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RuPay Credit Cards have become popular after the RBI allowed linking of RuPay credit cards to UPI apps. Earlier, only a few card issuers were offering RuPay credit cards, but now almost all major issuers are either launching new RuPay cards or offering RuPay variants of their existing credit cards. Among these, some issuers offer lifetime free RuPay credit cards with no joining or annual fees, along with decent benefits on UPI spends. To help you choose the right one, we have listed some of the best lifetime free RuPay credit cards in India that offer benefits across multiple categories, such as shopping, travel, dining, entertainment, and more.
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Top 5 Lifetime Free RuPay Credit Cards in India 2026
| Credit Card | Best Suited for | Benefit on UPI |
| Ixigo AU Credit Card | Co-branded Travel Benefits | 5 points per Rs. 200 spent |
| YES BANK PaisaSave RuPay Credit Card | Cashback on Travel, Dining & UPI Spends | 6% cashback on travel & dining; 1% cashback on other spends |
| IndusInd Platinum RuPay Credit Card | Reward Points on UPI Spends | 2 points per Rs. 100 spent |
| Fibe Axis Bank Credit Card | Cashback on Everyday Categories | 1% cashback on UPI spends |
| HSBC RuPay Platinum Credit Card | Reward Points on Everyday & Travel Spends | 2 points per Rs. 150 spent |
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5 Best Lifetime Free RuPay Credit Cards
Here are some of the best lifetime free RuPay credit cards that offer benefits on UPI spends along with other categories:
1. Ixigo AU Credit Card
Best Suited for: Co-branded Travel Benefits
Key Features & Benefits
- Zero forex markup fee
- 10 reward points for every Rs. 200 spent online
- 5 reward points for every Rs. 200 spent offline, including UPI spends
- 20 reward points for every Rs. 200 spent on train bookings with Ixigo
- 10% off on bus bookings up to Rs. 300, once per month
- 10% discount on flight bookings up to Rs. 1,000 on Ixigo platform, once per month
- 10% off on hotel bookings up to Rs. 1,000 via Ixigo, once per month
- 1 complimentary international lounge access every year
- 8 complimentary domestic airport lounge visits every year on spending Rs. 20,000 in a quarter
- 8 complimentary domestic railway lounge access in a year
Ixigo AU Credit Card is a co-branded, lifetime free RuPay credit card designed to offer travel benefits through accelerated reward points, discounts on travel bookings, and complimentary lounge access. While primarily a travel credit card, it also allows you to save significantly on both online and offline spends through reward points. The card offers 2X rewards on online spends and 5 reward points per Rs. 200 on offline spends, including UPI transactions, making it a suitable option to save on travel as well as everyday expenses. If you’re an Ixigo loyalist looking to maximize savings on travel and daily spends, this card can be a great choice for you.
2. YES BANK PaisaSave RuPay Credit Card
Best Suited for: Cashback on Travel, Dining & UPI Spends
Key Features & Benefits
- 6% cashback as 12 reward points per Rs. 200 spent on dining and travel
- 1% cashback as 2 reward points per Rs. 200 spent on other category spends
- 1 Reward Point = Rs. 1, redeemable as cashback without any redemption fee
YES BANK PaisaSave RuPay Credit Card is an entry-level virtual credit card offered at zero additional fee with YES BANK PaisaSave card which is a physical Mastercard variant. It eliminates the hassle of carrying a physical card and comes with good value-back across spends. Since the Mastercard variant does not support UPI transactions, the RuPay counterpart allows the cardholders to not only make such spends but also earn 1% cashback on them. This cashback is accrued as reward points which can be redeemed as cashback in 1:1 redemption ratio without any fee.
3. IndusInd Platinum RuPay Credit Card
Best Suited for: Reward Points on UPI Spends
Key Features & Benefits
- 2 reward points on every Rs. 100 spent through UPI
- 1 reward point for every Rs. 100 spent on non-UPI transactions
- 0.70 reward point for every Rs. 100 spent on select merchant categories
- 2 complimentary domestic lounge visits in a quarter with RuPay Select variant and 1 complimentary domestic lounge visit in a month with RuPay Credit Card at RuPay exclusive lounges
- Uncapped 1% fuel surcharge waiver across all petrol pumps in India
IndusInd Platinum RuPay Credit Card is primarily designed to offer accelerated benefits on UPI spends. Cardholders can earn 2X rewards on UPI transactions and a base reward rate on non-UPI spends. However, despite being a RuPay credit card focused on UPI, the overall reward rate stands relatively low. Still, this card can be a suitable option for new to credit consumers planning to start their credit journey and looking for credit card with basic benefits.
4. Fibe Axis Bank Credit Card
Best Suited for: Cashback on Everyday Categories
Key Features & Benefits
- 3% cashback on spends across entertainment, online food delivery and local commute
- 1% cashback on other spends, including UPI transactions
- Up to 4 complimentary domestic airport lounge visits in a year
- Up to 15% discount, capped at Rs. 500, at partner restaurants via EazyDiner under Axis Bank Dining Delights Program
- 1% fuel surcharge waiver on fuel spends ranging between Rs. 400 and Rs. 5,000
Fibe Axis Bank Credit Card is a lifetime free RuPay credit card offered in collaboration with Fibe. This entry-level credit card is best suited for consumers looking to start their credit journey. It is primarily designed to offer accelerated cashback on everyday categories, including entertainment, online food delivery, and local commute. Cardholders can also earn 1% base cashback on UPI transactions as well as on other spends. Additionally, complimentary lounge access and dining discounts further enhance the card’s overall value. If you are a Fibe customer looking to save on day-to-day expenses, this card can be a suitable choice.
5. HSBC RuPay Platinum Credit Card
Best Suited for: Reward Points on UPI and Travel Spends
Key Features & Benefits
- 2 reward points per Rs. 150 spent, including UPI transactions
- Up to 6X rewards on flights, hotels and card rentals via Travel with Points portal on HSBC Rewards Marketplace
- 10% off, up to Rs. 200, on Swiggy Instamart on min. orders of Rs. 500, once a month
- 5% off, up to Rs. 150, on bill payments worth min. Rs. 299 via Paytm, once per card
- Up to Rs. 6,000 off on flights and hotels via Cleartrip
HSBC RuPay Platinum Credit Card is a lifetime free card that offers rewards across all UPI and other eligible spending categories. These reward points can be redeemed against gift cards, along with air miles and hotel loyalty points in up to 2:1 ratio, except Air Asia bookings for which 1 reward point equals 2 miles. This card can also be used to make travel bookings on HSBC Rewards Marketplace through which cardholders earn accelerated rewards. So, this card is suitable for those looking for a RuPay card with good returns on UPI and travel spends.
