Best Rupay Credit Card For Upi Lifetime Free In India 2025

RuPay credit cards have become a great alternative to Visa and Mastercard in India. They offer cool features like UPI payments, cashback rewards, and travel perks. With so many options available, it can be tough to pick the perfect card. Don’t worry, this guide breaks down the best RuPay credit cards for 2025 to help you choose based on how you spend your money.

Why Choose a RuPay Credit Card?

RuPay credit cards have come a long way and now offer amazing features for both daily UPI users and international travelers. Here’s why they’re worth checking out:

• UPI Payments: RuPay credit cards can be linked to UPI apps, making it super easy to pay for things.
• No Cost EMI & Discounts: Many RuPay cards give discounts on online shopping and let you pay in easy installments.
• Airport Lounge Access: Some RuPay cards let you visit airport lounges for free, both in India and abroad.
• Cashback & Rewards: You can earn cashback or rewards, especially on UPI transactions.
• Global Usage: RuPay cards are now accepted worldwide thanks to partnerships with Discover, JCB, and Diners Club.If you’re thinking of getting a RuPay credit card in 2025, here are the best ones based on their benefits:

Best Lifetime Free RuPay Credit Cards for UPI Spends

1. Tata Neu Infinity HDFC Bank Credit Card

This is a top RuPay card if you use UPI and shop on the Tata Neu app. You earn 1.5% NeuCoins on UPI transactions and 5% NeuCoins on Tata Neu purchases.

• Annual Fee: ₹1499 + GST (Lifetime Free during offers)
• UPI Reward Rate: 1.5% NeuCoins (up to 500 NeuCoins/month)
• Other Rewards: 1.5% – 5% NeuCoins on non-UPI spending
• Lounge Access: 1 domestic and 1 international visit per quarter

🔗 Apply Now

2. Kiwi RuPay Credit Card (Yes Bank)

A digital-only RuPay card that gives real cashback. With its Neon subscription, you can earn up to 5% cashback on your spending.

• Annual Fee: ₹0 (Lifetime Free)
• UPI Reward Rate: 1% – 5% Cashback (No cap)
• Lounge Access: Free with Neon subscription
• Reward Redemption: Direct cashback to your statement

🔗 Apply Now

3. Tata Neu Plus HDFC Bank Credit Card

This is a more affordable version of the Infinity card, offering 1% NeuCoins on UPI spends and savings on Tata Neu.

• Annual Fee: ₹499 + GST (Lifetime Free during offers)
• UPI Reward Rate: 1% NeuCoins (up to 500 NeuCoins/month)
• Other Rewards: 1% – 2% NeuCoins on other purchases
• Lounge Access: 1 domestic visit per quarter

🔗 Apply Now

4. AU Bank InstaPay RuPay Credit Card

This is a fully digital, Lifetime Free RuPay credit card that gives 1% cashback on UPI spends at selected merchants.

• Annual Fee: ₹0 (Lifetime Free)
• UPI Reward Rate: 1% Cashback (Capped at ₹100 per billing cycle)
• Lounge Access: None
• Reward Redemption: Cashback directly credited to your statement

🔗 Apply Now

5. ICICI Bank Coral RuPay Credit Card

This is a pre-approved Lifetime Free card for ICICI Bank customers, offering small cashback on UPI spends and additional discounts.

• Annual Fee: ₹0 (Lifetime Free)
• UPI Reward Rate: 0.25% – 0.75% Cashback
• Lounge Access: 1 domestic visit per quarter
• Reward Redemption: Amazon Pay gift cards

🔗 Apply Now

Best RuPay Credit Cards for Cashback

6. IndusInd Bank Platinum RuPay Credit Card

A simple card that focuses on cashback. You can earn 0.7% cashback on UPI spends, and it’s easy to apply for.

• Annual Fee: ₹0 (Lifetime Free)
• UPI Reward Rate: 0.7% Cashback (No cap)
• Lounge Access: Not available
• Reward Redemption: Cashback directly credited to your statement

🔗 Apply Now

Best RuPay Credit Cards with Annual Fees

7. Bank of Baroda Premier RuPay Select Credit Card

This card is great for people who spend a lot on travel and dining. It gives you higher rewards in these categories.

• Annual Fee: ₹1000 + GST (Lifetime Free during offers)
• UPI Reward Rate: 0.25% – 0.5% Cashback
• Lounge Access: 1 domestic visit per quarter
• Reward Redemption: Cashback credited to your statement

🔗 Apply Now

8. Snapdeal Bank of Baroda Credit Card

This is an entry-level RuPay card for online shoppers, offering 2.5% rewards on e-commerce spending.

• Annual Fee: ₹249 + GST
• UPI Reward Rate: 1% Cashback
• Lounge Access: None
• Reward Redemption: Cashback credited to your statement

🔗 Apply Now

Top 25 RuPay Credit Cards in India for 2025

Here’s a curated list of the best RuPay credit cards based on their benefits, fees, and features.

Final Thoughts: Which RuPay Credit Card Should You Get?

If you want a Lifetime Free RuPay credit card, Kiwi, ICICI Coral, and IndusInd Platinum are excellent choices. Tata Neu Infinity is perfect for those who shop on Tata platforms, while AU InstaPay is great for earning cashback on UPI transactions.For people who don’t mind paying an annual fee, Bank of Baroda Premier and Snapdeal BoB Credit Card offer better rewards and travel benefits.

FAQs About RuPay Credit Cards

1. Can RuPay credit cards be linked to UPI apps?

Yes! RuPay credit cards work with UPI apps, making them easy to use for daily payments.

2. Are RuPay credit cards accepted outside India?

Yes! RuPay cards can be used internationally through partnerships with Discover, Diners Club, and JCB.

3. Do RuPay credit cards offer free lounge access?

Yes, premium RuPay cards like Tata Neu Infinity and Bank of Baroda Premier provide free lounge visits.

4. Which RuPay credit card is best for cashback?

Cards like Kiwi RuPay, IndusInd Platinum, and AU InstaPay give direct cashback instead of reward points.

5. Are there RuPay credit cards with no annual fee?

Yes! Cards like Kiwi, ICICI Coral, AU InstaPay, and IndusInd Platinum are Lifetime Free (LTF).

For a more detailed look at the features and benefits of these cards, you can visit the full guide on the Best RuPay Credit Cards in India. This resource will help you make an informed decision based on your spending habits and preferences.