10 Best Rupay Credit Cards in India
For years, Visa and Mastercard have dominated India’s credit card market, but the rise of RuPay credit cards is shifting preferences. Offering benefits tailored for local spending, RuPay has become a great option for saving on everyday purchases. In this guide, we’ll explore the best RuPay credit cards in India to help you choose the right one!
List of Best Rupay Credit Cards
- Jupiter Edge CSB Bank RuPay Credit Card
- Bank of Baroda Premier RuPay Credit Card
- Federal Bank RuPay Signet Credit Card
- IDFC First Power RuPay Select Credit Card
- Indian Oil HDFC Bank RuPay Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- Yatra SBI RuPay Credit Card
- ICICI Coral RuPay Credit Card
- PNB RuPay Select Credit Card
- HDFC MoneyBack+ RuPay Credit Card
Jupiter Edge CSB Bank RuPay Credit Card
The Jupiter Edge CSB Bank Rupay Credit Card offers a distinctive blend of credit card flexibility and UPI Payment convenience. This all-in-one card lets you seamlessly switch between shopping, travel, and dining categories to optimize your cashback rewards.
Card Details:
- Annual Fee: The Jupiter Edge CSB Bank Rupay Credit Card is completely free for life, meaning no annual fee is required.
- UPI Payments: This card integrates effortlessly with UPI, enabling smooth QR code scanning and payments.
- Card Controls: Manage your card conveniently through the Jupiter app, where you can freeze or unfreeze it, reset your PIN, and adjust spending limits.
- Security: Enjoy enhanced securities with one-tap card controls, quick access to card details, and a strong fraud protection mechanism.
- Spend Tracking: Monitor your spending with detailed insights across both UPI transactions and credit card usage.
Cashback and Rewards
- Earn 2% cashback on every transaction, be it shopping for clothes, booking flights or dining at your favourite restaurant.
- Get 0.4% cashback on all other UPI and credit card expenses.
- Enjoy a welcome bonus of Rs.250 on your first UPI and card transaction.
Bank of Baroda Premier RuPay Credit Card
The Bank of Baroda Premier Rupay Credit Card is ideal for frequent travellers seeking card with exclusive travel benefits and reward points.
Card Details:
- Joining and Annual fees are both Rs.1,000 each.
- Get both fees reversed by achieving the specified spending milestone within a year.
- Avail extra perks, such as fuel surcharge waiver on transactions ranging from Rs.400 to Rs.5,000 (with a maximum waiver of Rs.250 per month).
- Benefit from complimentary access to exclusive airport lounges.
- Easily convert purchases over Rs. 2,500 into EMIs for hassle-free payment.
Cashback and Rewards
- Get a welcome benefit of 500 reward points by spending Rs.5,000 or more within 60 days.
- Earn 10 Reward Points for every Rs.100 spent on travel and international transactions.
- Earn 10 Reward Points for every Rs.100 spent on all other purchases.
- Redeem your points for cashback at Rs 0.25 paise per point.
Federal Bank RuPay Signet Credit Card
The Federal Bank RuPay Signet Credit Card is a contemporary and practical choice for anyone adopting digital payments. Packed with an array of features and benefits, It ensures a smooth and rewarding experience. Explore its features now:
Card Details:
Annual Percentage Rate (APR): Starts at 0.69% per month (8.28% per annum)
UPI Integration: Effortlessly connect your Rupay Signet Credit Card with your UPI ID for secure and hassle-free transactions.
Insurance and Services: Get personal accident insurance worth Rs.2 lakh 24/7 concierge services for enhanced convenience.
Lounge Access: Access complimentary lounge services once every quarter at domestic airports.
Exclusive offers: Unlock a variety of Rupay offers across categories like travel, dining, shopping, sports, entertainment, lifestyle, and more.
No Fees: Enjoy a lifetime free credit card with zero membership or joining fees.
Cashback and Rewards
- Welcome Offer: Enjoy an Amazon Pay e-Voucher worth Rs.200 when you spend a minimum of Rs.3,000 in the first 30 days.
