RuPay is India's domestic payment network, ensuring secure and phishing-free card transactions. Similar to international networks like Visa and MasterCard, RuPay partners with top card issuers like HDFC, ICICI, or SBI to offer various credit cards. This gives cardholders options to choose cards that suit their needs. What sets RuPay apart is its integration with UPI, allowing cardholders to link their RuPay cards and make payments without repeatedly entering card details. With this feature, RuPay cardholders can use their cards for UPI transactions and earn rewards and benefits.
Best RuPay Credit Cards in India
Here are some of the top RuPay credit cards in India that can help you save on expenses:
HDFC Bank UPI RuPay Credit Card
Best Suited for UPI Transactions
Joining Fee/ Annual Fee: Rs. 99
The HDFC Bank UPI RuPay Credit Card is a virtual credit card designed for linking with UPI payments. Cardholders can earn CashPoints on both UPI and regular transactions. It's ideal for those seeking an entry-level credit card with low annual fees that also provides benefits on UPI transactions. Here are some key features of this top RuPay credit card:
Features of HDFC Bank UPI RuPay Credit Card
- Each CashPoint is equivalent to Re. 0.25 or 0.25 Airmile.
- Get 2% CashPoints, up to 500 points per month, on utility bill payments.
- Earn 3% CashPoints, up to 500 points per month, on PayZapp transactions, groceries, supermarket purchases, and dining expenses.
- Earn 1% CashPoints, up to 500 points per month, on other purchases, excluding rent, wallet loads, EMI payments, fuel purchases, and government transactions.
Myntra Kotak RuPay Credit Card
Best Suited for Online Shopping
Joining/ Annual Fee: Rs. 500
The Myntra Kotak RuPay credit card is a co-branded card that provides a 7.5% discount on every purchase made at Myntra. Additionally, cardholders can save on transactions at partner merchants such as Swiggy, Cleartrip, Urban Company, and PVR. The card also offers other benefits including complimentary lounge access, free PVR tickets, Myntra Insider Membership, and more. If you frequently shop at Myntra and want to receive direct discounts on your expenses, this card could be a good option for you.
Features of Myntra Kotak RuPay Credit Card
- 5% cashback on purchases at partner merchants like Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.
- Unlimited 1.25% cashback on purchases in other categories.
- Enjoy an instant discount of 7.5% on every transaction at Myntra.
- Receive complimentary Myntra Insider Membership.
- Get a Myntra voucher worth Rs. 500 upon completing the first transaction of Rs. 500 or more within 30 days of card issuance.
- Receive 2 complimentary PVR movie tickets every quarter upon spending Rs. 50,000 or more in a quarter.
- Enjoy 1 complimentary domestic lounge access per quarter.
HDFC MoneyBack+ RuPay Credit Card
Best Suited for Online Shopping
Joining/ Annual Fee: Rs. 500
The HDFC MoneyBack+ RuPay Credit Card is an upgraded version of the HDFC MoneyBack RuPay Credit Card. Cardholders can earn accelerated rewards on popular brands like Amazon, Swiggy, BigBasket, and others. These rewards are provided as CashPoints, which can be redeemed for cash credit, flight or hotel bookings, products and vouchers from the rewards catalogue, and Air Miles. Additionally, this card offers higher rewards on EMI spends, making it a suitable choice for those who spend more.
Features of HDFC MoneyBack+ RuPay Credit Card
- Earn 10X CashPoints on purchases made at Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
- Get 5X CashPoints on EMI spends at merchant locations.
- Earn 2 CashPoints for every Rs. 150 spent on other categories.
- Receive 500 CashPoints after payment of the joining and renewal fee.
- Get gift vouchers worth Rs. 500 upon reaching quarterly spends of Rs. 50,000 or more.
- Enjoy up to 20% discount on partner restaurants through Swiggy Dineout.
Tata Neu HDFC RuPay Credit Cards
Best Suited for Shopping
• Joining Fee/ Annual Fee: Rs. 499 (Tata Neu Plus HDFC RuPaY Credit Card)
• Joining Fee/ Annual Fee: Rs. 1,499 (Tata Neu Infinity HDFC RuPaY Credit Card)
The Tata Neu HDFC RuPay credit card is an entry-level card available in two variants: Tata Neu Plus HDFC RuPay Credit Card and Tata Neu Infinity RuPay Credit Card. These cards can be applied for via the Tata Neu app and offer value back in the form of Neu Coins on every spend. However, since they are co-branded cards, both variants provide enhanced benefits on Tata Neu transactions.
Features of Tata Neu HDFC RuPay Credit Cards
- Earn up to 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands like Air India, Westside, etc.
- Get up to 1.5% back as NeuCoins on non-Tata brand spends and any merchant EMI spends.
- Receive an additional 5% back as NeuCoins on transactions made on the Tata Neu app/website after downloading the Tata Neu app and registering for Tata NeuPass.
- Enjoy up to 8 domestic lounge accesses per calendar year (2 in a quarter).
- Get 4 complimentary lounge accesses per calendar year (1 per quarter) outside India for RuPay cards.
IRCTC SBI RuPay Platinum Credit Card
Best Suited for Railway Ticket Bookings
Joining Fee: Rs. 500 | Annual Fee: Rs. 300
The IRCTC SBI RuPay Credit Card is a travel credit card with various travel benefits, including discounts on railway bookings, complimentary railway lounge access, rewards on every spend, and a fuel surcharge waiver. The card provides a value back of 10% on every railway ticket booking, making it an excellent choice for frequent train travelers.
