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RuPay EKAA is the premium credit card variant offered by RuPay network which comes with elevated lifestyle privileges. It is given to the elite customer segment which includes high net-worth individuals (HNIs) who lead a luxury lifestyle.
RuPay EKAA Credit Cards provide premium perks and international benefits, including fast-track travel services with exclusive lounge access, concierge assistance, brand offers, private dining experience, golf access and much more
In addition to UPI compatibility like all other RuPay credit cards, EKAA card variants come with a wide range of super-premium features and benefits, as listed below:
RuPay EKAA Credit Cards come with hospitality benefits which can include complimentary 3rd night stay at luxury hotels, exclusive room upgrades, and free meals and spa services. Cardholders can also get benefits like Hotel Lux Elite Plus membership, free 3rd night stay at Postcard Hotels (in India, Bhutan or Sri Lanka) and ITC Hotels, along with free 2nd set menu meal at ITC signature restaurants.
RuPay EKAA provides discounts on entertainment spends through which you can save through offers like buy 1 movie ticket and get 1 free ticket worth up to Rs. 500 through BookMyShow, once every month.
Those with a RuPay EKAA card also get extensive insurance coverage. Cardholders get personal accident cover of Rs. 50 lakh, air accident cover worth Rs. 1 crore, purchase protection of Rs. 2 lakh, and travel insurance which includes Rs. 20 lakh cover against loss of baggage.
Access to global concierge services is provided to all RuPay EKAA cardholders to assist them in arranging private tables at top restaurants, car rentals, golf reservations, and even in planning their itinerary. This helps them maintain a premium lifestyle with minimal effort.
EKAA card users are also offered emergency cash concierge support worth $600 in case they lose their wallet anywhere in the world.
RuPay EKAA provides its card users with complimentary golf access across domestic India as well as at leading golf courses around the world. This can include free golf lessons, rounds as well as green fee discounts.
You can access several travel benefits with these credit cards that make the overall experience hassle-free. You can avail complimentary airport lounge access, international travel visa services with priority processing, and fast-track immigration with a 15% discount.
RuPay EKAA cards come with a complimentary 6-months EazyDiner Prime membership which helps you save up to Rs. 3,000 on every dining bill. Cardholders also get EazyPoints on every payment made and access to exclusive dining offers and priority reservations across premium restaurants.
Besides the above mentioned benefits, you also get some RuPay specific privileges. Cardholders get exclusive RuPay Lounge access at airports, for instance the RuPay lounge at T3 at Delhi airport, along with early and amplified access to concerts, events and VIP zones at various experiences.
| Parameters | Eligibility Criteria |
|---|---|
| Age | Min. Age: 21 years (18 years for BOI Celestia)
Max. Age: 70 years (65 years for Union Nexteria) |
| Nationality | Indian resident or a Non-resident India (NRI) |
| Occupation | Salaried or Self-employed |
| Minimum Income | PNB Luxura: Rs. 1.5 lakh p.m. for salaried and Rs. 18 lakh p.a. For self-employed Union Nexteria: Rs. 25 lakh p.a. |
Note: The above credit card eligibility criteria is subject to the card provider’s internal policies and may include other requirements. Some of the RuPay EKAA cards may also be offered as a credit card against a fixed deposit (FD) .
RuPay EKAA Credit Cards are suitable for the following:
Some of the credit cards on RuPay EKAA network are listed below:
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
Currently, RuPay EKAA network cards include BOI Celestia RuPay Credit Card, PNB Luxura RuPay Credit Card, Union RuPay Nexteria Credit Card, and Indian Overseas Bank RuPay EKAA Credit Card.
Yes, some of the RuPay EKAA cards may also be offered as credit cards against an FD. For instance, Union Nexteria credit card is also available against a deposit of Rs. 10 lakh or more.
Among the available RuPay EKAA credit cards, Bank of India Celestia Credit Card is an invite-only card.
RuPay EKAA is a super-premium variant and thus comes with better benefits than RUPay Select credit card types which fall under the mid-tier category. However, not everyone is eligible for or can afford to get EKAA cards as they are only offered to HNIs and come with a high annual fee. On the other hand, RuPay Select credit cards come with a comparatively lower income eligibility and annual charges and thus cater to the masses better.
Yes, You can earn considerable reward points on your UPI transactions made using RuPay EKAA Credit Cards.
Generally, super-premium credit cards like RuPay EKAA require a high credit score of 750 and above to qualify for, along with a good credit history.
Yes, RuPay EKAA credit cards come with Hotel Lux Elite Plus membership and complimentary 3rd night stay at Postcard Hotels (in India, Bhutan or Sri Lanka) and ITC Hotels.
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