Apply Best RuPay Credit Cards in India 2024

RuPay stands as India’s domestic payment network, providing a secure and phishing-free environment for card transactions. Like other international payment networks, such as Visa and MasterCard, RuPay collaborates with leading card issuers like HDFC, ICICI or SBI to offer a diverse range of credit cards, allowing cardholders to choose a card as per their needs and requirements.

However, the best part about RuPay credit cards is that now cardholders can link their RuPay cards with UPI and make payments without repeatedly entering the card number, CVV, and other details. Now, RuPay cardholders can use their cards for UPI QR codes and earn rewards as well as other benefits. Here is a list of the best RuPay credit cards that can help you save on your regular as well as UPI transactions.

Top RuPay Credit Cards in India for December 2024

Here is a list of the top RuPay credit cards in India that will help you save on your expenses:

Top Credit Cards in India | Other RuPay Credit Cards | Check Eligibility for Top Cards | FAQs

Video: Best RuPay Credit Cards – Best Credit Cards for UPI Payments

Best RuPay Credit Cards - Best Credit Cards for UPI Payments | Save Upto 3% Value Back on UPI Spends

1. HDFC Bank UPI RuPay Credit Card

Best Suited for UPI Transactions

Joining Fee/ Annual Fee: Rs. 99

HDFC Bank UPI RuPay Credit Card is a virtual credit card that allows cardholders to link their cards for UPI payments. Cardholders can earn value back in the form of CashPoints on their UPI as well as regular transactions. Individuals looking for an entry-level low annual fee credit card that offers benefits on UPI transactions can consider this card. Below mentioned are some of the key features of this one of the best RuPay credit cards:

Features of HDFC Bank UPI RuPay Credit Card

• 3% CashPoints of up to 500 points per month on PayZapp transactions, groceries, supermarket, and dining spends
• 2% CashPoints of up to 500 points per month on utility spends
• 1% CashPoints of up to 500 points per month on other purchases, except on rent, wallet loads, EMI, fuel, and government spends
• 1 CashPoint = Re. 0.25/ 0.25 Airmile

Suggested read: Best Rewards Credit Cards in India | Check Eligibility for Top Cards

2. Myntra Kotak RuPay Credit Card

Best Suited for Online Shopping

Joining/ Annual Fee: Rs. 500

Myntra Kotak RuPay is a co-branded credit card that offers a 7.5% discount every time you shop at Myntra. Besides this, cardholders can also save on transactions done at partner merchants, such as Swiggy, Cleartrip, Urban Company, and PVR.
The card also offers other benefits like complimentary lounge access, free PVR tickets, Myntra Insider Membership, and much more. If you frequently shop at Myntra and are looking for an option to avail direct discount on your expenses, you can consider this card. Some of the major features of this credit card are as follows:

Features of Myntra Kotak RuPay Credit Card

• 5% cashback on spends at partner merchants, including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company
• Unlimited 1.25% cashback on spends at other categories
• Instant discount of 7.5% on each transaction at Myntra
• Complimentary Myntra Insider Membership
• Myntra voucher worth Rs. 500 on completing the first transaction worth Rs. 500 or more within 30 days of card issuance
• 2 complimentary PVR tickets every quarter on spending Rs. 50,000 or above in a quarter
• 1 complimentary domestic lounge access per quarter

Suggested read: Best Co-branded Credit Cards in India | Check Eligibility for Top Cards

3. HDFC MoneyBack+ RuPay Credit Card

Best Suited for Online Shopping

Joining/ Annual Fee: Rs. 500

HDFC MoneyBack+ RuPay Credit Card is an advanced variant of HDFC MoneyBack RuPay Credit Card. Cardholders can earn accelerated rewards on popular brands, such as Amazon, Swiggy, BigBasket, and more.
The value back is offered in the form of CashPoints, which can be redeemed against cash credit, flight or hotel bookings, products & vouchers from the rewards catalogue, and Air Miles. Additionally, this card also offers higher rewards on EMI spends which makes it a suitable option for high spenders. Here are some of the major features of this card:

Features of HDFC MoneyBack+ RuPay Credit Card

• 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
• 5X CashPoints on EMI spend at merchant locations
• 2 CashPoints per Rs. 150 spent on other categories
• 500 CashPoints after the payment of joining and renewal fee
• Gift vouchers worth Rs. 500 on reaching quarterly spends of Rs. 50,000 or more
• Up to 20% discount on partner restaurants via Swiggy Dineout

Suggested read: Best Credit Cards for Online Shopping | Check Eligibility for Top Cards

4. 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)

