Best RuPay Credit Card on UPI in India – November 2023

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.

Best RuPay Credit Cards

#1 Edge CSB RuPay Credit Card

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.

• The card is a lifetime free card for the first 2 lakh users. This means there is no annual fee on the card.
• There is no joining fee for users.
• 5% cashback on UPI spends on Jupiter.
• Earn flat 1% on non-UPI spends.
• Earn additional cashback on incremental spending after the Rs 30,000 milestone.
• Get a welcome voucher worth Rs 250 from partner brands.
• Interest-free credit on UPI payments.

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#2 Bank of Baroda Premier RuPay Credit Card

Bank of Baroda Premier RuPay Credit Card complements your premier lifestyle. It has the following features and benefits.

• Joining fees and annual fees of Rs 1,000 each
• Earn 5x reward points on travel, dining, and international spending. So, for every Rs 100 spent, earn ten reward points.
• Two reward points for every Rs 100 spent on other categories, and one reward point for every Rs 100 spent on select merchant categories.
• One complimentary airport lounge facility per calendar quarter.
• 1% fuel surcharge waiver at all fuel stations for transactions between Rs 400 and Rs 5,000.
• Zero annual fee if you spend Rs 10,000 within the first 60 days of card issuance, and Rs 1,20,000 in a year.
• Easy EMI conversion of purchases above Rs 2,500 for a duration ranging from 6 months to 36 months.
• Redeem your reward points as cashback and vouchers.

#3 Federal Bank RuPay Signet Credit Card

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.

• No membership or joining fees.
• The lowest annual percentage rate (APR) starts from 0.49% per month (5.88% per annum).
• Enjoy a 3-2-1 reward structure with 3x rewards on spending for electronics and apparel, 2x rewards on entertainment, and 1x reward for other categories.
• Attractive joining benefits worth Rs 200 on spends of Rs 3,000 in the first 30 days.
• Buy one get one offer on Inox movie tickets once per quarter and complimentary Swiggy vouchers on quarterly spending of Rs 20,000.
• Personal accident insurance cover of Rs 2 lakhs and 24*7 concierge services.
• Complimentary lounge access once per quarter at domestic airports.
• Dining offers up to 15% discount at partner restaurants through the FedDelights program.
• Access to a wide variety of RuPay offers and deals on travel, food, dining, shopping, sports, entertainment, and lifestyle categories.

#4 IDFC First Power RuPay Select Credit Card

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.

• Get up to 65 litres of free fuel annually.
• Joining rewards: Rs 250 cashback on 1st HPCL fuel purchase and other welcome benefits worth Rs 1,650.
• Up to 5% savings on fuel spending.
• 2.5% savings on grocery, utility, and IDFC FASTag recharge.
• 3x rewards on other retail spend.
• Roadside assistance and insurance cover
• Never expiring rewards
• Low interest rates starting from 9%.
• 0% interest on ATM cash withdrawals until the due date.
• Annual fee waiver of Rs 199 if annual spending exceeds Rs 50 thousand.

You might also be interested in reading about:

• Best RuPay Fuel Credit Card in India
• Best RuPay Credit Card for Shopping and Reward Points
• Best RuPay Credit Card for Travel
• Best Lifetime Free RuPay Credit Cards in India
• How To Link Credit Cards To UPI?

#5 Indian Oil HDFC Bank Credit Card

The Indian Oil HDFC Bank Credit Card is a fuel card and has the following benefits.

• Get 5% off on fuel spent at India Oil retail outlets as Fuel Points.
• Earn 5% of your grocery spending and utility bill payments as fuel points.
• Earn one fuel point for every Rs 150 spent.
• 1% waiver on surcharge when you purchase fuel, provided you spend a minimum of Rs 400 on every transaction.
• Gift voucher worth Rs 1,500 for transacting Rs 500 in the first 14 days.
• Redeem fuel points to get free fuel at Indian Oil outlets.
• If you lose your credit card, report it immediately, and you have zero liability for fraudulent transactions done through your credit card.
• The low and nominal interest rate in revolving credit.
• Two years validity of fuel points.
• Get 50 litres of free fuel per annum.

#6 Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Credit Card is a shopping/rewards card and offers the following benefits.

• 10% NeuCoins on Tata neu
• 5% NeuCoins at partner Tata online and in-store purchases, including BigBasket, Croma, Tata 1 mg, Air Asia, Tata CliQ, Taj Hotels, Cult, Titan and Tanishq.
• 5% NeuCoins on bill payments and recharges through Tata Neu.
• 1.5% on NeuCoins on other spends.
• Redeem NeuCoins for purchases at partner brands.
• Eight complimentary lounge access (2 per quarter) at domestic airports and one international lounge access per year.
• 1% fuel surcharge waiver.
• Welcome the benefit of 1,499 NeuCoins.
• Renewal fee waiver on annual spending above Rs 3 lakhs in the previous year.

