In recent years, RuPay, India’s homegrown card payment network, has gained significant popularity. While Visa and Mastercard have traditionally dominated the Indian credit card market, RuPay’s rise has been bolstered by initiatives such as putting it up on the UPI network so that the card can be used without having the physical card around. RuPay credit cards are now accepted across many online and offline merchants.
This article will explore the best RuPay credit cards available in India, examining their features and benefits and explaining why they might be the right choice.
Top RuPay Credit Cards in India
Let’s dive into some of India’s best RuPay credit cards, highlighting their key features, benefits, and why they stand out.
HDFC Bank Tata Neu Rupay Credit Card Plus / Infinity
The Tata Neu RuPay Credit Card is an excellent choice for consumers looking to maximise their benefits across a wide range of everyday spending categories. One of the standout features of this card is its seamless integration with the Tata Neu app, where users can earn and redeem NeuCoins, the app’s exclusive rewards currency, on all purchases. This makes it particularly appealing for those who frequently shop across Tata Group’s diverse ecosystem, including brands like Croma, BigBasket, Westside, etc. The card’s rewards structure is designed to offer significant value, with higher reward rates on spending within the Tata network, making it ideal for brand-loyal customers.
Additionally, the Tata Neu RuPay Credit Card offers various lifestyle benefits, such as discounts on dining, fuel surcharge waivers, and exclusive access to offers across Tata’s brand portfolio. I’ve been using the Infinity version since the card was launched. The card is currently free for the first year using this link.
- Welcome Benefits: The Infinity variant offers 1,499 Neu Points upon activation, while the Plus variant gets 499 Neu Points.
- Milestone Benefits: Spend INR 3,00,000 or more on the Infinity Card or INR 1,00,000 in a year on the Plus card to get a fee waiver next year.
- Reward Points: You get 10% / 7% as Tata Neu coins (5% or 2% due to the card + 5% on the TataNeu app) for all Tata brands like BigBasket, Air Asia, Tata 1mg, Croma, TataCliQ, Westside, Titan, Tanishq, etc. on the Infinity or Plus Card. Additionally, you get up to 1.5% savings on all UPI spends via Tata Neu App using NeuCard (maximum of Rs 500 per month)
- Lounge Access: You get 12 free airport lounge access (8 domestic + 4 International) per annum on NeuCard Infinity and 4 Domestic lounge access on NeuCard Plus.
Apply for the HDFC Bank Tata Neu Credit Card (Infinity / Plus) First Year Free
IndusInd Rupay Platinum Credit Card (LifeTime Free)
IndusInd Bank recently entered the space of RuPay Credit Cards and has been offering the IndusInd RuPay Platinum Credit Card lifetime free. If you need a card for RuPay spending without the fuss of having a tonne of transactions show up on your bank statements, this might be a card to have in your pocket, even if you don’t have any other relationship with IndusInd Bank.
In terms of rewards, you get 2 Reward Points / INR 100 spent on UPI transactions, 1 Reward Point/ INR 100 spent for non-UPI transactions, and 0.7 Reward Points / INR 100 reward rate for select transactions like government-related ones. These Reward Points are convertible to Club Vistara points 1:1. If IndusInd changes its mind and ups the rewards on non-UPI transactions, after this, time will tell.
Apply for the Lifetime Free IndusInd Rupay Platinum Credit Card.
IRCTC RuPay SBI Credit Card
The IRCTC RuPay SBI Credit Card is great for those who use the services of the Indian Railways and other affiliate providers. The card provides up to 10% rewards for buying AC1, AC2, AC3 and AC CC tickets through the IRCTC website and app. Further, you earn 1 Reward Point worth INR 1 on every INR 125 spent. You also save 1% on transaction charges for train bookings. Further, there are four lounge access for railway lounges across India during the membership year.
- Welcome Benefits: 350 activation bonus Reward Points on the first transaction of INR 500 or more within 45 days of card issuance
- Reward Points: Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points. Get 1 Reward point for every INR 125 spent on non-fuel retail purchases.
- Lounge Access: Enjoy four complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
- Fees: INR 500+GST (Joining Fees); INR 300+GST (Annual Fees)
Apply for the IRCTC RuPay SBI Card
HDFC RuPay Credit Card
HDFC Bank’s RuPay Credit Card is a no-nonsense credit card. You are issued a virtual credit card for payment via UPI on approval. The card earns 3% Cashpoints on Groceries, SuperMarket, Dining spends & PayZapp transactions, 2% Cashpoints on Utility spends and 1% Cashpoints on other spends (excluding specific categories). Cashpoints earned on HDFC Bank RuPay Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = INR 0.25.
- Reward Points: The card earns 3% Cashpoints on Groceries, SuperMarket, Dining spends and PayZapp transactions, 2% Cashpoints on Utility spends and 1% Cashpoints on other spends (excluding certain categories). Cashpoints earned can be redeemed against the statement balance at the rate of 1 CashPoint = INR 0.25.
- Fees: INR 250+GST; Special Offer of INR 99+GST.
Apply for the HDFC Bank RuPay Credit Card
Indian Oil Axis Bank Rupay Credit Card
The Indian Oil Axis Bank Rupay Credit Card is for those who would like a RuPay Credit Card for fuel and other expenses. The card earns 4% back on fuel spending on IOCL outlets (20 points per INR 100 spent, equivalent to INR 4 in value). For other expenditures, such as online shopping, you get 1% back (5 points per INR 100 spent, equivalent to INR 1).
- Welcome Benefits: Get up to INR 250 on your first fuel transaction within 30 days.
- Milestone Benefits: Annual Fee waiver on INR 50,000 spent within a year on the card.
- Reward Points: 20 points / INR 100 on fuel spending at IOCL outlets; 5 points/INR 100 on Online shopping, Groceries and Utilities; 1 point/INR 100 on other spends
- Annual Fees: INR 500+GST
Apply for the Indian Oil Axis Bank RuPay Credit Card
IDFC First Power+ Credit Card
- Welcome Benefits: INR 500 Cashback on the first HPCL fuel transaction; 5% Cashback up to INR 1,000 on the first EMI transaction
- Milestone Benefits: INR 150,000 spent in a year gets a fee waiver for the following year.
- Reward Points: 30 rewards points per INR 150 spent (5% savings) on HPCL fuel, Grocery & Utilities and FASTTag Recharges. Uncapped three reward points per INR 150 on other categories.
- Lounge Access: Complimentary access to Domestic Airport Lounges once every quarter
- Annual Fees: INR 499 + GST
What other credit cards do you think are on the list of RuPay greats? Do share your insights in the comments section below.
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I have ICICI & Kotak. ICICI is flawless but the Kotak one is a challenge to use on GPay. I consider myself to be a power user & I’ve tried every trick under the Kotak app but am still unable to figure out the root cause behind the repeated failure of the Kotak Rupay Card to work on most of the UPI options.
I have the PNB Rupay Select credit card.
Au SFB. 1% flat on transaction above Rs 100. You get an instant message of the cashback. Ltf