Tata Neu HDFC RuPay is an entry-level credit card and is offered in two variants; Tata Neu Plus HDFC RuPay Credit Card and Tata Neu Infinity RuPay Credit Card.
Individuals can apply for any of these cards through the Tata Neu app and earn value back through Neu Coins on every spend. However, being co-branded cards, both variants offer higher benefits on Tata Neu transactions. Here are some of the major features of these cards:

Features of Tata Neu HDFC RuPay Credit Cards

• Up to 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands, such as Air India, Westside, etc.
• Up to 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
• Additional 5% back as NeuCoins on transactions done on Tata Neu app/ website, post downloading Tata Neu app and registering for Tata NeuPass
• Up to 8 domestic lounge access per calendar year (2 in a quarter)
• 4 complimentary lounge access per calendar year (1 per quarter), outside India for RuPay Card

Suggested read: Best Shopping Credit Cards in India | Check Eligibility for Top Cards

5. IRCTC SBI RuPay Platinum Credit Card

Best Suited for Railway Ticket Bookings

Joining Fee: Rs. 500 | Annual Fee: Rs. 300

IRCTC SBI RuPay Credit Card is a travel credit card that offers multi-faceted travel benefits, including discount on railway bookings, complimentary railway lounge access, rewards on every spend, and fuel surcharge waiver. The card offers a value back of 10% on every railway ticket booking, which is a great deal for frequent travellers. This credit card is suitable for individuals who prefer to travel via train. Here are some of the major benefits of this card:

Features of IRCTC SBI RuPay Credit Card

• 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance
• 10% value back, through reward points, upon booking AC1, AC2, AC3, Executive Chair Card, and Chair Car tickets via IRCTC website or mobile app
• 1% transaction charge waiver on railway ticket bookings through IRCTC
• 1 reward point for every Rs. 125 spent on non-fuel retail purchases
• 4 complimentary railway lounge access in a year

Suggested read: Best Travel Credit Cards in India | Check Eligibility for Top Cards

6. IndianOil Axis RuPay Credit Card

Best Suited for Co-branded Fuel Benefits

Joining/ Annual Fee: Rs. 500

IndianOil Axis RuPay Credit Card is designed for individuals who prefer IndianOil over other fuel outlets and want to earn a decent value back on their fuel expenses. The card offers a value back of up to 5% on IndianOil fuel transactions through reward points and a fuel surcharge waiver.
Moreover, cardholders can also avail cashback as a welcome benefit and discount on BookMyShow. Below mentioned are some of the major benefits of this co-branded fuel credit card:

Features of IndianOil Axis RuPay Credit Card

• 4% value back on fuel transactions by earning 20 reward points per Rs. 100 spent at any IOCL outlets
• 1% value back by earning 5 reward points per Rs. 100 spent on online shopping
• 1 EDGE reward point on every Rs. 100 spent on other categories
• EDGE reward points (worth up to Rs. 250) equivalent to the value of 1st fuel spend made within 30 days of card issuance
• 1% fuel surcharge waiver on your transactions between Rs. 400 and Rs. 4,000 per month
• 10% discount on booking movie tickets through BookMyShow app or website

Suggested read: Best Fuel Credit Cards in India | Check Eligibility for Top Cards

7. ICICI HPCL Super Saver RuPay Credit Card

Best Suited for HPCL Fuel Expenses

Joining/ Annual Fee: Rs. 500

ICICI HPCL Super Saver RuPay Select Credit Card is a co-branded credit card that allows cardholders to save up to 6.5% on their fuel expenses at HPCL.
Being a fuel credit card, it outshines among other similar cards by offering accelerated rewards on daily expenses as well, such as grocery and departmental store purchases.
Cardholders can redeem the earned rewards for fuel purchases at HPCL, allowing them to earn free fuel every year. Some of the major benefits of this one of the best RuPay credit cards are listed below:

Features of ICICI HPCL Super Saver RuPay Select Credit Card

• 2,000 reward points on spending at least Rs. 5,000 within 45 days of card issuance
• 100 cashback on recharge transaction of at least Rs. 1,000 through HP Pay app
• 4% cashback of up to Rs. 200 per month on fuel purchases at HPCL pumps
• 5% back as reward points on grocery, departmental stores, and utility bill spends
• 2 reward points for every Rs. 100 spent on retail purchases
• Additional 1.5% savings as 6 points per Rs. 100 spent on fuel at HPCL fuel outlets on payment via HP Pay app
• 1% cashback on fuel surcharge applicable on all fuel spends of up to Rs. 4,000
• 25% off on booking at least 2 movie tickets on BookMyShow and INOX
• 1 complimentary domestic airport lounge access per quarter on spending Rs. 5,000 in the previous calendar quarter

Suggested read: Best Entry-level Credit Cards in India | Check Eligibility for Top Cards