Best Rupay Credit Card
Mastercard and Visa are the common payment networks available, mostly seen on debit and credit cards. Both are international payment networks widely accepted across the globe. To create an alternative to these payment methods, the Rupay payment platform was launched in India by the National Payments Corporation of India (NPCI) in March 2012. The primary objective of the Rupay payment platform is to create a domestic payment method to reduce the dependency on international payment networks.
What is a RuPay Card?
A RuPay Card is a debit or credit card issued by Indian banks that operates on the RuPay payment network. The name "RuPay" came from the combination of two words "Rupee" and "Payment." Thus Rupay Card can be any variant of card offered by any Indian Bank that can have its own rewards and benefits as declared by the card issuer Bank but will be on the Rupay network just like Visa or Mastercard.
As Rupay cards work on the Indian payment network, they offer attractive benefits and rewards and the Issuer Bank can offer your choice of Payment network while issuing a card.
Variants of RuPay Cards
Initially introduced as debit and prepaid cards, RuPay expanded into the credit card market in June 2017. Today, it offers three types of cards:
- RuPay Credit Cards
- RuPay Debit Cards
- RuPay Prepaid Cards
10 Best Rupay Credit Cards in India for Arpil 2025
Tata Neu Plus HDFC Bank Credit Card
- Joining fee: ₹499
- Annual/Renewal Fee: ₹499 (Annual fee waiver on annual spends of ₹1 lakh)
- 7% NeuCoins on Tata Neu (Including 5% NeuCoins with NeuPass membership)
- 2% NeuCoins at Partner Tata Brands (Online & in-store purchases)*
- Partner Tata Brands – bigbasket, Croma, Tata 1mg, Air Asia, Tata CliQ, Westside, Taj Hotels, Vivanta Hotels, Ginger Hotels, Qmin, Tata Play, Tata Pay, Cult (Cultfit, Curefit), Titan, Tanishq
- 2% NeuCoins on bill payment & recharges through Tata Neu
- 1% NeuCoins on other Non-UPI spends W.e.f. 01-Aug-24, earn up to 1% back as NeuCoins on eligible UPI spends
- Redeem Neucoins (1 NeuCoin = ₹1) for purchases at Partner Brands
- Complimentary lounge access - 1 per quarter at Domestic airport lounges
- 1% fuel surcharge waiver
- Welcome benefit of 499 NeuCoins (applicable only on paid card)
Airtel Axis Bank RuPay Credit Card
- Joining fee: ₹500
- Annual/Renewal Fee: ₹500 (Annual fee waiver on annual spends of ₹2 lakh)
- 25% cashback on Airtel Mobile, Broadband, Wi-Fi and DTH bill payments via Airtel Thanks App (Max Cap of ₹250 per STMT)
- 10% cashback on utility bill payments such as gas, electricity, etc., via Airtel Thanks App (Max Cap of ₹250 per Statement)
- 10 % cashback on Swiggy, Zomato & Bigbasket (Max Cap of ₹500 per Statement)
- 1% cashback on all other spends including UPI*
Tata Neu Infinity HDFC Bank Credit Card
- Joining fee: ₹1499
- Annual/Renewal Fee: ₹1499 (Annual fee waiver on annual spends of ₹3 lakh)
- 10% NeuCoins on Tata Neu (Including 5% NeuCoins with NeuPass membership)
- 5% NeuCoins at Partner Tata Brands (Online & in-store purchases)*
- Partner Tata Brands – bigbasket, Croma, Tata 1mg, Air Asia, Tata CliQ, Westside, Taj Hotels, Vivanta Hotels, Ginger Hotels, Qmin, Tata Play, Tata Pay, Cult (Cultfit, Curefit), Titan, Tanishq
- 5% NeuCoins on bill payment & recharges through Tata Neu
- 1.5% NeuCoins on other Non-UPI spends W.e.f. 01-Aug-24, earn up to 1.5% back as NeuCoins on eligible UPI spends.
