In March 2012, NPCI (National Payment Corporation of India) launched RuPay, India’s own payment network on the recommendation of the RBI (Reserve Bank of India).
The idea was conceptualized in 2009, when RBI entrusted NPCI with the task of developing an indigenous payment network similar to Visa and MasterCard for processing card-based digital payments in the country.
Here is a list of the best RuPay credit cards offered by the various credit card issuers in the country.
10 Best Rupay Credit Cards in India
#1. HDFC Bank UPI Rupay Credit Card
HDFC Bank has recently launched the UPI Rupay Credit Card virtually, no physical card is sent to you. HDFC Bank is the first private sector financial institution to enable their credit card on UPI.
This HDFC credit card is linked to the cardholder’s UPI ID and can be used for UPI transactions. By linking the credit card with UPI ID, you can use the RuPay credit card with BHIM and all other UPI-enabled applications.
Additionally, you can earn reward points for UPI payments made using this credit card. The UPI
Fees & Charges
- Joining Fee – Rs. 250
- Annual Fee – Rs. 250
- Annual Fee Waiver – Annual fee waiver on spending Rs. 25,000 or more in the card anniversary year.
Rewards/CashPoints
- Get 3% cashpoints on grocery, supermarket, dining, and all PayZapp transactions with max cap 500 cashpoints per month.
- 2% cashpoints on utility spends (max cap 500 cashpoints per month).
- Get 1% cashpoints on all other spends at cap 500 cashpoints per month.
- No reward points on fuel, wallet load, EMI, rent payment, and govt payments.
Reward Redemption Value
- You can redeem cashpoints against the credit card balance, where 1 Cashpoint = Rs. 0.25. The maximum cap of 50,000 cashpoints per month.
- Redeem cashpoints against Hotel/Flight bookings and against products or vouchers at SmartBuy portal, 1 CP = Rs. 0.25.
- You can redeem 50% of the value for hotel/flight bookings and 70% of the value for products or vouchers, the rest amount must be paid with the credit card.
- The earned cashback is valid for 2 years.
#2. Tata Neu Infinity HDFC Bank Credit Card
HDFC bank has collaborated with Tata Neu (under Tata Digital) to launch two co-branded credit cards named Tata Neu HDFC Bank Infinity Credit Card and Tata Neu Plus HDFC Credit Card.
Both cards are available in Visa & Rupay platforms. The Infinity credit card is the premium option, while the Plus credit card is an entry-level option.
The Tata Neu Infinity credit card is best suited for individuals who love shopping, especially at Tata brand.
Fees & Charges
- Best For – Shopping, especially at Tata brand.
- Joining Fee – Rs. 1,499
- Annual Fee – Rs. 1,499
- Annual Fee Waiver – Annual fee waiver if you spend Rs. 3 lakhs or more in a year.
- Welcome Benefits – 1,499 NeuCoins as a welcome benefit.
Lounge Access
- You get 8 complimentary domestic lounge access every year with max capped at 2 visits per quarter.
- You can enjoy 4 complimentary international lounge visits per year using a priority pass (capped at 1 per quarter) with the RuPay.
- For all the lounge visits post the complimentary access, you will have to pay a usage fee of $27 per visit.
Fuel Surcharge Waiver
- You get a 1% fuel surcharge waiver on all fuel transactions worth Rs. 400 and Rs. 5,000.
- The maximum waiver is capped at Rs. 500 per statement cycle.
TataNeu Infinity HDFC Bank Credit Card Rewards
- 10% NeuCoins on all purchases on the TataNeu app/website (including the 5% additional coins that you get by activating the Neu Pass).
- Get 5% NeuCoins on partner Tata brands, including AirAsia India, Tata Cliq, Croma, cult.fit, Big Basket, and Westside.
- You get 1.5% NeuCoins on all other spends.
- No NeuCoins are accrued on wallet reloads, fuel purchases, rent, cash withdrawals, and EMI transactions.
Reward Redemption Value
- The Neu Coins earned can be redeemed against the partner brands via the TataNeu app/website.
- 1 Neu Coin = Rs. 1.
#3. IndianOil Axis Bank Rupay Platinum Credit Card
Axis Bank has partnered with IOCL (Indian Oil Corporation Limited) to launch a fuel credit card called IndianOil Axis Bank Rupay Platinum credit card. This credit card is an excellent choice for those who frequently use IOCL filling stations.
You will get a high reward rate of 5% on fuel spends at IOCL filling stations. Additionally, the card offers a decent reward rate of 1% on all online transactions.
Fees & Charges
- Best For – Fuel Spends
- Joining Fee – Rs. 500
- Annual Fee – Rs. 500
- Annual Fee Waiver – Annual fee waiver if you spend over INR 50,000 in a year.
- Welcome Benefits – 100% cashback up to Rs. 250 on all fuel spends within the first 30 days of card issuance
Fuel Benefits
- Get 100% cashback up to Rs. 250 on all fuel spends within the first 30 days of card issuance.
- Get 1% fuel surcharge waiver on fuel spends between Rs. 200 to Rs. 5000
- You can earn reward points worth 4% for every Rs. 100 spent on fuel at IndianOil fuel outlets.
