10 Best RuPay Credit Cards in India

As the UPI payments are increasing every day. And RuPay credit cards play a key role in such payments. Along with credit card integration with the UPI application, the RuPay credit card also offers cashbacks and rewards. However, users often get confused about which card is suitable for them.

In today’s blog post, we will give you an overview of the best RuPay credit cards in India along with their benefits.

What is a RuPay Credit Card?

RuPay or rupee payment is an Indian domestic credit card payment network and is developed by NPCI, or National Payment Corporation of India. RuPay credit card allows you to borrow money from a bank up to a pre-approved limit, and the borrower or user can pay the borrowed amount later in installments or in full. A user can link RuPay credit to their UPI and can make a payment using their credit card limit.

Key Features of RuPay Credit Card

The key features of the RuPay credit card are as follows:

1. UPI: One can easily integrate or link a RuPay credit card to their UPI apps, such as Google Pay, PhonePe, Paytm, and others, and make payments using their credit card limits.
2. Rewards: On spending money through RuPay credit cards on shopping, fuel, online and offline purchases, one gets reward points and cashbacks.
3. Security: The RuPay credit cards are fully secured with standard EMV chips and PIN authentications, allowing users to use them without any hurdles.
4. Domestic Usage: RuPay credit cards are made in India to be used domestically. Hence, they are accepted across the country by various merchants.

Top RuPay Credit Card

1. Kiwi RuPay Credit Card
2. Axis Bank Supermoney Credit Card
3. Tata Neu Infinity HDFC Bank Credit Card
4. Jupiter Edge RuPay Credit Card
5. Scapia RuPay Credit Card
6. Indusind Bank RuPay Credit Card
7. Yes Bank Paisabazaar PaisaSave RuPay Credit Card
8. HDFC Bank UPI RuPay Credit Card
9. HSBC Platinum Credit Card
10. Myntra Kotak RuPay Credit Card

Credit Card	UPI Cashback / Rewards	Joining / Annual Fee	Lounge Access	Rewards Format	Best For
Kiwi RuPay	1.5%–5% cashback (Neon)	Free (Neon ₹999 optional)	3/year (Neon)	Real cashback (bank transfer)	Heavy UPI users
Axis Bank SuperMoney	3% cashback (monthly cap)	Lifetime Free	No	Statement cashback	High UPI cashback
Tata Neu Infinity HDFC	1.5% NeuCoins	₹1,499 (waiver possible)	Domestic & International	NeuCoins (Tata brands)	Tata ecosystem users
Jupiter Edge RuPay	1% cashback	₹499 joining	Available (select)	Cashback / Jewels	Shopping & travel
Scapia RuPay	1% rewards (above ₹500)	Lifetime Free	Spend-based	Scapia Coins	Travel & digital users
Indusind Bank RuPay Credit Card	2 Reward Points for every 100 INR spent	Lifetime Free	Spend Based	Reward Points	UPI Users
Yes Bank Paisabazaar PaisaSave RuPay Credit Card	1% cashback	₹499 annual	Travel	Cashback	Dining, Travel, Lifestyle
HDFC Bank UPI RuPay Credit Card	3% cashback	₹99 annual	UPI	Cashpoints	Everyday essential
HSBC Platinum Credit Card	2 Reward Points for every 150 INR spent	₹499 annual	Cashback	Cashback	International Travel
Myntra Kotak RuPay Credit Card	UPI payments	₹500 annual	Merchant Discount	Cashback and E-vouchers	Online Shoppers

Read Also: Best Credit Cards in India

Overview of Top RuPay Credit Cards

The overview of the top RuPay credit cards is as follows:

1. Kiwi RuPay Credit Card

This card is primarily designed for UPI users who frequently use credit cards for their UPI payments. They will get cashback on their daily payments. Also, the company offers additional cashback to users who have subscribed to the Neon membership. 

• UPI Focused Rewards: This credit card is mainly designed for UPI users, which allows them to earn cashback on every UPI payment.
• Low Entry Fees: The Kiwi credit card comes with no joining fees, along with minimal charges. 
• Simple Cashbacks: Kiwi cardholders can simply earn assured cashback, which makes it simple to understand and use.

2. Axis Bank Supermoney Credit Card

This credit card offered by Axis Bank primarily focuses on simplicity and consistent rewards. It offers cashbacks on UPI payments and reduces credit card bills. This card also comes with a lifetime free benefit.

• Daily Rewards: This Axis credit card provides rewards on daily spending, including payments like groceries, bill payments, etc.
• Reliable: This card is backed by Axis Bank, which offers strong customer support.
• Reasonable: The card is quite reasonable to get, as it comes with an easy eligibility feature.

3. Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu card is suitable for users who regularly purchase goods from Tata. The rewards offered on this card can be redeemed across different products of the Tata brand, such as 1mg, Bigbasket, etc.

• Tata Ecosystem: Neu cardholders can earn upto 5% reward points on their purchases from Tata group stores.
• Premium Lifestyle: This card offers complimentary access to airport lounges, which makes it attractive among the frequently flyers.
• Dual Network: This card is available on both the RuPay and Visa network providing higher flexibility.