Features of IRCTC SBI RuPay Credit Card
- Receive 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.
- Enjoy a 10% value back, through reward points, when booking AC1, AC2, AC3, Executive Chair Card, and Chair Car tickets via the IRCTC website or mobile app.
- Get a 1% transaction charge waiver on railway ticket bookings through IRCTC.
- Earn 1 reward point for every Rs. 125 spent on non-fuel retail purchases.
- Receive 4 complimentary railway lounge access passes in a year.
IndianOil Axis RuPay Credit Card
Best Suited for Co-branded Fuel Benefits
Joining/ Annual Fee: Rs. 500
The IndianOil Axis RuPay Credit Card is designed for individuals who frequently use IndianOil for fuel and desire to earn value back on their fuel expenses. With this card, users can receive a value back of up to 5% on IndianOil fuel transactions through reward points, along with a fuel surcharge waiver. Additionally, cardholders can avail cashback as a welcome benefit and discounts on BookMyShow.
Features of IndianOil Axis RuPay Credit Card
- Get 4% value back on fuel transactions by earning 20 reward points per Rs. 100 spent at any IndianOil (IOCL) outlets.
- Earn 1% value back by earning 5 reward points per Rs. 100 spent on online shopping.
- Enjoy 100% cashback (up to Rs. 250) on your fuel transactions in the first 30 days of card issuance.
- Avail a 1% fuel surcharge waiver on your transactions between Rs. 200 and Rs. 5,000 per month.
- Get a 10% discount on booking movie tickets through the BookMyShow app or website.
- Earn 1 EDGE reward point on every Rs. 100 spent via this credit card.
ICICI HPCL Super Saver RuPay Credit Card
Best Suited for HPCL Fuel Expenses
Joining/ Annual Fee: Rs. 500
The ICICI HPCL Super Saver RuPay Select Credit Card is a co-branded credit card designed to help cardholders save up to 6.5% on fuel expenses at HPCL outlets. This fuel credit card stands out by offering accelerated rewards not just on fuel purchases but also on daily expenses like groceries and departmental store purchases. Cardholders can redeem their earned rewards for fuel purchases at HPCL, enabling them to earn free fuel annually.
Features of ICICI HPCL Super Saver RuPay Select Credit Card
- Receive 2,000 reward points on spending at least Rs. 5,000 within 45 days of card issuance.
- Get Rs. 100 cashback on recharge transactions of at least Rs. 1,000 through the HP Pay app.
- Enjoy 4% cashback of up to Rs. 200 per month on fuel purchases at HPCL pumps.
- Earn 5% back as reward points on grocery, departmental store, and utility bill spends.
- Receive 2 reward points for every Rs. 100 spent on retail purchases.
- Enjoy an additional 1.5% savings as 6 points per Rs. 100 spent on fuel at HPCL outlets when using the HP Pay app for payment.
- Avail 1% cashback on fuel surcharge applicable on all fuel spends of up to Rs. 4,000.
- Get 25% off on booking at least 2 movie tickets on BookMyShow and INOX.
- Receive 1 complimentary domestic airport lounge access per quarter upon spending Rs. 5,000 in the previous calendar quarter.
Suggested read: Best Entry-level Credit Cards in India
FAQs
Which RuPay credit card is best for UPI transactions?
Cardholders have the option to link RuPay credit cards with UPI and enjoy benefits on both UPI and regular transactions. If you're seeking a RuPay credit card with a low annual fee, consider applying for the HDFC Bank UPI RuPay Credit Card. However, if you prefer brand-specific benefits, co-branded cards like Myntra Kotak, Tata Neu HDFC, IndianOil Axis, etc., might be more suitable.
Which RuPay credit card offers lounge access?
Many RuPay credit cards offer complimentary lounge access benefits, but the number of visits allowed per year varies. If you're interested in a RuPay credit card with lounge access benefits, you may consider options such as Myntra Kotak, Tata Neu HDFC, or ICICI HPCL Super Saver cards.
How can I apply for a RuPay credit card?
Most card issuers provide RuPay credit cards. To apply online, you can visit either the official RuPay website or the issuer's website. You'll need to fill out an application and submit relevant documents. Alternatively, you can apply offline by visiting the nearest branch of the card issuer.
What are the benefits of RuPay credit cards?
RuPay credit cards work much like standard credit cards, offering benefits on your everyday transactions. With RuPay cards, you can earn rewards, cashback, complimentary lounge access, memberships, gift vouchers, and more. What makes RuPay credit cards unique is their integration with UPI. By linking your RuPay credit card with UPI, you can also earn benefits on your UPI transactions.
Which banks offer RuPay credit cards?
Most major issuers like HDFC, ICICI, SBI, Kotak, Axis, and others provide RuPay credit cards. You can apply for a RuPay credit card online or offline by contacting the respective card issuer.
How can I link my RuPay credit card with UPI?
Cardholders can link their RuPay credit cards with UPI using a UPI-enabled mobile app. To do this, you need to add your card information under the 'Payment' section by entering details like the card number, CVV, and expiry date. Once added, you can use your RuPay credit card for UPI transactions.