- Personalised Rewards: Benefit from the 3-2-1 rewards structure, earning 3x rewards on Electronics & Apparel, 2x rewards on Entertainment, and 1x rewards on other categories.
- Quarterly Perks: Enjoy Buy One Get One (BOGO) offers on INOX movie tickets and complimentary Swiggy vouchers with a quarterly spend of Rs.20,000.
IDFC First Power RuPay Select Credit Card
The IDFC FIRST Power Rupay Select Credit Card is ideal for individuals with frequent fuel expenses It provides various benefits and rewards focused on fuel purchases, making it an excellent option for those who are regularly on the move.
Card Details
- Joining Fee: Rs.199
- Annual Fee: Rs.199 (2nd year onwards)
- Annual Fee Waiver: If you spend 50,000 or more within a year, the annual fee is waived
- Interest Rates: This card features competitive and flexible interest rates beginning at 9% per annum
- Interest-Free Cash Withdrawals: Experience 0% interest on ATM cash withdrawals until the due date.
- Other Benefits: Additional perks include complimentary roadside assistance, personal accident coverage, and lost card liability protection.
Cashback and Rewards
- Welcome Benefits: Enjoy welcome benefits worth Rs.2250, including Rs.250 cashback on your first HPCL fuel transaction and a 5% cashback (up to Rs.1,000) on your first EMI conversion.
- Fuel Savings: Save up to Rs.7,000 annually on your fuel expenses, equivalent to buying 65+ liters of fuel.
- Rewards on Everyday Expenses: Earn 2.5% rewards on grocery and utility expenses, as well as 2.5% rewards on IDFC FIRST FASTag recharges.
- Enhanced Rewards: Enjoy 2X rewards on other retail transactions, allowing you to accumulate points quickly.
Indian Oil HDFC Bank RuPay Credit Card
The Indian Oil HDFC Bank RuPay Credit Card is a fuel-centric credit card designed to offer significant savings on your fuel expenses. This card comes with various advantages such as fuel points, cashback, and complimentary membership to the IndianOil XTRAREWARDS Program.
Card Details
- 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.
Cashback and Rewards
- Welcome Offer: Enjoy a complimentary IndianOil XTRAREWARDS Program (IXRP) membership, which allows you to redeem fuel points for free fuel at participating IndianOil petrol stations.
- Fuel Points: Earn 5% of your spends as Fuel Points at IndianOil outlets, groceries, and bill payments. You can redeem these points for free fuel or other rewards.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all IOCL fuel stations across India on transactions of Rs.400 or more.
- Renewal Offer: Spend Rs.50,000 or more in the first year and get a waiver on the renewal membership fee.
Tata Neu Infinity HDFC Bank Credit Card
The Tata Neu Infinity HDFC Bank Credit Card is a Rupay card that features a tiered reward program designed for spending within the Tata Neu ecosystem and Affiliated brands.
Card Details
- The card has an annual fee of Rs.1,499 plus taxes.
- The fee is waived if you spend Rs.3 lakh or more in a year before the renewal date.
- Enjoy contactless payments for transactions up to Rs. 5,000 without entering your PIN.
- Benefit from zero lost card liability when you report a lost card immediately.
- The card includes insurance coverage for accidental air death, emergency overseas hospitalization, lost card liability.
Cashback and Rewards
- Earn NeuCoins through loyalty program
- Get 5% NeuCoins back on Non-EMI transactions, at Tata Neu and partner brands.
- Enjoy 1.5% NeuCoins back on other merchant purchases and EMI transactions.
- Earn up to 1.5% NeuCoins on eligible UPI payments (monthly cap of 500 NeuCoins).
- Use Tata Neu UPI ID for an extra 1% NeuCoins back.
- Boost rewards by 5% of NeuCoins on selected categories via Tata Neu Pass registration.
- Fuel savings: 1% waiver on fuel surcharge fees at petrol stations (minimum transaction Rs.400, maximum Rs.5,000, with a monthly cap of Rs.500).
