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RuPay is India’s own global card payment network that provides a secure and phishing-free environment for card transactions. In June 2022, the Reserve Bank of India allowed the linking of RuPay Credit Cards with UPI Platforms, enabling cardholders to make quick and card-less payments using their smartphones. Initially, only a few credit cards were available on the RuPay platform, but now almost all major card issuers like HDFC Bank, SBI Card, Axis Bank and ICICI Bank have started offering RuPay variants of their existing credit cards, with some launching entirely new cards on the RuPay network.

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With a growing range of options available, it may be difficult for consumers to choose the best RuPay credit card for UPI payments. To help, we have curated a list of the most popular RuPay credit cards in India, offering benefits across multiple categories like online shopping, fuel, cashback, and more.

Compare Top 10 RuPay Credit Cards in India

Tata Neu Infinity HDFC Bank Credit Card
tata-neu-infinity-hdfc-bank-credit-card
3.5/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

Up to 10% value-back on Tata Neu spends

8 domestic and 4 international Priority Pass lounge access per year

Shopping
Check Eligibility

Product Details

  • 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
  • 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • 1,499 NeuCoins after the first spend within 30 days of card issuance
  • Low forex markup fee of 2%
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HDFC MoneyBack+ Credit Card
hdfc-bank-moneyback-plus-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

Gift vouchers worth Rs. 2,000 every year

Shopping
Rewards
Check Eligibility

Product Details

  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints as welcome benefit after the payment of joining fee
  • Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
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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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ICICI HPCL Super Saver Credit Card
hpcl-super-saver-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6.5% savings on HPCL fuel spends

5% back on grocery & utilities

Fuel
Check Eligibility

Product Details

  • 4% cashback, max. Rs. 200 per month, on HPCL spends & 1% on fuel surcharge
  • Save additional 1.5% as 6 reward points per Rs. 100 spent on HPCL fuel via the HP Pay app
  • 2 reward points per Rs. 100 spent on other retail purchases, 1 RP = Rs. 0.25
  • Rs. 100 cashback on recharge via HP Pay app & 2,000 reward points as joining bonus
  • 1 domestic airport lounge access per quarter on spending Rs. 75,000 in the previous quarter
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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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IRCTC SBI Platinum Credit Card
sbi-irctc-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel
Check Eligibility

Product Details

  • 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 60 days
  • 10% value-back through reward points upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website
  • 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
  • 4 complimentary railway lounge access in a year
  • Waiver of 1% transaction charge on railway ticket bookings
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HDFC Bank UPI RuPay Credit Card
hdfc-bank-upi-rupay-credit-card
3/5

Joining fee: ₹99

Annual/Renewal Fee: ₹99

Up to 3% CashPoints on card spends, including UPI transactions

Gift voucher worth Rs. 250 as welcome bonus

Shopping
Rewards
Check Eligibility

Product Details

  • 3% CashPoints, up to 500 points per month, on PayZapp, groceries, supermarket &dining spends
  • 2% CashPoints, up to 500 points per month, on utility spends
  • 1% CashPoints, up to 500 points per month, on other spends
  • Annual fee waived off on reaching Rs. 25,000 annual spends
Know More

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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IndusInd Bank Platinum Credit Card
indusind-bank-platinum-credit-cards
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

1.5 reward points for every Rs. 150 spent

Rewards
Check Eligibility

Product Details

  • 1.5 reward points for every Rs. 150 spent
  • Complimentary vouchers of brands like The Postcard Hotel, Montblanc, Amazon, Flipkart as welcome benefit
  • 1% fuel surcharge waiver across all petrol pumps
Know More

Video: RuPay Credit Cards – Best Credit Cards for UPI Payments

10 Best RuPay Credit Cards in India for Jan 2026

Given below are the detailed features and benefits of best credit cards for UPI payments in India that can help consumers avail significant value-back on their UPI transactions. Additionally, our reviews for each card highlight the key reasons they stand out and earned their place on this list.

1. Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

Best for: Online Shopping within Tata Group
Joining Fee: Rs. 1,499 + Applicable Taxes
Annual Fee: Rs. 1,499 + Applicable Taxes

Key Features & Benefits

  • 5% back as NeuCoins on Tata Neu and partner Tata brands such as Air India, Westside, etc.
  • 1.5% back as NeuCoins on Non-Tata brand spends
  • 1.5% back as NeuCoins on UPI spends via RuPay card variant
  • 1.5% back as NeuCoins on merchant EMI spends
  • 1,499 NeuCoins as welcome benefit
  • Additional 5% back as NeuCoins on Tata Neu app/website
  • 8 complimentary domestic lounge visits in a year on spending Rs. 50,000 in the previous quarter
  • 4 complimentary international lounge visits in a year

Offering up to 10% savings on Tata Group Brands, the benefits on this credit card spans multiple categories like grocery, travel, lifestyle, etc. Cardholders get 1.5% cashback on their UPI spends- a solid return, especially for someone who frequently shops at the associated brands and can easily redeem the rewards for maximum value.

2. HDFC Bank MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

Best for: Online spends with partner brands
Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

Key Features & Benefits

  • 10X CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart SuperStore
  • 5X CashPoints on EMI spends at select merchants
  • 2 CashPoints for every Rs. 150 spent on other categories, including UPI spends
  • Rs. 500 gift voucher on reaching spending threshold of Rs. 50,000 in a quarter
  • Up to 20% savings on dining via Swiggy Dineout

An upgraded variant of the very popular HDFC MoneyBack Credit Card, MoneyBack+ caters to the online shopping needs of the consumers- spanning multiple categories like dining, grocery, lifestyle and more. While most cards exclude EMI spends from their rewards program, this cards offers 5X accelerated earnings. With the RuPay variant, cardholders can make significant savings on their UPI spends as well.

3. Airtel Axis Bank Credit Card

Airtel Axis Credit Card

Best for: Utility Bill Payments
Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

Key Features & Benefits

  • 25% cashback on bill payment for Airtel Mobile, Broadband, Wifi, and DTH via the Airtel Thanks app
  • 10% cashback on utility bill payments such as electricity, water, gas via the Airtel Thanks app
  • 10% cashback on spends across preferred merchants- Zomato, Swiggy and BigBasket
  • 1% cashback on other eligible spends
  • Amazon e-voucher worth Rs. 500 on the first transaction made within the 30 days of card issuance
  • 4 complimentary domestic lounge visits per year on spending Rs. 50,000 during the previous 3 months

Airtel Axis is one of the best RuPay credit cards designed to offer benefits on one of the most excluded categories, i.e., bill payments. Cardholders can earn 25% cashback on Airtel bill payments and 10% cashback on other utility bill payments through the Airtel Thanks app. Besides this, it also offers 10% cashback on popular brands, including Zomato, Swiggy, and BigBasket, which enhances the card’s overall value. At an affordable annual fee of Rs. 500, consumers who are in the Airtel ecosystem or planning to join it can maximize the benefits of this card.

4. ICICI HPCL Super Saver Credit Card

ICICI Bank HPCL Super Saver Credit Card

Best for: Fuel Spends at HPCL
Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

Key Features & Benefits

  • 4% cashback on at HPCL petrol pumps (capped at Rs. 200 per month)
  • 5% value-back on departmental stores, mobile bills & electricity bills
  • 2 reward points per Rs. 100 spent across other categories, including UPI transactions
  • 1% fuel surcharge waiver at HPCL petrol pumps
  • 5% savings as reward points on HPCL fuel outlets on payments made via HP Pay app
  • 25% off on BookMyShow and INOX, valid twice per month
  • 1 complimentary domestic lounge visit per quarter on spending Rs. 75,000 in the previous quarter

Another fuel credit card in the list, ICICI HPCL Super Saver Credit Card allows cardholders to save up to 5% on their HPCL fuel spends, groceries, utilities, etc. On their UPI spends, cardholders can earn a base reward rate. Though the reward rate is quite low, consumers who want a low annual fee credit card, that offers decent savings on fuel and other everyday spends, can apply for this card.

