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Best RuPay Credit Cards for Beginners

Home Credit Card Best RuPay Credit Cards for Beginners
Updated: 12-01-2026 07:46:45 AM

A wide range of credit cards is now available on the RuPay network across everyday categories, like online shopping, travel, dining and more, with many options designed especially for first-time users. Such beginner-friendly card options stand out for their easy eligibility, simple usage, and broad acceptance. Moreover, with UPI integration, beginners can use their RuPay Credit Card for everyday payments, whether big or small, just like regular UPI transactions, while building their score. This familiar experience helps beginners understand how credit works, manage credit responsibly, earn rewards, and build a strong credit profile over time, making RuPay Credit Cards a smart choice for them.

What Makes RuPay Credit Cards Ideal for Beginners?

RuPay Credit Cards satisfy the need for cost-effective, hassle-free card options that the first-time credit card users often look for. Many of these cards are entry-level, easy to get and can be used for everyday spends, making them ideal for beginners.

Key Advantages of RuPay Credit Cards

UPI Integration

You can link RuPay Credit Card to your UPI ID on the payment app of choice. After linking, you can use it to make secure UPI transactions using the UPI PIN. This helps beginners make everyday payments on credit without carrying a card.

Low Annual Charges

Many RuPay Credit Cards, including secured variants, have zero or low annual fee that is often waived on easy spending thresholds, making them perfect for new-to-credit users who wish to minimise their cost.

Easy Eligibility Criteria

Most RuPay Credit Cards come with an easy approval process with relaxed income requirements. Moreover, new-to-credit users without any credit history can apply for and get FD-backed secured RuPay Credit Cards.

Explore the Best RuPay Credit Card Options for You

Simple Rewards Structure

Generally, entry-level RuPay Credit Cards come with direct cashback or a simple rewards structure, thus eliminating the hassle from the reward redemption process. This helps beginners to manage their cards better.

Wide Acceptance

Credit cards on RuPay network are widely accepted at both offline and online merchants. They can be used for UPI transactions as well as international purchases.

Secured Payments

If you use RuPay Credit Cards for UPI transactions and routine spends, your bank account stays protected as you’re not using it for every small transaction.

Good for Building Credit Score

RuPay Credit Cards allow new-to-credit users to build a strong credit score while providing a seamless usage experience if used responsibly with on-time bill payments.

Best RuPay Credit Cards for Beginners

YES BANK Paisabazaar PaisaSave Credit Card
paisabazaar-paisasave-credit-card
4/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

6% cashback on travel and dining spends

Unlimited 1% cashback on all other spends, including UPI

Travel
Dining
Cashback
Check Eligibility

Product Details

  • 6% cashback is capped at Rs. 3,000 per month, post which 1% cashback will apply
  • Earned reward points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
  • Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
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IDFC FIRST Power+ Credit Card
idfc-first-hpcl-power-plus-credit-card
4/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

Up to 8.83% savings on travel spends through IDFC FIRST mobile app

Rewards
Fuel
Check Eligibility

Product Details

  • 30 rewards per Rs. 150 spent on HPCL fuel & LPG; 6 Happy Coins per Rs. 100 spent on HP Pay app
  • 30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag
  • 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
  • 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
  • 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends
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Axis My Zone Credit Card
axis-bank-my-zone-credit-cards
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Buy One Get One offer on movie tickets at District App

Complimentary SonyLIV membership for 1 year

Online Shopping
Check Eligibility

Product Details

  • Flat Rs. 120 off on Swiggy on a minimum spend of Rs. 500, twice a month
  • Buy 1 Get 1 movie ticket free on bookings via District App, up to Rs. 200 off per month
  • Up to Rs. 1,000 off on Ajio on a minimum transaction of Rs. 2,999
  • Renewal of SonyLiv Premium annual subscription on spending Rs. 1.5 Lakh in a year
  • Up to 15% off (max. Rs. 500) on dining via EazyDiner, twice a month on a min. spend of Rs. 2,500
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Ixigo AU Credit Card

ixigo-au-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10% discount on travel bookings at Ixigo

Up to 10 reward points per Rs. 200 spent

Travel
Lifetime Free
Check Eligibility

Product Details

  • 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
  • 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
  • 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
  • Zero forex markup fee
  • 16 free visits to domestic airport and railway lounges and 1 free visit to international airport lounge per year
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Airtel Axis Bank Credit Card
airtel-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

Cashback
Check Eligibility

Product Details

  • 10% cashback on utility bill payments via Airtel Thanks app
  • 10% cashback on spends at Zomato, Swiggy and BigBasket
  • Unlimited 1% cashback on other spends
  • 4 complimentary domestic airport lounge visits every year
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HSBC RuPay Cashback Credit Card
rupay-cashback-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10% cashback on dining, grocery and food delivery spends

8 domestic and 2 international airport lounge visits per year

Shopping
Cashback
Check Eligibility

Product Details

  • 1% cashback on other eligible spends, including UPI transactions
  • Up to Rs. 6,000 off on flights and hotel bookings on Cleartrip
  • 5% off, up to Rs. 150, on recharges, utility bills, and FASTag on Paytm
  • Annual fee is waived off on spending more than Rs. 2 lakh in a year
  • Zero forex mark-up fee, till 30 June 2026
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Tata Neu Plus HDFC Credit Card
tata-neu-hdfc-bank-credit-cards
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 7% value back on Tata Neu spends

