Types of RuPay Credit Cards

RuPay credit card tiers are classified based on the level of benefits each credit card offers. EKAA, being the highest tier, offers super-premium benefits such as complimentary golf access, exclusive travel privileges, concierge services, and more. On the other hand, Platinum variant, which is the entry-level tier, comes with limited benefits like basic rewards or cashback on everyday spends at a lower annual fee.

RuPay Platinum Credit Card

RuPay Platinum variant is the entry-level variant that comes with relaxed eligibility criteria and basic benefits, making it a suitable choice for new-to-credit consumers who are planning to start their credit journey. Typically, Platinum variant offers limited rewards or cashback along with basic features such as fuel surcharge waiver and standard merchant offers.

Key Features & Benefits:

• Basic reward points or cashback
• Personal accident insurance cover
• Exclusive merchant offers
• 24×7 concierge services
• Fuel surcharge waiver

Best Suited For: Regular credit card users with moderate monthly spends who are looking for basic rewards along with lifestyle benefits.

RuPay Select Credit Card

RuPay Select variant is usually offered with premium credit cards and is designed for consumers who want higher reward rates along with enhanced lifestyle benefits. This variant comes with stringent eligibility criteria and is typically offered to consumers with a strong credit history. It includes benefits such as complimentary lounge access, higher reward rates, better insurance coverage, and more.

Key Features & Benefits:

• Accelerated reward points on select categories
• Complimentary airport lounge access
• Exclusive business services
• Higher insurance coverage
• Access to exclusive dining and merchant offers
• Complimentary concierge services

Best Suited For: Consumers with higher income or frequent travellers looking to maximize benefits across multiple categories.

RuPay EKAA Credit Card

RuPay EKAA is the super-premium variant designed to match the lifestyle of HNIs. It offers luxury benefits such as complimentary golf games, exclusive entertainment privileges, dedicated concierge services, higher reward rates across multiple categories, complimentary hotel memberships, and more. This variant usually comes with very strict eligibility criteria and is sometimes offered only to select customers as an invite-only card, such as PNB Luxura Credit Card.

Key Features & Benefits:

• Accelerated reward points on select categories
• Complimentary airport lounge access
• Exclusive business services
• Higher insurance coverage
• Access to exclusive dining and merchant offers
• Complimentary concierge services
• Access to exclusive RuPay lounges, movie screening, concerts and more

Best Suited For: HNIs seeking a credit card with luxury benefits across multiple categories, such as travel, entertainment, shopping, and more.

RuPay Credit Card Tier	Ideal For	Key Benefits
RuPay Platinum	Beginners	Basic rewards, low fees, insurance coverage, access too exclusive merchant offers
RuPay Select	Regular Users	Complimentary lounge access, concierge services, exclusive business services, etc.
RuPay EKAA	Premium Users	Access to exclusive events, complimentary hotel memberships, entertainment benefits, etc.

While all RuPay credit card variants offer benefits on UPI spends along with other categories, choosing the right variant depends on your spending pattern and lifestyle. Consumers who are planning to start their credit journey can build their credit score with the base variant, i.e., Platinum, due to its relaxed eligibility criteria but limited benefits. On the other hand, consumers who already have a credit card and are looking for options to maximize overall benefits can choose between the Select variant. Lastly, HNIs who maintain a strong relationship with banks can maximize premium benefits with the EKAA variant, although it usually comes with a high annual fee.

So, when selecting a credit card, consider the following factors:

• Your monthly spending pattern
• Travel frequency and lifestyle preferences
• Eligibility criteria and income requirements
• Whether the annual fee justifies the overall value

RuPay Credit Cards offer different variants for different needs, from beginners planning to start their credit journey to HNIs seeking exclusive travel and lifestyle benefits. Understanding the different RuPay Credit Card tiers helps you make an informed decision and choose a card that aligns with your financial goals and spending habits.