5. YES Bank Paisabazaar PaisaSave Credit Card

YES Bank Paisabazaar PaisaSave Credit Card

Best for: Dining & Travel
Joining Fee: Nil
Annual Fee: Rs. 499 + Applicable Taxes

Key Features & Benefits

  • 6% cashback on dining & travel spends, without any merchant restrictions
  • 1% cashback on other categories & UPI spends
  • Annual fee waiver on annual spends of Rs. 1.2 Lakh
  • 1% fuel surcharge waiver across all petrol pumps, capped at Rs. 250 per month

With 6% cashback on travel & dining, YES BANK Paisabazaar PaisaSave Credit Card is a great option for consumers who frequently travel and dine out. Cardholders can earn 6% cashback across all merchants like MakeMyTrip, Goibibo, Swiggy, Zomato, and more. Besides this, cardholders can also earn unlimited 1% cashback on UPI spends, enhancing the overall value for consumers who prefer to pay online via UPI. Overall, this card is a suitable option for consumers seeking a low annual fee credit card with decent cashback benefits.

6. HPCL IDFC FIRST Power+ Credit Card

idfc first hpcl power plus credit card

Best for: Fuel Spends at HPCL
Joining Fee: Rs. 499 + Applicable Taxes
Annual Fee: Rs. 499 + Applicable Taxes

Key Features & Benefits

  • 5% savings on HPCL fuel spends offered as reward points
  • 5% savings on grocery and utility spends offered as reward points
  • 5% savings on IDFC FIRST FASTag Recharge offered as reward points
  • 3 reward points per Rs. 150 spent on other categories, including UPI transactions
  • Rs. 500 cashback on the first HPCL fuel transaction of minimum Rs. 500
  • Rs. 1,000 off on Zoomcar and up to 50% off on chauffeur driven cars on Eco Rent A Car & Europcar
  • 25% off, up to Rs. 100, on movie tickets once per month
  • 1 complimentary visit to domestic airport lounge every quarter on monthly spends of Rs. 20,000

With IDFC FIRST Power+, cardholders not only get good value-back on their fuel spends but also on some practical everyday categories like groceries and utilities. The base reward rate is applicable on UPI transactions, further adding to its benefits. Consumers looking to save on fuel spends, along with good value on other spends, can consider getting this card.

7. IRCTC SBI RuPay Credit Card

IRCTC SBI RuPay Platinum Credit Card

Best for: Train Ticket Bookings via IRCTC
Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 300 + Applicable Taxes

Key Features & Benefits

  • 10% value-back on AC1, AC2, AC3, Executive Chair car and Chair Car ticket bookings via IRCTC
  • 1 reward point per Rs. 125 spent on non-fuel retail spends, including UPI transactions
  • 350 reward points on card activation and 500 reward points on renewal
  • 1% transaction charge waiver on railway ticket bookings via IRCTC
  • 4 complimentary railway lounge visits in a year

A good option for train travellers, this IRCTC co-branded credit card offers 10% savings on IRCTC, along with decent value-back on other retail spends. Available on the RuPay Network, this card also offers rewards on UPI transactions, which can later be redeemed against IRCTC train ticket bookings.

8. HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI Rupay Credit Card

Best for: UPI Transactions
Joining Fee: Rs. 99 + Applicable Taxes
Annual Fee: Rs. 99 + Applicable Taxes

Key Features & Benefits

  • 3% CashPoints on Dining, Groceries and Supermarket spends and on PayZapp transactions
  • 2% CashPoints on Utility spends
  • 1% CashPoints on all other spends
  • Above benefits are applicable on UPI spends as well, depending on the transaction category
  • 1 CashPoint = Rs. 0.25

Designed specifically for UPI transactions, this virtual credit card from HDFC Bank offers up to 3% cashback. Cardholders will earn 3% back on quite practical categories like dining, grocery, and departmental store spends, whereas utility spends will earn 2% cashback. All other UPI transactions will earn 1% cashback- a decent return for an entry-level credit card.

