IndusInd Bank RuPay Credit Card

IndusInd Bank offers a variety of credit cards catering to different consumer needs, such as shopping, travel, daily spends, and more. For consumers who prefer to make everyday payments via UPI, IndusInd Bank offers RuPay credit cards to maximize benefits, even on small-value transactions. Cardholders can link their IndusInd RuPay cards with UPI apps like PhonePe, Paytm, Google Pay, and more to save on day-to-day spends.

Here is the list of top IndusInd Bank RuPay credit cards:

Best IndusInd Bank RuPay Credit Cards

Credit Card	Annual Fee	Benefit on UPI
IndusInd Bank Jio-bp Mobility+ Credit Card	Nil	2 Smiles per Rs. 100 spent
Induslnd Platinum RuPay Credit Card	Nil	2 reward points per Rs. 100 spent
CRED IndusInd Bank RuPay Credit Card	Rs. 499	Up to 5 CRED Points per Rs. 100 spent
IndusInd Samman RuPay Credit Card	Rs. 199	1% cashback on UPI spends
Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card	Nil	1 reward point per Rs. 100 spent

Features & Benefits of IndusInd Bank RuPay Credit Cards

Here is the link of best RuPay credit cards offered by IndusInd Bank catering to different categories along with UPI payments.

1. IndusInd Bank Jio-bp Mobility+ Credit Card

Joining Fee: Rs. 499 + Applicable Taxes (Nil on spending min. Rs. 10,000 within 90 days of card setup)
Annual Fee: Nil

Key Features and Benefits:

• 12 Smiles per Rs. 100 spent at Jio-bp, including diesel, petrol, Castrol lubes, wildbean cafe and Jio-bp convenience store
• 5 Smiles per Rs. 100 spent on groceries, supermarket and dining
• 2 Smiles per Rs. 100 spent on all other eligible categories
• 500 Smiles on the 1^st Jio-bp fuel spend made within 30 days of card setup
• Rs. 200 wildbean cafe coupon on the 1^st spend on wildbean cafe within 30 days of card setup
• Up to 6,400 bonus Smiles as monthly and annual milestone benefits

IndusInd Bank Jio-bp Mobility+ is a co-branded credit card that offers up to 4% savings on Jio-bp spends, including 3% value-back through 12 Smiles per Rs. 100 spent at Jio-bp outlets and 1% fuel surcharge waiver. Apart from fuel, the card also offers accelerated rewards on grocery, supermarket and dining spends. It comes with a joining fee waiver condition and welcome benefits worth Rs. 325. Overall, this fuel credit card is a decent option for consumers who prefer refuelling at Jio-bp stations and want to save on fuel, along with everyday UPI spends.

2. Induslnd Platinum RuPay Credit Card

Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits:

• 2 reward points on every Rs. 100 spent through UPI
• 1 reward point for every Rs. 100 spent on non-UPI transactions
• 0.70 reward points for every Rs. 100 spent on select merchant categories
• 2 complimentary domestic lounge visits in a quarter with RuPay Select variant
• 1 complimentary domestic lounge visit in a month at RuPay exclusive lounges at DEL T3 terminal
• Uncapped 1% fuel surcharge waiver across all petrol pumps in India on transactions between Rs. 400 and Rs. 4,000

IndusInd Platinum RuPay is one of the best RuPay credit cards for beginners due to its relaxed eligibility criteria. The card primarily focuses on UPI spends by offering 2X reward points on UPI transactions and a base reward rate of 1 reward point per Rs. 100 spent on non-UPI purchases. In addition, benefits such as complimentary lounge access and an uncapped fuel surcharge waiver add to its overall value. This lifetime RuPay free credit card is a suitable option for consumers planning to start their credit journey and looking to save on UPI spends, even on small-value transactions.

3. CRED IndusInd Bank RuPay Credit Card

Joining Fee: Nil
Annual Fee: Rs. 499 + Applicable Taxes

Key Features and Benefits:

• 5 CRED Points per Rs. 100 spent on e-commerce, CRED pay, CRED travel, CRED store and CRED UPI spends
• 1 CRED Point per Rs. 100 on all other transactions, including UPI Scan & Pay, utilities and insurance spends made on CRED and international transactions
• 1 CRED Point = Rs. 1 against flights/hotels booked via CRED, CRED store and select CRED pay merchants
• 1% fuel surcharge waiver, up to Rs. 300 per month, on fuel spends worth Rs. 500 to Rs. 5,000

CRED IndusInd Bank RuPay is an entry-level credit card designed for consumers who prefer to spend within the CRED ecosystem. It offers 5X reward points on online spends and other CRED transactions, including UPI payments. Additionally, the card offers a base reward rate of 1% on UPI Scan & Pay transactions, as well as utility and insurance payments made via CRED. Offering rewards on usually excluded categories makes it one of the best credit cards for utility bill payments especially for CRED users. Cardholders can redeem the accumulated points on CRED at a 1:1 ratio, further enhancing its value. However, apart from UPI and CRED-related perks, the card offers limited benefits, making it suitable for consumers who prefer to make bill payments and everyday spends through CRED.

4. IndusInd Samman RuPay Credit Card

Joining Fee: Nil
Annual Fee: Rs. 199 + Applicable Taxes

Key Features and Benefits:

• 1% cashback across all spends of up to Rs. 20,000 in a month, including UPI transactions
• 1 movie ticket worth Rs. 200 every 6 months via BookMyShow
• 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000
• 1% railway surcharge waiver on transactions of up to Rs. 5,000

IndusInd Samman RuPay Credit Card is offered exclusively to government employees. The card offers 1% cashback on all spends, including UPI transactions. In addition, it offers basic benefits such as a free movie ticket along with fuel and railway surcharge waivers. Overall, this credit card is a suitable option for consumers looking for a RuPay card that offers cashback on UPI spends along with other basic benefits. However, consumers with a decent credit history may consider applying for other RuPay credit cards to maximize savings on UPI payments.

5. Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card

Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits:

• 5 reward points per Rs. 100 spent on e-commerce transactions
• 1 reward point per Rs. 100 across all other UPI and POS transactions
• 0.50 reward points per Rs. 100 spent on select merchant categories
• Buy One Get One Offer on movie tickets through BookMyShow for maximum Rs. 200 per ticket (valid once a month)
• 3,000 bonus reward points on spending Rs. 4 Lakh in a year

Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card offers 2.5X reward points on online spends and 1 point per Rs. 100 on UPI and other purchases. In addition, it offers BOGO offer on movie tickets and 3,000 bonus rewards every year as milestone benefits. However, it is a basic credit card with limited additional perks. Overall, this lifetime free credit card is a suitable option for new-to-credit consumers who prefer to spend online/UPI and want to maximize benefits on these categories.