Reward Benefits
- 20 EDGE Points per Rs. 100 spent on fuel purchases at all IOCL stations across India for transactions between Rs. 100 and Rs. 5,000.
- Reward points worth 1% (5 EDGE Points) for every Rs. 100 spent on online shopping, groceries, utility payments for transactions between Rs. 100 and Rs. 5,000.
- Earn 1 reward point for every Rs. 100 spent on all other expenses.
- The card also offers customers loyalty points in the form of 1 EDGE REWARD point on every Rs. 100 spent with the card.
Movie & Dining Benefits
- Get a 10% instant discount for movie tickets booked via BookMyShow.
- Enjoy a 20% discount at partner restaurants under the Axis Bank EazyDiner Program.
#4. SBI Shaurya Select Rupay Credit Card
SBI has introduced the Shaurya Select Rupay Credit Card, which is specifically designed for defense personnel who serve our nation. The best part of the Shaurya Select credit card is the only card in the market that offers cashback on CSD canteens purchases.
You can earn 10 reward points per Rs. 100 spent on Dining, Movies, Departmental Stores & Grocery (including CSD canteen) spends.
Fees & Charges
- Best For – Shopping, exclusive for defense personnel.
- Joining Fee – Nil
- Renewal Fee – Rs. 1499
- Renewal Benefit – 1,500 bonus reward points on card renewal.
- Spend based Waiver – The renewal fee is waived off on spending Rs. 1,50,000 or more in the previous year.
Reward Benefits
- Get 10 reward points per Rs. 100 spent on Dining, Movies, Departmental Stores & Grocery (including CSD canteen) spends.
- Earn 2 reward points per Rs. 100 spent on all other spends.
- Reward point redemption: 1 Reward Point = Re. 0.25.
Milestone Benefits
- Pizza Hut e-Voucher worth Rs. 500 on achieving spends of Rs. 50,000 in a calendar quarter.
- e-Gift Voucher worth Rs.7,000 from Yatra or Pantaloons on achieving annual spends of Rs. 5 Lakhs.
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on all fuel transactions between Rs. 500 and Rs. 4,000.
- The maximum waiver is capped at Rs. 250 per statement cycle
#5. ICICI Bank Coral Rupay Credit Card
ICICI Bank has recently partnered with the National Payments Corporation of India (NPCI) to launch RuPay Credit Cards. The ICICI RuPay Coral credit card is identical to the Visa variant.
The only difference is the list of airport lounges that are offered by different networks.
Fees & Charges
- Joining Fee – Rs. 500
- Annual Fee – Rs. 500
Reward Benefits
- Earn 2 Reward Points on every Rs. 100 spent on retail purchases except fuel.
- Get 1 Reward Point on every Rs. 100 spent on utility and insurance expenses.
Milestone Benefit
Get up to 10,000 bonus Reward Points every year on achieving the spend milestone worth Rs. 1,00,000.
Movie & Dining Benefits
- With ICICI credit card, you get 25% discount (up to Rs. 100) on movie ticket bookings through BookMyShow/Inox.
- Get up to 15% discount on dining via the ICICI Bank’s Culinary Treats Programme.
Other Benefits
- 1 complimentary domestic and 1 railway lounge access per quarter.
- 1% fuel surcharge waiver.
- Get concierge services accessible 24*7.
#6. Bank of Baroda Easy RuPay Credit Card
Bank of Baroda Easy Rupay credit card is a good choice for those looking for an entry-level credit card, especially for smaller grocery spends using UPI. This credit card comes with no joining or annual fee.
As a Rupay variant, the Easy credit card is designed to facilitate grocery shopping and purchases from departmental stores, offering a generous reward points worth Rs. 1.25 on every Rs. 100 spent.
Charges
- Best For – Spends at Grocery and Departmental stores
- Joining/Annual fee – Nil (Lifetime free)
Benefits of Bank of Baroda Easy Rupay credit card
- 5 Reward points for every Rs. 100 spent on Grocery, Departmental stores, Movie spends, reward rate is 1.25%.
- 1 reward point for every Rs. 100 spent on other categories.
- 1 RP = Rs. 0.25.
- 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).
- Purchases above 2500 can be converted to EMIs.
#7. Bank of Baroda Premier RuPay Credit Card
The Bank of Baroda Premier Rupay credit card is the next level of the Easy credit. This premium credit card offers accelerated rewards on travel and dining spends, making it a perfect fit for globetrotters and foodies.
You get 5x reward points worth Rs. 2.50 per Rs. 100 on travel, dining, and international spending.
Fees & Charges
- Best For: Travel and Dining spending
- Joining/Annual fee – Nil (Lifetime free)
Key Highlights of Bank of Baroda Premier Rupay Credit Card
- 5X i.e. 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)
- 2 Reward Points for every Rs. 100 spent on other categories.
- 5x reward points are capped at 2,000 reward points per month on travel, dining, and foreign spends
- The reward points can be redeemed against flight/hotel bookings, shopping, products, and gift vouchers.
