet everyday spending needs. With its attractive cashback and rewards, it's a great choice for those who often shop online or enjoy dining out. Here’s a closer look at some of the card’s standout features and benefits.

• Zero Liability: Report your card as lost immediately to avoid any unauthorised charges.
• Interest-Free Period: Get up to 50 days of interest-free credit on your purchases.
• Revolving Credit: Use the revolving credit option with a nominal interest rate.
• Fuel Savings: Enjoy a 1% waiver on fuel surcharge, up to Rs.250 per billing cycle.
• Renewal Fee Waiver: Spend Rs.50,000 or more in a year and have your membership renewal fee waived.
• Smart EMI: onvert large purchases into easy monthly instalments.
• Contactless Payments: Make quick, secure transactions with the card’s contactless feature.
• Reward Redemption: Use your CashPoints for cashback, travel perks, or rewards through the SmartBuy Rewards Portal.