Ditch the jargon, grab a chai, and let’s talk about best RuPay Credit Cards in India! Forget fiddling with endless card details; India’s own payment network, RuPay, is shaking things up. Just like Visa or Mastercard, they’ve teamed up with big banks like HDFC and ICICI to offer a dizzying array of credit cards tailored to your every need. But here’s the kicker: RuPay cards now play nice with UPI, no more tapping in those pesky numbers for QR code payments. That’s right, you can swipe, tap, and now pay with UPI, all while racking up rewards with your trusty RuPay card. So, ditch the wallet blues and dive into the best RuPay cards to save big on everyday spending and your new UPI BFF. Let’s go!

Credit Card	Annual Fee	Key Feature
HDFC Bank UPI RuPay Credit Card	Rs. 99	3% CashPoints on PayZapp transactions, groceries, supermarket and dining spends
Myntra Kotak RuPay Credit Card	Rs. 500	Instant discount of 7.5% on each transaction at Myntra
HDFC MoneyBack+ RuPay Credit Card	Rs. 500	10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
Tata Neu HDFC RuPay Credit Cards	Rs. 499 – Rs. 1,499	Up to 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands, such as Air India, Westside, etc.
IRCTC SBI RuPay Platinum Credit Card	Rs. 500	10% value back, through reward points, upon booking AC1, AC2, AC3, Executive Chair Card, and Chair Car tickets via IRCTC website or mobile app
IndianOil Axis RuPay Credit Card	Rs. 500	4% value back on fuel transactions by earning 20 reward points per Rs. 100 spent at any IOCL outlets
ICICI HPCL Super Saver RuPay Credit Card	Rs. 500	4% cashback of up to Rs. 200 per month on fuel purchases at HPCL pumps

1. HDFC Bank UPI RuPay Credit Card

The HDFC Bank UPI RuPay Credit Card is a virtual credit card designed for those who frequently use UPI payment mode for transactions. With a modest joining fee and annual fee of Rs. 99, it’s a budget-friendly option. Here are its key features:

Features of HDFC Bank UPI RuPay Credit Card

• Earn 3% CashPoints, capped at 500 points monthly, on PayZapp transactions, groceries, supermarket purchases, and dining expenses.
• Get 2% CashPoints, up to 500 points per month, on utility payments.
• Enjoy 1% CashPoints, up to 500 points monthly, on all other purchases excluding rent, wallet loads, EMI payments, fuel purchases, and government transactions.
• Each CashPoint is equivalent to Re. 0.25 or 0.25 Airmile.

This card is ideal for individuals seeking rewards and benefits specifically tailored for UPI transactions, making it a solid choice for everyday spending.

2. Myntra Kotak RuPay Credit Card

The Myntra Kotak RuPay Credit Card is specifically designed for avid online shoppers, particularly those who frequent Myntra. With a joining and annual fee of Rs. 500, it offers a range of benefits tailored for online shopping enthusiasts. Here’s a rundown of its key features:

Features of Myntra Kotak RuPay Credit Card

• 7.5% discount on every purchase made at Myntra.
• Get 5% cashback on transactions at partner merchants such as Swiggy, Cleartrip, Urban Company, and PVR.
• Earn unlimited 1.25% cashback on spends across other categories.
• Receive a complimentary Myntra Insider Membership, unlocking exclusive perks.
• Obtain a Myntra voucher worth Rs. 500 upon completing your first transaction of Rs. 500 or more within 30 days of card issuance.
• 2 complimentary PVR tickets every quarter upon spending Rs. 50,000 or more within a quarter.
• 1 complimentary domestic lounge access per quarter.

If you’re an online shopping enthusiast, especially if Myntra is your go-to destination, this card offers direct discounts, cashbacks, and exclusive privileges tailored to enhance your shopping experience.