9. Ixigo AU Credit Card

Ixigo AU Credit Card

Best for: Domestic Travel
Joining Fee: Nil
Annual Fee: Nil

Key Features & Benefits

  • 10 reward points per Rs. 200 spent online
  • 5 reward points per Rs. 200 spent offline, including UPI transactions
  • 10% discount on flight bookings via Ixigo (capped at Rs. 1,000 per month)
  • 10% discount on hotel bookings via Ixigo (capped at Rs. 1,000 per month)
  • 10% discount on bus bookings via Ixigo (capped at Rs. 300 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

This is one of the best lifetime free RuPay credit cards with which consumers can avail substantial savings on flights, hotels and bus bookings made via Ixigo. At no annual fee, this card offers good value-back, along with additional benefits like domestic lounge access, railway lounge access and zero forex mark-up fee. Reward points on UPI spends, albeit at the base rate, add to its benefits on everyday spends.

10. IndusInd Platinum RuPay Credit Card

IndusInd Platinum RuPay Credit Card

Best for: UPI Transactions
Joining Fee: Nil
Annual Fee: Nil

Key Features & Benefits

  • 2 reward points per Rs. 100 spent on UPI transactions
  • 1 reward point per Rs. 100 spent on non-UPI transactions
  • 0.70 reward points per Rs. 100 spent on select merchant categories
  • Insurance coverage of up to Rs. 1 Lakh
  • 1% fuel surcharge waiver across all fuel stations in India

With IndusInd Platinum RuPay Credit Card, consumers can earn accelerated reward points on UPI transactions. While the reward-earning rate stands low, this card can be a suitable option for new-to-credit consumers seeking a rewards credit card with basic benefits. Besides this, insurance benefits and a fuel surcharge waiver add to the overall value. 

Other RuPay Credit Cards

Other RuPay Credit Cards

Apart from the above-mentioned RuPay cards, top issuers, such as HDFC, Kotak, ICICI, and more offer other RuPay Credit Cards for benefits across multiple categories. Here are some of the best RuPay credit cards for UPI payments in India:

Credit Card Annual Fee Best Suited For
HDFC Bank Pixel Play Credit Card Rs. 500 Cashback
HDFC Freedom RuPay Credit Card Rs. 500 Reward Points
ICICI Coral RuPay Credit Card Rs. 500 Rewards & Movie Tickets
Kotak League RuPay Platinum Credit Card Rs. 499 Shopping & Rewards
Bank of Baroda Easy RuPay Platinum Credit Card Rs. 500 Reward Points
IndianOil HDFC RuPay Credit Card Rs. 500 Fuel Transactions
IndianOil Kotak RuPay Credit Card Rs. 449 Fuel Transactions
IDFC First Power Credit Card Rs. 199 Fuel Transactions
Yatra SBI RuPay Credit Card Rs. 499 Travel
IRCTC HDFC RuPay Credit Card Rs. 500 Travel & Railway Bookings
ICICI Rubyx RuPay Credit Card Rs. 3,000 Travel & Shopping
Kiwi Credit Card Nil UPI Transactions
Check the 25 best credit cards in 2026 across other categories from top card providers in India.

More About RuPay Credit Cards

What is a RuPay Credit Card?
RuPay Credit Cards on UPI
Features and Benefits of RuPay Credit Cards
How to Apply for RuPay Credit Cards?
Difference Between Visa, MasterCard and RuPay Credit Cards
Top Issuers offering RuPay Credit Cards
FAQs on RuPay Credit Cards

What is a RuPay Credit Card?

RuPay Credit Card is issued on the RuPay payment network and works like a regular credit card, allowing you to borrow funds up to a certain limit for purchases and repay later. Similar to Visa and Mastercard, RuPay Credit Cards can be used at POS terminals and on e-commerce platforms while also offering benefits like rewards or cashback.