- Redeem Neucoins (1 NeuCoin = ₹1) for purchases at Partner Brands
- Complimentary lounge access - 2 per quarter at Domestic airport lounges and 1 per year at International airport lounges
IRCTC HDFC Bank RuPay Credit Card
- Joining fee: ₹500
- Annual/Renewal Fee: ₹500 (Annual fee waiver on annual spends of ₹1.5 lakh)
- 5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App
- Reward Point for every ₹100 spent on all other spends.
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of ₹1,000 per statement cycle)
- Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- Fuel Surcharge Benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
- Redemption Benefit: The redemption against the train ticket booking at the rate of 1 Reward Point = ₹1
- Milestone Benefit: Get additional Gift voucher worth ₹500 on quarterly(every 90 days from the issuance date) spends of ₹30,000 or more.
Ixigo AU Credit Card
- Joining fee: ₹999 (At present Waived off)
- Annual/Renewal Fee: ₹999 (At present Lifetime Free)
- 10% instant discount upto INR 1000 per month on flights.
- 10% instant discount upto INR 1000 per month on hotels.
- 10% instant discount upto INR 300 per month on buses.
- Zero PG charges on train bookings twice per month.
- 0% forex markup.
- 1% fuel surcharge waiver.
- 2 railway lounge access, 2 domestic lounge access in a quarter.
- 1 international lounge access per year.
- 5 Reward Points on offline transactions.
- 10 Reward Points on online transactions.
- 20 Reward Points on train bookings on ixigo.
SuperCard Credit Card By Super.Money (Flipkart)
- Joining fee: No Joining Fee
- Annual/Renewal Fee: No Annual Fee
- This Credit card is Linked to Fixed Deposit
- 5% cashback on non-upi spends on Myntra.com, online web or app, subject to maximum of Rs 150 per statement month.
- 3% cashback on non-upi spends on Cleartrip.com, online web or app, subject to maximum of Rs 150 per statement month.
- 2% cashback on non-upi spends on Flipkart.com, web or app, subject to maximum of Rs 200 per statement month & Rs 100 per transaction.
- Total cashback across all ‘Preferred Merchants’ is subject to Rs 500 per statement
- Cardholders shall be eligible for 0.5% cashback on all non-upi credit card transactions, subject to maximum of Rs 200 per statement and other terms as defined below
- Any rewards or cashback which have been credited or debited to or from the superCard account shall be reflected on the super.money App. The Cardholder can also view the total rewards / cashback accumulated by them on the super.money App.
- Cashback shall mean money available for redemption into the cardholder’s account under the superRewards Program.
- Preferred Merchants shall include certain merchants on which the cashback earnings are defined as above
Axis Fibe RuPay Credit Card
- Joining fee: No Joining Fee
- Annual/Renewal Fee: No Annual Fee
- India’s first NUMBERLESS CARD – meaning enhanced security from card theft/loss.
- No Joining or annual Fee – enjoy all benefits of credit card at 0 cost.
- CC on UPI – Now link your Fibe Axis Bank credit card to UPI for hassel-free transactions.
- 3% cashback on online Food Delivery, online Entertainment, and local commute.
- 1% cashback on all other transaction (except for some excluded categories)
- 1% Fuel Surcharge waiver for trx between ₹400 – ₹5000. Max waiver up to ₹400/- per month
- 4 domestic lounge access (1 per quarter)
- Enjoy up to ₹500/- off on partner Restaurants via EazyDiner.
Edge CSB Bank RuPay Credit Card on UPI
- Joining fee: No Joining Fee
- Annual/Renewal Fee: No Annual Fee (Limited period offer for the first 2 lakh onboarded users)
- Up to 5% cashback on UPI-Credit Card spends on Jupiter app. Get assured cashback for all transactions
- Flat 1% on all Credit Card only transactions
- Added 1% flat cashback after reaching ₹30,000 for transactions post completing spends of ₹30,000 in a given billing cycle (both UPI & CC transaction value combined will count towards the milestone ₹30,000) . This will be credited at the end of the billing cycle.
