List of Best RuPay Credit Card – 2026

Here is the list of the best RuPay credit cards in 2026 in India: 

Kiwi Yes Bank RuPay Credit Card

Key USPs

• Rs. 100 cashback upon joining.
• 1% cashback on all scan and pay transactions.
• 1.5% cashback on UPI Scan & Pay.
• 5% cashback on UPI transactions after hitting an annual milestone spend of Rs. 1.5 Lakhs.
• Enjoy lounge access upon achieving spending milestones of Rs. 50,000, Rs. 1 Lakh, and Rs. 1.5 Lakhs annually.

Pros

• No joining and annual fees, instant issuance of a virtual card, and an optional Neon membership for a Rs. 999/year fee.

Cons

• Limited cashback with capping, a high APR of around 52.86%, and requires at least 500 Kiwis for redemption.

Why Kiwi Yes Bank RuPay Credit Card? 

• It is a lifetime free virtual credit card for frequent UPI users, offering instant cashback on all transactions. This card is ideal for your daily, small amount, QR payments via the Kiwi app.

HDFC Tata Neu Infinity Rupay Credit Card

Key USPs

• 5% back as NeuCoins on non-EMI Tata Neu & partner Tata brand spends.
• 1.5% back as NeuCoins on eligible non-Tata brand & any merchant EMI spends.
• 1,499 NeuCoins on the Tata Neu app as a reversal of the first-year membership fee.
• 1 complimentary lounge access per calendar quarter, outside India.
• Accidental air death cover worth Rs. 1 Crore.

Pros

• Zero joining fee, annual fee waiver on spending Rs. 3 Lakhs or more per year, low forex markup of 2%, complimentary domestic & international lounge access, and extraordinary cashback.

Cons

• High annual fee if the waiver condition is not met, limited redemption, and monthly capping on earned rewards.

Why HDFC Tata Neu Infinity Rupay Credit Card? 

• This is a premium co-branded credit card that offers high value back on Tata brands and 1.5% on other spends, including UPI. This is an ideal card for those who are regular consumers of Tata services and want high rewards and lounge access.

SBI Tata Neu Infinity Rupay Credit Card

Key USPs

• 1,499 NeuCoins as a welcome benefit, after joining fee realisation.
• 5% value back as NeuCoins on spending at the Tata Neu app/ website & partner Tata brands.
• 8 domestic airport lounge access per year on spending Rs. 75,000 in the previous quarter.
• Complimentary Priority Pass Program membership worth $99.
• 4 complimentary international airport lounge access per year.

Pros

• Welcome benefit, value back as NeuCoins on most spends, 8 domestic & 4 international complimentary airport lounge access per year, complimentary Priority Pass Program membership worth $99, and a low forex markup of 1.99%.

Cons

• High annual fee if the waiver condition is not met, limited redemption, no rewards on fuel and rent payments, and a monthly capping off 500 on earned rewards.

Why SBI Tata Neu Infinity Rupay Credit Card?

• The SBI Tata Neu Infinity RuPay Card is a premium co-branded card that offers 5% back as NeuCoins on Tata brand/ app purchases & 1.5% on other spending. The card also provides 8 domestic and 4 international lounge visits per year, a low forex markup of 1.99%, and an annual fee waiver.

Axis Bank SuperMoney RuPay Credit Card

Key USPs

• 3% cashback on transactions via the SuperMoney app.
• 1% cashback on all other eligible spends.
• 1% fuel surcharge waiver.
• Facility to get a credit card against a fixed deposit.

Pros

• High cashback on UPI spends, zero joining and annual fees, direct cashback, and 1% fuel surcharge waiver. 

Cons

• Monthly capping on cashback, no rewards on fuel/ jewellery/ rent/ wallets/ government services, and no additional lifestyle perks. 

Why Axis Bank SuperMoney RuPay Credit Card?

• This lifetime-free RuPay credit card comes in secured as well as unsecured variants, and mainly targets high UPI spenders with instant 3% cashback on UPI transactions via the SuperMoney app. 

