RuPay credit cards have become a popular choice among Indian consumers in recent times, offering a variety of benefits and features depending on their spending needs.
RuPay credit cards is a co-branded credit card issued by Indian banks in collaboration with National Payments Corporation of India (NPCI), RuPay has been a strong competitor to international card networks like Visa and MasterCard.
Nowaday many banks are now offering RuPay credit cards, they are available in various categories, including shopping, fuel, utilities, and premium cards. These cards provide unique advantages such as lower fees, exclusive rewards, and easy integration with UPI payments, making them an attractive option for many people.
In this guide, we will explore the Best RuPay credit cards available in India, helping you choose the one that best suits your financial needs and lifestyle.
Why Choose a RuPay Credit Card?
RuPay credit cards have become increasingly popular in India for several reasons:
- Support for the Indian Economy: By using a RuPay card, you help support India’s local payment system, making the country less dependednt on international card networks like Visa and MasterCard.
- Wider Acceptance: RuPay cards are accepted by millions of merchants across India, both online and offline, making them a great choice for daily purchases.
- Enhanced Security: RuPay cards are equipped with advanced security features such as chip-and-PIN technology and tokenization, which help protect you from fraud.
- Lucrative Rewards: Many RuPay credit cards offer attractive rewards, cashback, and discounts, giving you great benefits for using them.
- UPI Integration: RuPay credit cards are now integrated with UPI (Unified Payments Interface). This allows you to link your RuPay credit card to your UPI apps like PhonePe, Google Pay, and Paytm using their credit limit on your card to make quick and easy payments via QR codes.
How to Get a RuPay UPI Credit Card
Getting a RuPay credit card is simple:
- Check Eligibility: Banks have certain requirements like income, credit score, and employment status.
- Compare Cards: Research and compare different RuPay cards based on features, fees, and rewards programs.
- Choose Your Card: Pick the card that best matches your spending habits.
- Apply Online or Offline: Apply for your card online via the bank’s website or mobile app, or visit a branch.
- Submit Documents: Provide necessary documents such as proof of income, identity, and address.
- Approval: Wait for the bank to review your application and approve it.
- Receive Your Card: Once approved, you’ll receive your RuPay credit card.
How to Use Your RuPay UPI Credit Card
Using your RuPay credit card is easy:
- For Physical Transactions: Swipe your card at the POS terminal and enter your PIN.
- For Online Transactions: Enter your card details (card number, expiry date, CVV) on the payment gateway.
- For UPI Payments: Link your RuPay credit card to your UPI app, then scan the merchant’s QR code to pay.
Remember: Always use your credit card responsibly. Spend within your limits and pay your bills on time to avoid interest and penalties. Keep your card details secure and never share your PIN or OTP.
Features of RuPay Credit Cards
RuPay credit cards offer a variety of features to meet different needs. Here are some key benefits:
- Basic Features:
- No Joining Fees: Many RuPay cards have no joining fees, making them more accessible.
- UPI Integration: You can link your RuPay card to your UPI app for quick payments.
- Personal Accident Insurance: Most cards offer free insurance for personal accidents.
- Reward Points and Cashback: Earn points or cashback for every purchase, which can be redeemed for rewards.
- Wide Acceptance: RuPay cards are widely accepted across India.
- Additional Features:
- Fuel Discounts: Enjoy discounts or cashback on fuel purchases at partnered stations.
- Travel Benefits: Get access to airport lounges, travel insurance, and bonus miles.
- Dining & Shopping Discounts: Get exclusive discounts at restaurants and retail stores.
- Movie Benefits: Some cards offer discounts on movie tickets.
- Concierge Services: Premium cards may offer personalized concierge services for travel bookings or restaurant reservations.
- Gym Memberships: Some cards offer free memberships to popular gyms.
- Advanced Features:
- EMV Chip and PIN: Enhanced security for transactions with chip-and-PIN technology.
- Tokenization: Sensitive information is replaced with tokens during online payments for extra security.
- Contactless Payments: Pay by simply tapping your card at contactless-enabled terminals.
- Mobile Wallets: Link your RuPay card to mobile wallets for seamless payments.
RuPay Credit Card on UPI: A Boon for Indian Business
The integration of RuPay credit cards with UPI is transforming the way payments are made in India. Here’s how businesses can benefit:
- Wider Customer Reach: RuPay cards help businesses reach more customers, including those who prefer credit for larger purchases.
- Faster Transactions: UPI payments are instant, speeding up the checkout process and improving the customer experience.
- Lower Transaction Fees: RuPay UPI transactions incur lower fees compared to traditional credit card payments.
- Increased Security: UPI uses secure PIN authentication and tokenization to protect transactions from fraud.
- Data Insights: Merchants can gain valuable data on customer preferences and spending patterns to optimize their services and marketing.