- Travel Benefits: Complimentary domestic lounge access (up to 8 visits per year) and international lounge access (up to 4 visits per year) Some charges may apply based on card type and usage.
Yatra SBI RuPay Credit Card
The Yatra SBI Credit Card is a Rupay card tailored for regular travelers who prefer booking their journeys via Yatra.com. The card carries an annual fee of Rs.499 (excluding applicable taxes). which is waived if you spend Rs.1,00,000 in a year.
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.
Cashback and Benefits
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Get Rs.8,250 in Yatra.com vouchers as a welcome gift after card approval and annual fee payment.
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Domestic flight bookings (2 vouchers worth Rs. 500 each)
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International flight bookings (2 vouchers worth Rs. 1,000 each)
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Domestic holiday packages (1 voucher worth Rs. 1,500)
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Hotel bookings (1 voucher worth Rs. 750)
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International holidays (1 voucher worth Rs. 3,000)
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Earn 6 reward points for every Rs.100 spent on departmental stores, groceries, dining, movies, , and entertainment with a cap of 5,000 points per month.
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You’ll also earn 6 points per Rs. 100 spent on international transactions (capped at 5,000 points per month).
ICICI Coral RuPay Credit Card
The ICICI Coral Rupay Credit Card is an excellent option for anyone seeking an affordable credit card that comes with attractive benefits.
Card Details
- 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.
Cashback and Rewards
- Welcome Bonus: Enjoy a welcome bonus of Rs.500 upon card activation.
- UPI Rewards: Earn rewards on every Rupee spent using your RuPay Credit Card for UPI transactions and bill payments.
- Lounge Access: Experience complimentary airport and railway lounge access up to four times per quarter.
- Entertainment Discounts: Enjoy attractive discounts on BookMyShow and INOX.
PNB RuPay Select Credit Card
The PNB Rupay Select Credit Card is an excellent option for individuals seeking lounge access and cashback without incurring high fees. It provides various benefits at an affordable price, making it a compelling choice.
Card Details
- Minimum Joining Fees: 500
- Annual Fees: Nill
- Complimentary Lounge Access: Experience complimentary access to domestic and international lounges, ensuring a comfortable and relaxing atmosphere while you travel.
- Exclusive Cashback Offers: Take advantage of exclusive cashback deals on utility bills, dining, and restaurants allowing you to save more on your daily expenses.
- Comprehensive Insurance Coverage: This card provides extensive insurance coverage to safeguard you against unexpected situations.
- 24/7 Concierge Services: Enjoy personalised assistance and support from the 24/7 concierge service.
- 300+ Merchant Offers: Make the most of numerous merchant offers and discounts to enhance your savings.
Cashback and Rewards
- Welcome Offer: Enjoy 300+ reward points on your first usage of the card.
- Enhanced Rewards: Earn 2X reward points on all merchandise purchases, allowing you to earn points faster.
- Convenient Reward Redemption: Easily redeem your reward points for a variety of exciting options through the PNB GENIE mobile app.
HDFC MoneyBack+ RuPay Credit Card
The HDFC MoneyBack+ RuPay Credit Card is a reward-oriented credit card aimed at providing benefits on your daily purchases. Featuring substantial cashback opportunities and extra advantages, this card can assist you in maximizing your savings.
Card Details
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: Receive a 1% waiver at fuel purchases, with a minimum of Rs.400 and a maximum of Rs.5,000 and a cap of Rs.250 per statement cycle.
Contactless Payments: Enjoy quick and convenient transaction capabilities.
Zero Liability: To prevent liability for unauthorized transactions, report a lost card immediately.
Exclusive Dining Privileges: Access discounts via Swiggy Dineout.
Smart EMI: Transform large purchases into easy EMIs
Rewards Redemption: Use CashPoints to offset your statement balance, access travel benefits, or choose items from the reward catalog.
Conclusion
Rupay credit cards in India offer diverse benefits, including low fees, cashback, and rewards. Choosing the right card enhances financial flexibility, making everyday transactions rewarding and convenient for users across the nation.