3. HDFC MoneyBack+ RuPay Credit Card

The HDFC MoneyBack+ RuPay Credit Card, with a nominal joining and annual fee of Rs. 500, is tailored for those who frequently indulge in online shopping. It’s an upgraded version of the HDFC MoneyBack RuPay Credit Card, offering accelerated rewards on popular brands like Amazon, Swiggy, Flipkart, BigBasket, and more. Here’s a summary of its key features:

Features of HDFC MoneyBack+ RuPay Credit Card

• Earn 10X CashPoints on transactions at Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
• Enjoy 5X CashPoints on EMI spends at merchant locations.
• Earn 2 CashPoints for every Rs. 150 spent on other categories.
• Receive 500 CashPoints after paying the joining and renewal fee.
• Get gift vouchers worth Rs. 500 upon reaching quarterly spends of Rs. 50,000 or more.
• Avail up to a 20% discount at partner restaurants through Swiggy Dineout.

This card is ideal for avid online shoppers and high spenders who seek rewards, cashbacks, and discounts on their purchases. With its focus on popular online platforms and additional benefits like EMI rewards, it’s a suitable choice for maximizing value on online transactions.

4. Tata Neu HDFC RuPay Credit Cards

The Tata Neu HDFC RuPay Credit Cards come in two variants: Tata Neu Plus HDFC RuPay Credit Card and Tata Neu Infinity HDFC RuPay Credit Card. Both cards are designed for shoppers, with joining fees and annual fees of Rs. 499 and Rs. 1,499 respectively. Here are the key features of these cards:

Features of Tata Neu HDFC RuPay Credit Cards:

• Earn up to 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands like Air India and Westside.
• Receive up to 1.5% back as NeuCoins on non-Tata brand spends and any merchant EMI spends.
• Get an additional 5% back as NeuCoins on transactions made on the Tata Neu app or website, after downloading the Tata Neu app and registering for Tata NeuPass.
• Enjoy up to 8 domestic lounge access per calendar year (2 in a quarter).
• Receive 4 complimentary lounge access per calendar year (1 per quarter) outside India for RuPay Cardholders.

These cards are ideal for individuals who frequently shop at Tata Neu and partner Tata brands, offering attractive rewards in the form of NeuCoins. Additionally, the lounge access benefits make them suitable for travelers seeking comfort and convenience.

5. IRCTC SBI RuPay Platinum Credit Card

The IRCTC SBI RuPay Credit Card is tailored for individuals who frequently book railway tickets. With a joining fee of Rs. 500 and an annual fee of Rs. 300, it offers a range of travel benefits, making it an ideal choice for train travelers. Here are its key features:

Features of IRCTC SBI RuPay Credit Card:

• Earn 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.
• Get a 10% value back, in the form of reward points, on booking AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets via the IRCTC website or mobile app.
• Enjoy a 1% transaction charge waiver on railway ticket bookings through IRCTC.
• Earn 1 reward point for every Rs. 125 spent on non-fuel retail purchases.
• Receive 4 complimentary railway lounge access passes in a year.

This card is perfect for individuals who prefer train travel, offering significant benefits such as discounts on ticket bookings, transaction charge waivers, and rewards on every spend. Additionally, the complimentary railway lounge access adds further value for travelers seeking comfort and convenience.

6. IndianOil Axis RuPay Credit Card

The IndianOil Axis RuPay Credit Card, with a joining and annual fee of Rs. 500, is tailored for individuals who prefer IndianOil for their fuel needs. It offers attractive co-branded fuel benefits, making it an ideal choice for those looking to save on fuel expenses. Here are its key features:

Features of IndianOil Axis RuPay Credit Card:

• Earn a value back of 4% on fuel transactions at IndianOil outlets by earning 20 reward points per Rs. 100 spent.
• Receive a value back of 1% on online shopping by earning 5 reward points per Rs. 100 spent.
• Enjoy 100% cashback (up to Rs. 250) on fuel transactions within the first 30 days of card issuance.
• Avail a 1% fuel surcharge waiver on transactions between Rs. 200 and Rs. 5,000 per month.
• Get a 10% discount on movie ticket bookings through the BookMyShow app or website.
• Earn 1 EDGE reward point on every Rs. 100 spent using this credit card.