Popular RuPay Credit Card Issuers in India
Several well-known Indian banks issue RuPay credit cards, including:
- State Bank of India (SBI) – RuPay Platinum
- IDFC First Bank – HP RuPay Card
- Union Bank of India – RuPay Credit Card
- HDFC Bank – UPI RuPay Credit Card
- ICICI Bank – Coral RuPay Credit Card
- Axis Bank – RuPay Indian Oil Card
- Bank of Baroda – IRCTC RuPay Credit Card
- Punjab National Bank (PNB) – Platinum RuPay Credit Card
- IndusInd Bank – RuPay Credit Card
- Kotak Mahindra Bank – RuPay Platinum
Types of RuPay Credit Cards in India
Credit cards come in different categories based on their usage and benefits:
- Shopping Credit Cards: These cards offer discounts, rewards, and cashback on retail and online shopping purchases.
- Travel Credit Cards: Designed for frequent travelers, these cards provide benefits like lounge access, travel insurance, and air miles.
- Fuel Credit Cards: Fuel credit cards provide cashback or discounts on fuel purchases, helping you save on petrol and diesel.
- Cashback Credit Cards: These cards offer a percentage of cashback on various purchases, providing direct savings on your spending.
- Rewards Credit Cards: Earn reward points on every purchase, which can be redeemed for merchandise, travel, or gift vouchers.
- Balance Transfer Credit Cards: These cards allow you to transfer your existing credit card balance to a new card at lower interest rates, making repayments easier.
- Airline Credit Cards: Tailored for frequent flyers, these cards offer air miles and travel benefits with specific airline partners.
- Secured Credit Cards: These require a security deposit to act as a credit limit, making them ideal for individuals with no credit history or poor credit scores.
- Zero Fee Credit Cards: These cards charge no annual or joining fees, offering basic benefits without any cost.
- Low Salary Credit Cards: Designed for individuals with lower income, these cards provide essential credit facilities and benefits with lower eligibility criteria.
10 Best RuPay credit cards in India for 2025
Here’s a detailed comparison of the best RuPay credit cards in India for 2025 in table format:
| Credit Card | Best For | Joining Fee | Annual Fee | Key Benefits |
|---|---|---|---|---|
| Tata Neu Infinity HDFC Credit Card | Online Shopping (Tata Group) | ₹1,499 | ₹1,499 | – 10% value-back on Tata Neu spends <br> – 8 domestic & 4 international lounge access <br> – 5% NeuCoins on non-Tata brand spends |
| YES Bank Paisabazaar PaisaSave Credit Card | Online Shopping & Cashback | ₹0 | ₹499 | – 3% cashback on e-commerce spends (max 5,000 points/month) <br> – 1.5% unlimited cashback on all other spends, including UPI |
| Myntra Kotak Credit Card | Myntra Shopping & Cashback | ₹500 | ₹500 | – 7.5% discount up to ₹750 per transaction on Myntra <br> – Unlimited 1.25% cashback on other spends <br> – 2 PVR movie tickets per quarter |
| HDFC Bank UPI RuPay Credit Card | UPI Transactions | ₹99 | ₹99 | – 3% CashPoints on card spends, including UPI transactions <br> – ₹250 gift voucher as a welcome bonus |
| HDFC MoneyBack+ Credit Card | Shopping & Rewards | ₹500 | ₹500 | – 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket <br> – 5X CashPoints on EMI transactions |
| Ixigo AU Credit Card | Travel Bookings | ₹0 | ₹0 | – 10% discount on travel bookings at Ixigo <br> – 4X reward points on train bookings via Ixigo |
| ICICI HPCL Super Saver Credit Card | Fuel Savings | ₹500 | ₹500 | – Up to 6.5% savings on HPCL fuel spends <br> – 5% cashback on groceries & utilities |
| IRCTC SBI Platinum Credit Card | Railway Ticket Bookings | ₹500 | ₹300 | – 10% value-back on IRCTC railway ticket bookings <br> – 350 bonus reward points on activation |
| IndusInd Bank Platinum Credit Card | General Spending & Rewards | ₹0 | ₹0 | – 1.5 reward points for every ₹150 spent |
Conclusion
RuPay credit cards offer a secure, convenient, and rewarding way to make payments in India. With growing acceptance, attractive features, and the added benefit of UPI integration, these cards are becoming a preferred choice for both individuals and businesses. Whether you’re looking for rewards, fuel savings, or travel benefits, RuPay credit cards offer a variety of options that cater to your needs. If you’re looking for a reliable and feature-rich credit card, consider exploring RuPay cards.
Additional Tips
- Look for cards with no annual fees or joining fees to reduce your costs.
FAQs
1. Which banks are offering credit cards with UPI integration? Currently, banks like PNB, Union Bank, HDFC, Axis, Kotak Mahindra, and others offer UPI-enabled credit cards.
2. Which apps support credit card payments on UPI? Apps like BHIM, Google Pay, PhonePe, Paytm, CRED, and others support RuPay credit card payments through UPI.
3. How do you pay offline with a credit card on UPI? Open the BHIM app, scan the merchant’s QR code, select your masked credit card, and confirm with your UPI PIN.
4. How do you pay online with a credit card on UPI? Select BHIM as the payment option, choose your masked credit card, confirm with your UPI PIN, and you will be redirected to the merchant’s site.
5. How to apply for a RuPay credit card? Visit your bank’s website or contact them directly to apply for a RuPay credit card.
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