Top 10 RuPay Credit Cards in India 2025

Rupay is India’s own global card payment network that provides a secure and phishing-free environment for card transactions. In June 2022, the Reserve Bank of India allowed the linking of Rupay Credit Cards with UPI Platforms, allowing users to make quick and card-less payments using their smartphones. Initially, only a few credit cards were available on the Rupay platform, but now almost all major card issuers like HDFC Bank, SBI Card, Axis Bank and ICICI Bank have started offering Rupay variants of their existing credit cards, with some launching entirely new cards on the Rupay network.

10 Best Rupay Credit Cards in India for January 2025

Tata Neu Infinity HDFC Credit Card

3.5_/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands

8 domestic and 4 international Priority Pass lounge access per year

Travel

Shopping

Co-branded

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Product Details

• 1,499 NeuCoins after the first spend within 30 days of card issuance
• 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
• Additional 5% NeuCoins on select spends at Tata Neu app/website
• Low forex markup fee of 2%

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YES Bank Paisabazaar PaisaSave Credit Card

4_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

3% Cashback Points on e-commerce spends, max. 5,000 points/month

Unlimited 1.5% Cashback Points on all other spends, including UPI

Cashback

Online Shopping

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Product Details

• Earned Cashback Points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
• 1.5% cashback on online spends made after reaching the monthly capping
• Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
• 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000

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Myntra Kotak Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

Co-branded

Cashback

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Product Details

• 7.5% off up to Rs. 750 per transaction on Myntra
• 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
• 1.25% cashback across all other transactions
• 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
• 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000

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HDFC Bank UPI RuPay Credit Card

3_/5

Joining fee: ₹99

Annual/Renewal Fee: ₹99

Up to 3% CashPoints on card spends, including UPI transactions

Gift voucher worth Rs. 250 as welcome bonus

Shopping

Reward Points

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Product Details

• 3% CashPoints, up to 500 points per month, on PayZapp, groceries, supermarket &dining spends
• 2% CashPoints, up to 500 points per month, on utility spends
• 1% CashPoints, up to 500 points per month, on other spends
• Annual fee waived off on reaching Rs. 25,000 annual spends

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HDFC MoneyBack+ Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

5X CashPoints on EMI transactions at select merchants

Shopping

Reward Points

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Product Details

• 2 CashPoints per Rs. 150 spent on other categories
• 500 CashPoints as welcome benefit after the payment of joining fee
• Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits

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AU Ixigo Credit Card

3.5_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% discount on travel bookings at Ixigo

4X reward points on train bookings via Ixigo

Travel

Co-branded

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Product Details

• 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
• 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
• 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
• 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India

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ICICI HPCL Super Saver Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6.5% savings on HPCL fuel spends

5% back on grocery & utilities

Fuel

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Product Details

• 4% cashback, max. Rs. 200 per month, on HPCL spends & 1% on fuel surcharge
• Save additional 1.5% as 6 reward points per Rs. 100 spent on HPCL fuel via the HP Pay app
• 2 reward points per Rs. 100 spent on other retail purchases, 1 RP = Rs. 0.25
• Rs. 100 cashback on recharge via HP Pay app & 2,000 reward points as joining bonus
• 1 domestic airport lounge access per quarter on spending Rs. 35,000 in the previous quarter

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IRCTC SBI Platinum Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹300

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel

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Product Details

• 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 45 days
• 10% value-back through reward points upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
• 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
• 4 complimentary railway lounge access in a year
• Waiver of 1% transaction charge on railway ticket bookings

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IndusInd Bank Platinum RuPay Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 2% Reward Points on UPI spends

Up to 12 complimentary domestic airport lounge access every year

Reward Points

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Product Details

• 2 Reward Points per Rs. 100 spent on UPI transactions
• 1 Reward Point per Rs. 100 spent on non-UPI transactions
• 0.7 Reward Points per Rs. 100 spent on utility, insurance, government and education-related payments
• 1% fuel surcharge waiver, up to Rs. 40 per month, on fuel spends

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Video: 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

Best Rupay Credit Cards in India: Detailed Features and Benefits

Given below are the detailed features and benefits of top Rupay Credit Cards in India that can help consumers avail significant value-back on their UPI transactions. Additionally, our reviews for each card highlight the key reasons they stand out and earned their place on this list.