- 1 Reward Point = Re. 0.25
- 1 Complimentary Airport Lounge Visit every calendar quarter.
- 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).
- Purchases above 2500 can be converted to EMIs.
#8. PNB Rupay Select Credit Card
PNB RuPay Select Credit Card issued on the RuPay platform, that offers decent rewards and travel benefits across some essential categories. The best part of this credit card is that you can convert it lifetime free from the second year just by using your card at least once every quarter.
If you are a new card member, you can earn double benefits in the first three months of usage by earning 2x accelerated reward points on all your transactions.
Fees & Charges
- Best For – Shopping Category
- Joining Fee – Rs. 500
- Annual Fee – Rs. 750
- Welcome Benefit – 300 bonus Reward Points
- Annual Fee Waiver – The annual fee can be waived off if you have used your card at least once every quarter.
Reward Points
- 2 Reward Points on every spend of Rs. 150.
- 2x Reward Points on all merchandise/online transactions within the first 90 days.
- 50 bonus Reward Points on registration for the e-bill facility.
Reward Redemption Value
- 1 Reward Point = Rs. 0.5
- You can redeem against various categories at the PNB Rewardz portal.
Lounge Access
You get 2 complimentary domestic lounge access every quarter.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 3,000.
- The maximum fuel surcharge waiver is capped at Rs. 250 per billing cycle.
#9. Union Platinum RuPay Credit Card
Union Platinum RuPay Credit Card is a cashback credit card that lets you enjoy cashback on various transactions like making payments on utility bills, or booking tickets from IRCTC. Besides these benefits, you can also earn a decent reward rate of 0.02% on every Rs. 100 spent using this card.
Fees & Charges
- Best For – Shopping Category
- Joining Fee – Nil
- Renewal Fee – Rs. 299
- Spend based Waiver – Renewal fee waived off on spending Rs. 30,000 in the previous year.
Reward/Cashback Benefits
- You can earn 2 reward points on every Rs. 100 spent.
- Utility Bill cashback offer – Maximum Rs 50 per card per month.
- Mobile Wallet cashback – Maximum Rs 50 per month for minimum transaction of Rs 500.
- IRCTC cashback offer – Rs 25 for minimum transaction of Rs 300.
Redemption Value
- 1 RP = Rs. 0.25
- You can redeem your reward points for movies, bus & air tickets, and gift vouchers.
- The reward points are valid up to 3 years from the date of accumulation.
Fuel Surcharge Waiver
- 1% Fuel surcharge waiver on fuel transactions.
- The maximum fuel surcharge is capped at Rs. 100 per month.
#10. IDBI Winnings RuPay Select Card
IDBI Bank is offering a fantastic opportunity for beginners with the Winnings RuPay Select program.
During your birthday month, you have the chance to earn double delight points on all of your spending. This is a great way to make the most of your celebrations and get even more value from your purchases
Fees & Charges
- Joining Fee – Nil
- Renewal Fee – Rs. 899 (second year onwards)
- Spend based Waiver – The renewal fee is waived off on spending Rs. Rs. 90,000 or more in the previous year.
- Welcome Benefit – Get 10% cashback up to Rs. 500 on all transactions done within 90 days of the card issuance
Key Highlights of IDBI Winnings RuPay Select Card
- 500 delight points on making 5 transactions worth Rs. 1000 per month.
- Get double delight points in your Birthday month.
- 2 delight points on every Rs. 100 spent on this card.
- Redeemed earned points against dining, shopping, utility bills, holidays, gifts, and entertainment.
- 1% fuel surcharge waived at all petrol pumps across India on transactions between Rs. 400 – Rs. 4000. The maximum waiver of fuel surcharges is Rs. 400 per month.
- Complimentary access to both domestic and international lounges.
Rupay Credit Cards Variants
RuPay Credit Cards are available in three variants, each with its unique benefits.
#1. Classic variant – Most basic and is similar to Visa/MC Classic. With this card, you can access merchant offers, although not all offers may be applicable.
#2. Platinum variant – equivalent to Visa/MC Platinum and offers additional benefits such as personal accident and permanent disability cover of up to 2 lakhs. Cardholders can also enjoy 24/7 concierge service at a chargeable basis, lounge access, and merchant offers.
#3. Select variant – Top-tier variant, offering an array of exclusive features, including access to spa and gym facilities, free health check-ups, access to golf games, and lounge access. Additionally, cardholders are provided personal accident and permanent disability cover of up to 10 lakhs.
Conclusion
If you frequently use IOCL filling stations, consider IndianOil Axis Bank RuPay Platinum Credit Card is a great option with its fuel surcharge waiver and 5% reward return on fuel purchases.
The HDFC UPI Rupay and BoB Easy RuPay Credit Card with UPI integration is a convenient choice for those who prefer digital payments.
For those who frequently make purchases at CSD canteens, the SBI Shaurya Rupay Select Credit Card offers exclusive discounts and rewards. You can earn 10 reward points per Rs. 100 spent on Dining, Movies, Departmental Stores & Grocery (including CSD canteen) spends.