4. Jupiter Edge RuPay Credit Card

This card was designed to give benefits to users who spend more on online shopping and travel. It offers higher cashbacks and discounts on various e-commerce platforms.

• App-based: This card can easily be managed through the application provided by Jupiter. 
• Real-time tracking: One can easily track their spending rewards through the application.
• UPI integration: This Jupiter credit card can be easily integrated into the UPI applications, such as Google Pay, etc.

5. Scapia RuPay Credit Card

The Scapia credit card provides benefits to users who travel very frequently. It offers access to a premium lounge and airmiles. Using this card, one can track their rewards on the application, and there are no annual fees on this card.

• Travel Centric: Scapia card primarily focuses on the travellers, and offers airport lounge access and benefits on hotel bookings.
• Forex Markup: This card is suitable for international travellers as it does not charge foreign exchange markup. 
• Lifetime free: This is a lifetime free credit card suitable for travellers.

6. Indusind Bank RuPay Credit Card

This credit card is suitable for users who are looking for rewards for daily use. The card also offers a fuel surcharge waiver and benefits for travellers.

• Bonuses: This credit card offers higher benefits on spending related to utility bills, insurance, etc. 
• Fuel: One gets a benefit of a fuel surcharge on fuel spending.
• Travel Benefits: The Indusind Bank RuPay credit card offers various benefits for travellers, including domestic airport lounge access.

7. Yes Bank Paisabazaar PaisaSave RuPay Credit Card

This credit card primarily focuses on easy cashbacks instead of a complicated reward structure. This card comes with zero joining fees, along with the benefit of a fuel surcharge waiver.

• UPI Reward Points: One can earn reward points for every 100 INR spent. 
• Waiver of Annual Fees: A user can get their annual charges waived by spending more than the specified limit.
• Fuel Benefits: One can enjoy a fuel surcharge waiver on petroleum purchases.

8. HDFC Bank UPI RuPay Credit Card

This card is specifically designed for users who mostly rely on UPI for daily payments. As this card is backed by HDFC Bank, hence offering reliability and digital control.

• Tiered Benefits: One earns more on top categories and a base rate on general spending. 
• Welcome Bonus: This card comes with a small joining gift voucher for its users.
• Annual Fee Waiver: Annual card fees can be waived by qualifying for minimum spending.

9. HSBC Platinum Credit Card

This card offers the benefit of both everyday and lifestyle spending. A lifetime free benefit allows a user to hold it for the long term. One can easily get the benefit of spending on travel, dining, etc., related expenses.

• Across Category Benefit: This card provides benefits for every kind of spending, whether it is travel or lifestyle.
• Lifetime Free: The rewards of this card can be availed without paying any annual fees.
• Extra Rewards: HSBC RuPay credit card offers additional rewards on flights and hotel bookings.

10. Myntra Kotak RuPay Credit Card

This credit card is suitable for those who prefer online shopping. It offers additional benefits on Myntra purchases. Along with this, it also offers benefits on food delivery services, cinema tickets, etc.

• Online Shoppers: This credit card is more suitable for people who love shopping on Myntra and other online platforms.
• Fuel Benefits: It offers the benefits of a fuel surcharge waiver on every fuel spending.
• UPI Network: This card easily works on the UPI applications such as Google Pay, Phone Pay, etc.

Types of RuPay Credit Card

The different types of RuPay credit cards are as follows:

1. Classic Card: This type of credit card is best suited for users who are using it for the first time. This card has limited benefits and rewards.
2. Platinum Card: The Platinum RuPay card offers a higher spending limit with comparatively better rewards and benefits. However, these cards carry higher annual fees.
3. Select Credit Card: This is a premium range of RuPay credit cards offering enhanced benefits. Their benefit is that it offers concierge and airport lounge access.
4. EKAA Credit Card: The EKAA credit card offers ultra-premium benefits such as emergency cash withdrawal, complimentary golf games, travel privileges, air miles, etc.

Read Also: Rupay Case Study

Benefits of RuPay Credit Card

The key benefits of the RuPay credit card are as follows:

1. Acceptance: The RuPay credit cards are widely accepted across the country. It is also accepted by more than 5 crore merchant outlets across India. 
2. Rewards: RuPay credit cards offer various reward programs for their users. The user can earn reward points for every amount spent by them.
3. UPI Payment: One can easily link their credit cards with their UPI payment apps, such as Google Pay, Paytm, etc. and can make seamless payments.
4. Cost-efficient: Most of the RuPay credit cards are available with zero annual maintenance fees, along with zero joining fees.

Conclusion

On a concluding note, RuPay credit card offers various reward programs to their users on everyday transactions. There are different RuPay credit cards offered by different service providers. They are designed for a cost efficient way of spending money. One can easily link their RuPay cards with UPI to make payments easy. However, it is advisable to monitor one’s spending to avoid a debt trap and choose a card based on one’s needs. 

Start your investing journey with Pocketful, advanced trading & investing features and zero brokerage on delivery.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Difference Between RuPay and Visa Card
2	Best UPI Apps in India
3	SBI Cards and Payment Services Case Study
4	How to Improve Your Credit Score?
5	CRED Case Study