Tata Neu Infinity HDFC Bank Credit Card

Best for: Online Shopping within Tata Group

Joining Fee: Rs. 1,499 + Taxes
Annual Fee: Rs. 1,499 + Taxes

Key Features:

• 1499 NeuCoins as welcome benefit
• 5% back as NeuCoins on Tata Neu and partner Tata brands such as Air India, Westside, etc.
• 5% back as NeuCoins on Non-Tata brand spends
• 5% back as NeuCoins on UPI spends via RuPay card variant
• 5% back as NeuCoins on merchant EMI spends
• Additional 5% back as NeuCoins on Tata Neu App/Website
• 8 complimentary domestic lounge visits in a year
• 4 complimentary international lounge visits in a year

Offering up to 10% savings on Tata Group Brands, the benefits on this credit card spans multiple categories like grocery, travel, lifestyle, etc. Cardholders get 1.5% cashback on their UPI spends- a solid return, especially for someone who frequently shops at the associated brands and can easily redeem the rewards for maximum value.

YES Bank Paisabazaar PaisaSave Credit Card

Best for: Online Shopping

Joining Fee: Nil
Annual Fee: Rs. 499 + Taxes

Key Features:

• 3% cashback on all online spends without any merchant restrictions
• 5% unlimited cashback on all offline and UPI spends
• 3% cashback is capped at Rs. 5,000 per month, after which 1.5% cashback rate will be applicable without any capping
• Renewal fee waived off on reaching annual spends of Rs. 1.2 Lakh in the preceding year
• 1% fuel surcharge waiver up to Rs. 250 per month

A great option for online shoppers, YES Bank Paisabazaar PaisaSave Credit Card offers 3% cashback across all online spends. Whether you’re shopping on Amazon, Flipkart, Myntra, Ajio, booking travel on MakeMyTrip, Ixigo, Cleartrip, or making any other online transaction, you’ll get consistent 3% savings. Additionally, on UPI spends, you earn 1.5% unlimited cashback, which is why it can be a valuable addition to your wallet.

Myntra Kotak Credit Card

Best for: Myntra Loyalists

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

Key Features:

• Instant 7.5% discount on each transaction made on Myntra (maximum discount of Rs. 750 per transaction)
• 5% cashback on partner brands including PVR, Cleartrip, Swiggy, Swiggy Instamart and Urban Company
• Unlimited 1.25% cashback on all other eligible online and offline spends including UPI spends
• Myntra voucher worth Rs. 500 as activation benefit
• 2 complimentary PVR movie tickets every quarter as milestone benefit
• 1 complimentary domestic lounge visit per quarter
• 1% fuel surcharge waiver, capped at Rs. 3,500 per year

Myntra Kotak Credit Card is an excellent pick for those who frequently shop at Myntra, as the card offers direct discount on every transactions, without any minimum order value. Through the Rupay Variant, cardholders can earn 1.25% cashback on UPI spends, allowing them to earn good returns on small everyday transactions.

HDFC Bank UPI Rupay Credit Card

Best for: UPI Transactions

Joining Fee: Rs. 99 + Taxes
Annual Fee: Rs. 99 + Taxes

Key Features:

• 3% CashPoints on Dining, Groceries and Supermarket Spends and on PayZapp Transactions (max. 500 Cashpoints per month)
• 2% CashPoints on Utility Spends (max. 500 Cashpoints per month)
• 1% CashPoints on all other spends
• Above benefits are applicable on UPI spends as well, depending on the transaction category
• 1 CashPoint = Rs. 0.25

Designed specifically for UPI transactions, this virtual credit card from HDFC Bank offers up to 3% cashback. Cardholders will earn 3% back on quite practical categories like dining, grocery, and departmental store spends, whereas utility spends will earn 2% cashback. All other UPI transactions will earn 1% cashback- a decent return for an entry-level credit card.

HDFC Bank MoneyBack Plus Credit Card

Best for: Online spends with partner brands

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

Key Features:

• 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart SuperStore
• 5X CashPoints on EMI spends at select merchants
• 2 CashPoints for every Rs. 150 spent on UPI spends (capped at 500 reward points per calendar month)
• 500 gift voucher on reaching spending threshold of Rs. 50,000 in a quarter
• Up to 20% savings on dining via Swiggy Dineout
• 1% fuel surcharge waiver up to Rs. 250 per month

An upgraded variant of the very popular HDFC MoneyBack Credit Card, Moneyback+ caters to the online shopping needs of the consumers- spanning multiple categories like dining, grocery, lifestyle and more. While most cards exclude EMI spends from their rewards program, this cards offers 5X accelerated earnings. With the Rupay variant, cardholders can make significant savings on their UPI spends as well.

