Limited Time Offer
Zero forex mark-up charges
Up to 10% off on travel via Ixigo
Detailed Features of 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
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
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 offered at an annual fee of Rs. 499 + GST. 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
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
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
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.