This card is well-suited for individuals who frequently fuel up at IndianOil outlets, offering substantial value back, cashback, and discounts on fuel transactions and other purchases.

7. ICICI HPCL Super Saver RuPay Credit Card

The ICICI HPCL Super Saver RuPay Select Credit Card, with a joining and annual fee of Rs. 500, is specifically tailored for individuals who frequently refuel at HPCL outlets. It offers substantial savings on fuel expenses along with accelerated rewards on everyday purchases. Here are the key features of this credit card:

Features of ICICI HPCL Super Saver RuPay Select Credit Card:

• Earn 2,000 reward points on spending at least Rs. 5,000 within 45 days of card issuance.
• Get Rs. 100 cashback on recharge transactions of at least Rs. 1,000 through the HP Pay app.
• Enjoy 4% cashback of up to Rs. 200 per month on fuel purchases at HPCL pumps.
• Earn 5% back as reward points on grocery, departmental store, and utility bill spends.
• Earn 2 reward points for every Rs. 100 spent on retail purchases.
• Receive an additional 1.5% savings as 6 points per Rs. 100 spent on fuel at HPCL outlets when paying via the HP Pay app.
• Avail 1% cashback on fuel surcharge applicable on all fuel spends of up to Rs. 4,000.
• Get 25% off on booking at least 2 movie tickets on BookMyShow and INOX.
• Receive 1 complimentary domestic airport lounge access per quarter on spending Rs. 5,000 in the previous calendar quarter.

This card is ideal for individuals who primarily fuel up at HPCL outlets, offering significant savings and rewards not only on fuel purchases but also on everyday expenses like groceries and utility bills. Additionally, the cashback, discounts, and complimentary airport lounge access enhance its value proposition for cardholders.

8. Axis Bank Ace RuPay Credit Card: 

This card has no joining fee or annual fee and offers 2% cashback on all spends, making it a good choice for those who want a simple and affordable rewards card.

Features of Axis Bank Ace RuPay Credit Card:

• 5% Cashback on: Bill payments (electricity, internet, gas, etc.), DTH and mobile recharges made through Google Pay.
• 5% Cashback on: Purchases at BigBasket and Grofers (valid until December 31, 2020).
• 4% Cashback on: Orders placed on Swiggy, Zomato, and rides taken with Ola.
• 2% Cashback on: All other expenses, excluding fuel, EMI payments, and wallet loads.
• Lounge Access: Enjoy 4 complimentary lounge accesses per year.

9. HDFC Bank RuPay Moneyback+ Credit Card:

The HDFC Moneyback+ Credit Card represents an advancement over the standard Moneyback Card, offering enhanced benefits through reward points across various categories. Cardholders can earn bonus points on purchases from leading brands like Amazon, Flipkart, BigBasket, Swiggy, and others. Additionally, unlike typical entry-level cards, the Moneyback+ provides extra rewards on EMI transactions, making it a viable option for larger purchases. Here’s a comprehensive overview of the card to help you decide if it aligns with your requirements.

Features of HDFC Moneyback+ Credit Card:

• 10X CashPoints on: Amazon, BigBasket, Flipkart, Reliance Smart Super Store, and Swiggy purchases.
• 5X CashPoints on: EMI spends at select merchant locations.
• 2 CashPoints per ₹150 spent on: All other transactions excluding fuel, wallet loads/prepaid card loads, and voucher purchases.
• ₹500 gift voucher: Earned on spends of ₹50,000 per calendar quarter.
• Upto 15% off: At 2000+ premium restaurants in select cities.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions, with a minimum transaction of ₹400, maximum transaction of ₹5,000, and a maximum waiver of ₹250 per statement cycle.
• Welcome/Renewal Benefit: 500 Cash Points: Applicable only on payment of membership fee.
• Quarterly Spend based benefit: Gift Voucher: Receive a gift voucher worth ₹500 on spends of ₹50,000 & above every calendar quarter. Earn up to ₹2,000 worth of gift vouchers in a year.
• Renewal Offer: Renewal membership fee waived off: Spend ₹50,000 and above in an annual year to get the renewal membership fee waived off.