- 1% fuel surcharge waiver (on min. transaction of ₹400 & max. transaction of ₹3,000). exclusive of GST and other charges. Get maximum waiver of ₹100 per billing cycle
Yatra SBI Card
- Joining fee: ₹499
- Annual/Renewal Fee: ₹499
- Round the year discount - ₹8,250 Off on Domestic Flights as soon as you enroll with this travel card
- 6 vouchers in a calendar year:
- ₹1,000 Off on Domestic Flight booking with min. booking amount of ₹5,000
- ₹4,000 Off on International Flight booking with min. booking amount of ₹40,000
- Flat 20% Off (Max ₹2,000) on Domestic Hotel booking with min. booking amount of ₹3,000
- 6 Reward Points on every ₹100 spent on Departmental Stores, Groceries, Dining, Movies, Entertainment and International spends.
- 1% Fuel Surcharge Waiver
- Anniversary Benefits - Get annual membership fee reversal from second year on annual spends of ₹1,00,000 in the previous year
MakeMyTrip ICICI Bank Credit Card
- Joining fee: ₹999
- Annual/Renewal Fee: ₹999
- Joining / Annual voucher worth ₹1,000
- Upto 6% myCash on MakeMyTrip bookings, over and above
the discounts on MakeMyTrip - Forex Markup of ONLY 0.99%
- MMTBLACK Gold membership
- 8 complimentary Domestic airport lounge access and
1 complimentary International airport lounge access per year - Buy 1 movie ticket and get up to ₹150 OFF on your second ticket on BookMyShow and INOX twice a month
Also Read: AU Bank Credit Card- Apply for Lifetime Free
RuPay Credit Cards and UPI Integration
To encourage broader acceptance of digital payments, the Reserve Bank of India (RBI) allowed linking RuPay Credit Cards to UPI. This means users can now use their RuPay credit card just like a bank account on UPI-enabled apps like BHIM, PhonePe, Paytm, and Google Pay (once supported by the app and issuing bank).
How RuPay Credit Cards Work
RuPay cards come with an EMV chip for added transaction security. They also include a microprocessor chip that stores cardholder information securely.
- Widely accepted at 1.5 lakh+ ATMs
- Usable at 8.75 lakh+ POS terminals
- Accepted by 10,000+ online merchants
- PIN-based authentication enhances safety for both POS and online transactions
How to Link RuPay Credit Cards with UPI
Step-by-Step Guide:
- Download and register on the BHIM app
- Choose ‘Credit Card’ as the linking option
- Select your issuing bank
- Choose the RuPay card to be linked
- Set a UPI PIN
Key Benefits of RuPay Credit Cards
For Cardholders:
- Lower transaction fees
- Fast and secure transactions with EMV chip
- Insurance cover, cashback, and reward programs
- Domestic and international usage
- UPI integration
For Card Issuers:
- Affordable processing cost
- Greater penetration in semi-urban and rural areas
- Flexible card customization
- Promotes financial inclusion
Final Thought
RuPay credit cards have rapidly grown into a trusted and competitive payment option for Indian consumers. With seamless UPI integration, low fees, and wide acceptance across the country, RuPay cards are not just a patriotic choice—they’re a smart one.
Frequently Asked Questions
Which RuPay credit card is best?
Top Rupay credit card to opt for 2025.
1. SuperCard Credit Card By Super.Money (Flipkart) lifetime free against Fixed Deposit.
2. Airtel Axis Bank RuPay Credit Card.
3. Tata Neu Infinity HDFC Bank Credit Card.
4. IRCTC HDFC Bank RuPay Credit Card.
.What are the 4 main credit cards?
The four major credit card networks at present are Mastercard, Visa, American Express and Discover. Rupay network card is also joining the list.
.Which is better RuPay or Mastercard?
Considering upon your Usage if you primarily use your card within India, RuPay may be a cost-effective choice. For frequent international travelers, Visa and Mastercard offer broader acceptance.
Disclaimer: The views and opinions expressed are solely those of the author and do not necessarily reflect the official policy or position of Finostry. The information provided in this review is for informational purposes only and should not be considered as professional advice.