RuPay is coined from ‘Rupee’ and ‘Payment’ and is India’s own initiative for debit and credit card payments. RuPay is a payment network through which banks can issue debit and credit cards. Launched by the Reserve Bank of India and the National Payments Corporation of India (NPCI), RuPay is widely accepted all over India and in several other countries. Recently, the government also enabled linking RuPay credit cards to UPI apps to ensure seamless payments. With the growing popularity of the RuPay cards, we have made a list of the best RuPay credit cards available in the market.
|Credit Card||Joining Fees||Lifetime Free||Annual Fee Waiver Amount||Welcome Benefits||Cashback Features||Rewards||Other Features||Link for more information on the website|
|Edge CSB RuPay Credit Card||Nil||Only for the first 2 lakh users||Yes||Rs 250 voucher from partner brands||5% cashback on UPI spends
Additional cashback after the milestone of Rs 30,000
|Flat 1% cashback on non-UPI spends||Interest-free credit on UPI payment||https://jupiter.money/edge-upi-credit-card/|
|Bank of Baroda Premier RuPay Credit Card||Rs 1,000||No||Yes||Spend Rs 10,000 within first 60 days for first year fee reversal||NA||5x reward points for every Rs 100 spent on travel, dining, and international purchases||Easy EMI option||https://www.bobfinancial.com/premier-card.jsp|
|Federal Bank RuPay Signet Credit Card||Nil||Yes||NA||Amazon voucher worth Rs 200 on spends of Rs 3,000 in the first 30 days||NA||3x rewards on spends for electronics and apparel, 2x rewards on entertainment, and 1x reward for other categories||Lowest annual percentage rate (APR) starting from 0.49% per month||https://www.federalbank.co.in/rupay-signet-credit-card|
|IDFC First Power RuPay Select Credit Card||Rs 199||No||Yes||Benefit worth Rs 1,400||Rs 250 cashback on 2nd HPCL fuel transaction
5% cash back on the first EMI conversion
|5% savings on fuel expenses
2.5% savings on grocery and utility expenses
2x rewards on retail transaction
|Save up to Rs 7,000 per annum on fuel costs||https://www.idfcfirstbank.com/credit-card/hpcl-power-fuel-credit-card|
|Indian Oil HDFC Bank Credit Card||Rs 500||No||Yes, only in the first year||Gift voucher worth Rs 1,500 for transacting Rs 500 in the first 14 days.||5% on fuel spent at Indian Oil outlets
5% off on grocery spending and utility bill payments
|Earn one fuel point for every Rs 150 spent
1% fuel surcharge waiver
|Get 50 litres of free fuel per annum.
The low and nominal interest rate in revolving credit.
|Tata Neu Infinity HDFC Bank Credit Card||Rs 1,499||No||Yes||1,499 NeuCoins.||NA||5% NeuCoins at partner Tata online and in-store purchases
5% NeuCoins on bill payments and recharges through Tata Neu.
1.5% on NeuCoins on other spends.
|Complimentary lounge access at domestic and international airports
1% fuel surcharge wavier
|Yatra SBI Card||Rs 499||No||Yes||Yatra.com vouchers worth Rs 8,250||Rs 1,000 off on domestic flight bookings and Rs 4,000 off on international flights
Flat 20% off on domestic hotel booking
|Six reward points for every Rs 100 spent on departmental stores, groceries, dining, movies, entertainment, and international spend
|Get six vouchers in a calendar year
1% fuel surcharge wavier
Complimentary air accident cover of Rs 50 lakhs
|ICICI Coral RuPay Credit Card||Rs 500||No||Yes||NA||NA||Earn two reward points in all categories except for fuel
Earn one reward point on utility and insurance categories
Get Rs 25% off (up to Rs 100) on BookMyShow and Inox.
|Complimentary lounge access at partner domestic airports and domestic railway lounge visit
Personal accident insurance cover of Rs 2 lakhs
24*7 concierge services
|PNB RuPay Select Credit Card||Rs 500||No||Yes||300 plus reward points on the first usage||Cashback on utility bills, eateries and restaurants||2X rewards points on retail merchandise||Complementary domestic and international airport lounge access||https://pnbcard.in/types6.html|
|HDFC MoneyBack+ RuPay Credit Card||Rs 500||No||Yes||500 cash points||NA||10x cash points on Amazon, BigBasket, Flipkart, Reliance Smart Super Store, and Swiggy
5x cash points on EMI spent at merchant locations
Two cash points for every Rs 150 spent on other spends except for fuel and wallet reloads.
|Fuel surcharge waiver of 1%
Quarterly spend benefit in the form of vouchers
The Edge CSB RuPay Credit Card is issued by the CSB Bank and is exclusively available on the Jupiter Money App. This card combines the power of credit with the ease of UPI. The following are the benefits of the Edge CSB RuPay Credit Card.
Bank of Baroda Premier RuPay Credit Card complements your premier lifestyle. It has the following features and benefits.
Federal Bank RuPay Signet Credit is launched in collaboration with the National Payments Corporation of India (NPCI) to launch a lifetime free credit card. The following are its features and benefits.
IDFC First Power RuPay Select Credit Card is a fuel card that was launched in collaboration with HPCL. It is a slightly lower variant of the IDFC First Power Plus RuPay Select Credit Card and has the following benefits.
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The Indian Oil HDFC Bank Credit Card is a fuel card and has the following benefits.
Tata Neu Infinity HDFC Credit Card is a shopping/rewards card and offers the following benefits.
Yatra SBI Card is a travel card and has the following benefits.
The ICICI Coral Credit Card is a rewards card with the following features and benefits.
PNB RuPay Select Credit Card is a rewards card that was recently launched by Punjab National Bank. The followings are the features and benefits of the card.
The HDFC MoneyBack+ RuPay Credit Card is a rewards card and has the following features and benefits.
At present, around 16 banks issue RuPay credit cards, including SBI, HDFC, Axis, Union Bank, and Punjab National Bank.
RuPay credit cards can be used internationally at a PoS, ATM, and e-commerce website, which are enabled for Discover Financial Services (DFS), DinerClub, and JCB. To use your card internationally, you must enable international transactions on your RuPay Platinum or Select card.
You can link your RuPay credit cards to your UPI apps, such as Jupiter, BHIM UPI, Google Pay, Paytm, and PhonePe.
All UPI apps like Jupiter, BHIM, PhonePe, Paytm and many more allow linking your RuPay Credit Cards to do UPI transactions.
Almost all RuPay cards have lounge access at the domestic and international airports. However, RuPay travel cards have more than one complimentary lounge access per quarter.
Not all RuPay cards have free lounge access at the airports. Only certain cards have this benefit. Hence it is best to check your card’s features and benefits before travelling.
Yes, RuPay is accepted on Amazon. Recently, the platform also launched EMI access for RuPay cards.
Certain RuPay credit cards have a lifetime free benefit. This means there is no joining fee or annual fees levied by the bank. Some of the lifetime free RuPay credit cards are Federal Bank RuPay Signet Credit Card, Kotak Metro Cash & Carry, Bank of Baroda ICAI EXCLUSIVE Credit Card, Bank of Baroda ICSI DIAMOND Credit Card, Bank of Baroda CMA One Credit Card, and HDFC RuPay Shoppers Stop Credit Card.
Your RuPay credit cards can be linked to UPI apps such as Jupiter Money, Google Pay, Paytm, and PhonePe. You can link your RuPay credit card and start using it on UPI just like your debit card.