RuPay Credit Cards on UPI

What makes RuPay Credit Cards stand out is their integration with UPI, enabling cardholders to avail benefits even on UPI transactions—a feature currently unavailable with credit cards from other networks.

It’s also important to note that while some cards, like HDFC UPI RuPay Credit Card, are designed specifically for UPI transactions, offer accelerated rewards, other cards on the RuPay network may only offer base rewards or cashback on UPI spends.

Additionally, some card issuers also offer virtual RuPay credit cards for both new and existing cardholders. For example, when you apply for YES Bank Paisabazaar PaisaSave Credit Card, you receive a physical credit card with MasterCard and a virtual RuPay card at no extra cost. Similarly, existing HDFC credit cardholders can apply for the virtual HDFC Bank UPI RuPay credit card and earn benefits on UPI spends.

How to Link RuPay Credit Card to UPI?

Follow the below mentioned steps to link your RuPay Credit Card to UPI:

Step 1: Open a UPI-enabled app such as Google Pay, PhonePe, Paytm, BHIM, etc.

Step 2: Go to the ‘Add Credit Card’ section.

Step 3: Select your issuer that offers RuPay Credit Cards.

Step 4: Enter your card details and verify with OTP.

Step 5: Set a UPI PIN for credit card transactions.

Step 6: Once linked, you can use RuPay Credit Card for all UPI-based transactions at supported merchants.

Features and Benefits of RuPay Credit Cards

Rewards and Cashback

RuPay Credit Cards offer reward points and cashback on a wide range of transactions, including shopping, dining, fuel, travel, and more. However, the value back varies from card to card. While cashback is usually credited to the statement balance, reward points can be redeemed across multiple categories through the rewards catalogue of the respective card issuer.

Also Check: Best Cashback Credit Cards

Benefits on UPI Spends

With RuPay Credit Cards now being enabled on UPI, cardholders can make credit card payments directly through UPI apps like PhonePe, Google Pay, Paytm, BHIM, etc. This integration allows cardholders to earn rewards and cashback even on UPI transactions, which was earlier not possible with credit cards from other networks. Besides this, some issuers also offer accelerated benefits on UPI spends made via RuPay cards.

Building a Credit Profile

Like other credit cards, RuPay cards also help you build a strong credit profile. Using a RuPay Credit Card responsibly—such as paying your dues on time, staying within your credit limit, and keeping your credit utilization low—can help build and improve your credit score.

Secure Transactions

RuPay Credit Cards are equipped with EMV chip technology that allows you to make secure, high-value transactions. Backed by NPCI, RuPay cards come with an added layer of security, as RuPay follows stringent policies and comes with real-time fraud monitoring for both online and offline transactions.

Wider Reach

RuPay Credit Cards are issued by a broad network of public and private sector banks, including SBI Card, Punjab National Bank (PNB), HDFC Bank, ICICI Bank, and more. These banks have extensive networks of branches, ATMs, and merchant tie-ups across the country, making it easy for cardholders to use their RuPay credit cards across India.

Where are RuPay Credit Cards accepted?

RuPay Credit Cards can be used for both card-present transactions—such as those made at ATMs and point-of-sale (POS) terminals—and card-not-present transactions like online shopping, IVR, and more.

While domestic RuPay Credit Cards are accepted at all RuPay-enabled retail terminals, online websites, and ATMs across India, international RuPay Credit Cards can be used at all RuPay acceptance points within India as well as at ICS Partner acceptance points globally, including ATMs, retail stores, and e-commerce platforms.

How to Apply for RuPay Credit Cards?

You can apply for select RuPay Credit Cards online through our platform by following the below mentioned steps:

Step 1: Click here to begin the process.

Step 2: Enter your mobile number and verify it using the OTP received.

Step 3: Enter basic details like occupation, monthly income, etc.

Step 4: Apply for your preferred RuPay Credit Card from the list of pre-approved offers.