4 domestic lounge access per year

Shopping
Check Eligibility

Product Details

  • 499 NeuCoins after the first spend within 30 days of card issuance
  • 2% NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
  • 1% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
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SBI SimplySAVE Credit Card
sbi-simply-save-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10x rewards on movies, dining and grocery shopping

2,000 bonus reward points on card activation

Dining
Rewards
Check Eligibility

Product Details

  • 2,000 bonus reward points on card activation
  • 10x rewards on movies, dining, departmental stores and grocery spends
  • Annual fee waiver on spending Rs. 1 lakh in a year
  • 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000, up to Rs. 100 per statement cycle
Know More

PhonePe HDFC Bank Uno Credit Card

phonepe-uno-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

2X reward points on PhonePe spends

1% reward points on popular online brands, including Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber

Rewards
Check Eligibility

Product Details

  • 2% reward points on PhonePe spends
  • Redeem rewards against cashback at 1:1 ratio
  • Renewal fee waiver on annual spends of Rs. 1 Lakh
Know More

How to Choose the Right RuPay Credit Card as a Beginner

With several RuPay Credit Card options available, it can become difficult for beginners to pick the right one. So, here are some key factors to consider while choosing the best-suited option for your first RuPay Credit Card:

Check Eligibility

Before applying, check the card’s eligibility criteria, including the minimum income and age. Beginners should opt for cards with easier eligibility to optimise their approval chances. Those with no credit history can also apply for secured RuPay Credit Cards.

Analyse Spending Needs

Pick a card based on your spending patterns and needs. The one that offers higher value-back on the categories you frequently spend on would be more suitable.

Start with Low or Zero Annual Fee Cards

As a first time user, opting for a low annual fee or lifetime free RuPay Credit Card can help you minimise overall card cost while you learn how to manage credit responsibly.

Choose Simple Reward Structure

Get a RuPay Credit Card which has a straightforward reward or cashback structure to avoid complex redemption processes. Simple rewards help beginners in better management of their value-back earnings.

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Pro Tip: While picking a RuPay Credit Card with good value-back is preferred, the primary focus of beginners should be on maintaining a consistent repayment record with timely bill payments to build a high credit score.
Apply for the Best RuPay Credit Card Now!

Smart Usage Tips for RuPay Credit Cards for Beginners

RuPay Credit Cards can be quite beneficial for the beginners if used correctly. Smart usage can help you not only build a good credit score but also earn decent value-back on your spends. Given below are some of the tips for beginners on their RuPay Credit Card usage:

  • Use your card regularly for small, planned purchases
  • Pay the RuPay Credit Card bill in full before the due date
  • Keep spending as per your spending capacity
  • Redeem your accrued reward points before they expire
  • Explore and use RuPay-specific offers, discounts, and UPI benefits, as needed
  • Enable transaction alerts to track card spends in real time
  • Review monthly RuPay Credit Card statements to understand your spending pattern

Mistakes to Avoid While Using RuPay Credit Cards

First-time users should use their RuPay Credit Cards responsibly to avoid getting debt-trapped and to maintain a good credit profile. Some of the common mistakes that may hinder your long-term financial health are:

  • Not Paying Bill in Full: Paying late or only the minimum due leads to accumulation of additional charges 
  • Over Spending: Overusing RuPay Credit Card on UPI or impulse buys can often make you lose track of spends, thus accumulating debt and making repayments difficult
  • Multiple Applications: Applying for multiple RuPay Credit Cards at once lowers your credit score
  • Cash Withdrawals: Withdrawing cash using RuPay Credit Card leads to high interest charges applicable from the day of withdrawal itself
FAQs

FAQs

Is RuPay credit card good for first-time users?
Yes, RuPay credit cards are affordable, easy to use, and support UPI payments, making the transition from debit to credit easy for beginners who are starting their credit journeys.

Can I get a RuPay credit card without income proof?

Yes, there are many FD-backed secured RuPay Credit Cards, like SBM ZET, IDFC FIRST EARN, Tata Neu Plus HDFC, etc., which you can get without any income proof.

Do RuPay credit cards work internationally?
Yes, some RuPay credit cards have international acceptance as well. However, the cardholder will have to enable international usage by logging into the card account before making international payments. Also note that such spends usually come with a forex mark-up fee of up to 3.5%.

Does using a RuPay credit card improve credit score?
Yes, You can build and improve your credit score by using RuPay credit cards if you pay your dues on time and use credit responsibly.

Is a RuPay credit card good for beginners?
Yes, RuPay cards are affordable, easy to use, and ideal for building credit safely. They often come with lower fees, high acceptance in India, and UPI-linked credit payments, making them ideal for beginners.

Is a RuPay credit card safe to use?
Yes, RuPay credit cards use secure authentication, OTP verification, and NPCI-backed infrastructure, making them safe for both online and offline transactions.

Can students apply for a RuPay credit card?
Yes, students can apply for secured RuPay credit cards that are offered against a fixed deposit to start building their credit profile early.

Are RuPay credit cards lifetime free?
Yes, there are certain lifetime free RuPay credit cards like ixigo AU, IndusInd Platinum RuPay, YES BANK RuPay, and many others.

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