#7 Yatra SBI Card

Yatra SBI Card is a travel card and has the following benefits.

• Round-the-year discount of Rs 8,250 on domestic flights immediately after getting the card.
• Get six vouchers in a calendar year.
• Get Rs 1,000 off on domestic flight bookings, provided the minimum booking is Rs 5,000.
• Get Rs 4,000 off on international flights provided the minimum booking is Rs 40,000.
• Flat 20% off on domestic hotel booking provided the minimum booking is Rs 3,000.
• Six reward points for every Rs 100 spent on departmental stores, groceries, dining, movies, entertainment, and international spending.
• 1% fuel surcharge waiver.
• Annual membership fee reversal from second year on annual spends of Rs 1 lakh.

#8 ICICI Coral RuPay Credit Card

The ICICI Coral Credit Card is a rewards card with the following features and benefits.

• The joining fee is Rs 500 plus GST.
• Earn two reward points on every Rs 100 spent on all categories except for fuel.
• Earn one reward point on every Rs 100 spent on utility and insurance categories.
• One complimentary lounge access per quarter at partner domestic airports.
• One complimentary domestic railway lounge visit.
• Get Rs 25% off (up to Rs 100) on BookMyShow and Inox.
• Personal accident insurance cover of Rs 2 lakhs.
• 24*7 concierge services.
• Earn a maximum of 10,000 reward points per annum on reaching the milestone spending limit. For every Rs 2 lakh spent, get 2,000 reward points, and for every Rs 1 lakh spent, earn Rs 1,000 reward points.
• An annual fee of Rs 500 is waived if annual spending is higher than Rs 1.5 lakhs.

#9 PNB RuPay Select Credit Card

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 minimum joining fee is Rs 500 plus GST.
• The annual fee is zero, provided you use the card once per quarter.
• Get over 300 reward points on first usage.
• Earn 2x reward points on retail merchandise.
• Complimentary domestic and international lounge access.
• Exclusive cashback on utility bills, restaurants and hotels.
• Comprehensive insurance coverage.
• 24*7 concierge services
• Exclusive offers from over 300 vendor partners.

#10 HDFC MoneyBack+ RuPay Credit Card

The HDFC MoneyBack+ RuPay Credit Card is a rewards card and has the following features and benefits.

• Joining fees are Rs 500 plus GST.
• The annual fee of Rs 500 is waived if the minimum spent in a year exceeds Rs 50,000
• Earn 10x cash points on Amazon, BigBasket, Flipkart, Reliance Smart Super Store, and Swiggy.
• Earn 5x cash points on EMI spends at merchant locations.
• Get two cash points for every Rs 150 spent on other spends except for fuel and wallet reloads.
• Earn up to 20% discount on partner restaurants via Swiggy Dineout.
• Zero liability on a lost card if reported immediately.
• Interest-free credit period of up to 50 days.
• Enjoy exclusive dining privileges with the ‘Good Food Trail’ program.
• Fuel surcharge waiver of 1% on fuel transactions between Rs 400 and Rs 5,000.
• Attractive welcome benefit of 500 cash points.
• Quarterly spending benefits in the form of gift vouchers up to Rs 2,000 per annum.
• Redeem cash points anytime during the year, provided you redeem a maximum of 50,000 reward points a month.

Frequently Asked Questions

Which banks offer RuPay credit cards in India?

At present, around 16 banks issue RuPay credit cards, including SBI, HDFC, Axis, Union Bank, and Punjab National Bank.

Can I use my RuPay card internationally and for international transactions?

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.

Can I use a RuPay credit card for UPI?

You can link your RuPay credit cards to your UPI apps, such as Jupiter, BHIM UPI, Google Pay, Paytm, and PhonePe.

Which apps allow linking RuPay Credit card for UPI?

All UPI apps like Jupiter, BHIM, PhonePe, Paytm and many more allow linking your RuPay Credit Cards to do UPI transactions.

Which RuPay card has lounge access?

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. 

Is Rupay lounge access free?

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. 

Is RuPay accepted on Amazon?

Yes, RuPay is accepted on Amazon. Recently, the platform also launched EMI access for RuPay cards. 

Which credit card is lifetime free?

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.

Is RuPay card accepted in Google Pay?

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.