Ixigo AU Credit Card

Best for: Domestic Travel

Joining Fee: Rs. 999 + Taxes
Annual Fee: Rs. 999 + Taxes

Key Features:

• 10% discount on flight bookings via Ixigo (capped at Rs. 1,000 per month)
• 10% discount on hotel bookings via Ixigo (capped at Rs. 1,000 per month)
• 10% discount on bus bookings via Ixigo (capped at Rs. 300 per month)
• 10 reward points per Rs. 200 spent online
• 5 reward points per Rs. 200 spent offline, including UPI transactions
• Welcome gift of 1,000 bonus reward points and Ixigo Money Vouchers worth Rs. 1,000
• 10 reward points per Rs. 200 spent on train bookings with Ixigo
• 16 complimentary domestic lounge visits and 1 complimentary international lounge visits in a year
• 16 complimentary railway lounge visits in a year

With this co-branded travel card, consumers can avail substantial savings on flights, hotels and bus bookings made via Ixigo. For a moderate annual fee of Rs. 999, the card offers good value-back, along with additional benefits like domestic lounge access, railway lounge access and zero forex mark-up fee. Reward points on UPI spends, albeit at the base rate, add to its benefits on everyday spends.

HPCL IDFC FIRST Power Plus Credit Card

Best for: Train Ticket Booking via IRCTC

Joining Fee: Rs. 499 + Taxes
Annual Fee: Rs. 499 + Taxes

Key Features:

• 5% savings on HPCL fuel spends offered as reward points (capped at 2,400 reward points per statement cycle)
• 5% savings on grocery and utility spends offered as reward points (capped at 400 reward points per statement cycle)
• 5% savings on IDFC FIRST FASTag Recharge offered as reward points (capped at 200 reward points per statement cycle)
• 3 reward points per Rs. 150 spent on other categories, including UPI transactions
• 500 cashback on the first HPCL fuel transaction of minimum Rs. 500
• 1,000 off on Zoomcar and up to 50% off on chauffeur driven cars on Eco Rent A Car & Europcar
• 25% off, up to Rs. 100, on movie tickets once per month
• 1 complimentary visit to domestic airport lounge once every calendar quarter

With IDFC FIRST Power Plus, cardholders not only get good value-back on their fuel spends but also on some practical everyday categories like groceries and utilities. Base reward rates are applicable on UPI transactions, further adding to its benefits. Consumers looking to save on fuel spends, along with good value on other spends, can consider getting this card.

ICICI HPCL Super Saver Credit Card

Best for: Fuel Spends at HPCL

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 + Taxes

Key Features:

• 4% cashback on at HPCL petrol pumps (capped at Rs. 200 per month)
• 1% fuel surcharge waiver at HPCL petrol pumps
• 5% back on grocery, utility (including govt. transactions) and departmental store spends (offered as reward points)
• 2 reward points per Rs. 100 spent across other categories including UPI transactions
• 5% savings as reward points on HPCL fuel outlets on payments made via the HP Pay App
• 1 reward point = Rs. 0.25
• 25% off on BookMyShow and INOX, valid twice per month (max. discount of Rs. 100 per transaction)
• 1 complimentary domestic lounge visit per quarter

Another fuel credit card in the list, HPCL Super Saver allows cardholders to save up to 5% on their HPCL fuel spends, groceries, utilities, etc. On their UPI spends, cardholders get base reward rate. Though the reward rate is quite low, consumers who want a low annual fee credit card, that offers decent savings on fuel and other everyday spends, can apply for this card.

IRCTC SBI Rupay Credit Card

Best for: Train Ticket Booking via IRCTC

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 300 + Taxes

Key Features:

• 350 reward points on card activation and 500 reward points on renewal
• 10% value-back (offered as reward points) on AC1, AC2, AC3, Executive Chair car and Chair Car ticket booking via IRCTC
• 1 reward point per Rs. 125 spent on non-fuel retail spends, including UPI transactions
• 1% transaction charge waiver on railway ticket booking via IRCTC
• 1% fuel surcharge waiver, capped at Rs. 100 per month
• 4 complimentary railway lounge visits in a year

A good option for train travellers, this IRCTC co-branded credit card offers 10% saving on IRCTC, along with decent value-back on other retail spends. Available on the Rupay Network, the card also offers rewards on UPI transactions, which can later be redeemed against IRCTC train ticket bookings.

IndusInd Bank Platinum Rupay Credit Card

Best for: UPI Transactions

Joining Fee: Nil
Annual Fee: Nil

Key Features:

• 2 reward points per Rs. 100 spent on UPI transactions
• 1 reward point per Rs. 100 spent on non-UPI transactions
• Redeem reward points against air miles (Intermiles or KrisFlyer), Cash Credit, Pay with Rewards or for redemption against IndusInd Bank’s Indus Moments Platform
• 1 RP = Re. 0.40 against cash credit redemption
• 1 RP = Re. 0.60 for non-cash redemption, except for airmiles
• 1:1 redemption rate for Intermiles and 4:1 redemption rate for KrisFlyer Miles

With IndusInd Platinum Rupay Credit Card, consumers get accelerated earning on UPI transactions. While the reward earning rate stands low, 1:1 redemption against Intermiles and value of Rs. 0.6 on other non-cash redemption, makes it a good lifetime-free credit card for beginners.