If you are not able to find the right card for you, you can also apply online by visiting the official website of your preferred card issuer and submitting the application form along with the relevant documents. Alternatively, if you want to apply for a RuPay Credit Card offline, you can visit the nearest branch of the respective card issuer and apply in person by submitting a duly filled application form.

Difference Between Visa, MasterCard and RuPay Credit Cards

Here is a detailed comparison of RuPay, Visa, and MasterCard credit cards:

Feature RuPay Visa MasterCard
Origin India (NPCI) USA USA
Processing and Verification Within India Outside India Outside India
UPI Compatibility Yes No No
Ideal for Domestic & UPI users Global online/offline users Global online/offline users
International Acceptance Limited Widely accepted Widely accepted
Processing Fee Lower (domestic processing) Higher Higher
Contactless Payment Visa payWave PayPass RuPay Contactless
Payment Processing Time High High Low
Insurance Cover On select cards On select cards On all cards

FAQs on RuPay Credit Cards

Which RuPay credit card is best for UPI transactions?
If you want a RuPay credit card with a minimal annual fee, you can apply for HDFC Bank UPI RuPay Credit Card. However, if you prefer brand-specific benefits, you can compare & apply for co-branded credit cards, such as Tata Neu HDFC, IndianOil Axis, etc.

Which is the best RuPay credit card for movies?
Axis My Zone and Axis Neo are some of the best RuPay Credit Cards for movies as they offer benefits with BookMyShow, PVR, Distric App, etc. Apart from these, RuPay Credit Cards that offer higher value-back across all spends can be a good option to save on movies, especially for those who do not want to limit their benefits to select brands/platforms.

Which is the best RuPay credit card for grocery shopping?
The best RuPay Credit Cards for grocery shopping are Tata Neu Infinity HDFC Bank Credit Card, HDFC MoneyBack+ and HDFC UPI RuPay Credit Card. With the Tata Neu Infinity Card, you can get accelerated NeuCoins on BigBasket (as a Partner Tata Brand) whereas HDFC MoneyBack+ offers accelerated earning on BigBasket and Reliance Smart SuperStore. Meanwhile, HDFC UPI RuPay offers 3% CashPoints on all grocery spends. In addition to the accelerated benefits, you will also earn value-back across other grocery spends, when you pay through UPI using any of these RuPay credit cards.

Which RuPay credit card offers lounge access?
Most RuPay credit cards allow cardholders to avail of complimentary lounge access. However, the number of visits you can avail in a year varies from card to card. If you are looking for a RuPay credit card with lounge access benefits, you can consider cards like Tata Neu HDFC, or ICICI HPCL Super Saver.

How can I apply for a RuPay credit card?
You can apply for select RuPay Credit Cards online through Paisabazaar. Login using your mobile number and OTP and you will be able to see the pre-approved credit card offers available for you. Select the RuPay credit card of your choice and proceed with the application. Alternatively, you can visit the respective bank’s website or branch to apply for a RuPay Credit Card.

Which is better- RuPay or Visa?
Both RuPay and Visa networks are acceptable worldwide for online and offline spends. However, as of now, only RuPay credit cards can be linked to UPI apps and used for making UPI transactions. This gives RuPay cardholders an added advantage, enabling them to earn rewards even on smaller, everyday purchases made via UPI.

What are the benefits of RuPay credit cards?
RuPay credit cards function similarly to standard credit card allowing you to earn benefits on your daily transactions. With RuPay cards, you can earn rewards, cashback, complimentary lounge access, complimentary memberships, gift vouchers, and much more. What sets RuPay credit cards apart from others is their integration with UPI. By linking your RuPay credit card with UPI, you can also earn benefits on your UPI transactions.

Which banks offer RuPay credit cards?
Most of the popular issuers, such as HDFC, ICICI, SBI, Kotak, Axis, and more offer RuPay credit cards. You can contact the respective card issuer and apply for a RuPay credit card online or offline.

How can I link my RuPay credit card with UPI?
Cardholders can link their RuPay credit cards with UPI using UPI-enabled mobile app. You are required to add your card info under the ‘Payment’ by entering card details, including card number, CVV, and expiry date. After this, you can use your RuPay credit card for UPI transactions.

Can RuPay credit cards be used for international transactions?
Yes, you can use your RuPay credit cards for international transactions. However, a forex markup will be charged on your foreign currency transactions, which is typically 3.5% of the transacted amount. However, this fee varies from card to card.

What are the best RuPay credit cards for fuel spends?
If you are looking for a fuel credit card that offers enhanced fuel benefits, such as higher rewards or complimentary memberships, you can apply for IndianOil Axis, ICICI HPCL Super Saver, and IndianOil Kotak credit cards.

Are RuPay credit cards accepted everywhere?
RuPay credit cards can be used for both card-present transactions involving ATMs and point of sale terminals and card-not-present transactions such as online shopping websites, IVR, etc. While the domestic RuPay credit cards are accepted at all RuPay enabled retail terminals, online websites and at all ATMs, international RuPay credit cards can be used at all RuPay acceptance points in India and all ICS Partner acceptance points such as ATMs, retail terminals and online shopping websites.

Can I withdraw money from my RuPay Credit Card?
Yes, you can withdraw cash from your RuPay credit card at ATMs, but cash withdrawal usually attracts a fee and interest from the date of withdrawal.

Can I transfer funds from a RuPay Credit Card to a bank account?
No, usually you cannot transfer funds from your credit card to your bank account. However, RuPay credit ard offers the facility of cash withdrawal, but it comes with high interestr charges.

How is RuPay different from Visa or Mastercard?
RuPay is an Indian card network designed for domestic transactions with lower fees, while Visa and Mastercard are global networks accepted internationally with broader merchant coverage. Additionally, RuPay cardholders can earn benefits on UPI spends, which Visa cardholders cannot.

What should I do if my RuPay card is lost or compromised?
You should immediately contact your bank to block the card and request a replacement to prevent unauthorized transactions.

What cashback or rewards do I get with my RuPay credit card?
Rewards and cashback vary by card type; some RuPay credit cards offer cashback on fuel, groceries, or online shopping, while others offers points redeemable against vouchers or other categories.

What is the eligibility criteria to apply for a RuPay credit card?
To apply, you must be an Indian resident, meet the minimum age and income requirements, and have a good credit history as specified by the issuer. However, eligibility criteria vary from card to card, so you should check the eligibility criteria before applying to avoid rejection.

How to add a RuPay credit card in Google Pay?
To add a RuPay credit card in Google Pay, go to the ‘Add Credit Card’ section, select your card issuer, and enter all your card details, such as card number, expiry date, and CVV. Lastly, set a UPI PIN to start making UPI transactions.

Is a RuPay credit card good?
Yes, using a RuPay credit card responsibly can help you build a strong credit score and maximize your savings. However, different RuPay credit cards cater to different spending categories, so you should analyze your spending pattern and choose the card that best suits your needs.

Is there any lifetime free RuPay credit card?
Yes, RuPay, in collaboration with popular issuers such as AU Small Finance Bank, IndusInd Bank, YES BANK, and more, offers lifetime free RuPay credit cards. However, these offers may change from time to time, so it is advisable to check the official website of the respective card issuer for latest updates.

How to add a RuPay credit card in PhonePe?
You can add your RuPay credit card to PhonePe by entering your card details through the “Add Credit Card” section. Then, enter the required card details and set a UPI PIN to enable UPI spends.

What is the difference between RuPay Platinum and Classic cards?
Rupay Classic is the base variant that comes with limited benefits, whereas Rupay Platinum is an enhanced variant offering better benefits as compared to the Classic cards.

Can I convert RuPay Credit Card purchases into EMIs?
Yes, you can convert your RuPay credit card purchases into EMIs. You can contact your card issuer and ask them to convert the required transaction into EMI. Besides this, you can also do the same by logging into your mobile banking or net banking portal of the respective issuer.

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