Yes Bank POP-CLUB Credit Card

Key USPs

• 500 Bonus POP Coins on card activation.
• 1500 POP Coins on crossing the milestone spends of Rs. 1.5 Lakhs.
• 10 POP Coins per Rs. 100 spent on online transactions.
• 2 POP Coins per Rs. 100 on other transactions.
• 3-month Zomato Gold Mini membership, 6-month PharmEasy Plus membership, and a Cleartrip voucher worth Rs. 750 as joining benefits.

Pros

• High rewards for online transactions, rewards for milestone spends, and attractive welcome benefits of 3-month Zomato Gold Mini & 6-month PharmEasy Plus memberships with a Cleartrip voucher worth Rs. 750.

Cons

• An annual fee of Rs. 399 + taxes is charged if the customer doesn’t spend Rs. 1.5 Lakhs annually, no complimentary lounge access, and existing YES Bank cardholders are not eligible.

Why Yes Bank POP-CLUB Credit Card?

• This digital-first RuPay-enabled card is designed for high rewards on online spends, a 3-month Zomato Gold membership, a 6-month PharmEasy Plus membership, a Cleartrip voucher worth Rs. 750, and 1% fuel surcharge waiver at zero joining fee. 

Jupiter Edge+ RuPay Credit Card

Key USPs

• 10% cashback on shopping with TataCLiQ, AJIO, Amazon, Flipkart, Myntra, Nykaa, and other top brands.
• 5% cashback on travel bookings through MakeMyTrip, Yatra, EaseMyTrip, and Cleartrip.
• Cashback will be credited as Jewels; 5 Jewels = Rs. 1.
• Scan & Pay any QR to make UPI payments using the card.
• Convert UPI and credit card spends into EMIs starting at just 1.33% interest.

Pros

• High accelerated cashback on partner spends, facility to convert your UPI & credit card spends into EMIs, and 1% fuel surcharge waiver.

Cons

• Monthly cap of Rs. 3,000 on cashback, cashback on limited brands, and limited use outside India as a RuPay card.

Why Jupiter Edge+ RuPay Credit Card?

• This card offers accelerated cashback up to 10% on wishlist brands & 5% on travel. If you love shopping frequently on specific partner brands, this is the best card for you. 

HDFC Bank UPI RuPay Credit Card

Key USPs

• 3% Cashpoints on dining, groceries, supermarket spends, and PayZapp transactions. 
• 2% Cashpoints on utility payments.
• 1% Cashpoint on other spends (excluding certain categories).
• A maximum of 500 Cashpoints can be earned in a calendar month.
• Zero fuel surcharge.

Pros

• 3% Cashpoints on certain spends, 2% Cashpoints on utility payments, 1% Cashpoint on other spends, and 1% fuel surcharge waiver.

Cons

• Monthly cap of Rs. 500 on cashback, cashback not available on some categories, and no lifestyle perks.

Why HDFC Bank UPI RuPay Credit Card?

• This virtual RuPay card is designed for seamless UPI transactions by linking it to UPI apps. It offers up to 3% CashPoints on groceries/dining/supermarket/PayZapp, 2% on utilities, and 1% on other categories, with a nominal joining and annual fee which can be waived. 

Airtel Axis Bank Credit Card

Key USPs

• Amazon e-voucher worth Rs. 500 as a welcome benefit on making the first transaction within 30 days of card issuance.
• 25% cashback (maximum Rs. 250 per statement cycle) on Airtel Mobile, WiFi, Broadband, and DTH bill payments via the Airtel Thanks app.
• 10% cashback (maximum Rs. 250 per statement cycle) on utility bill payments through the Airtel Thanks app. 
• 4 complimentary lounge visits per year at select domestic airports on minimum spends of Rs. 50,000 in the previous 3 months.
• Up to 20% off on dining at partner restaurants in India.

Pros

• Amazon e-voucher worth Rs. 500, high cashback on spending made through the Airtel Thanks app, 4 complimentary domestic lounge visits per year, 1% fuel surcharge waiver, and up to 20% off on dining at partner restaurants in India.

Cons

• Monthly limits on accelerated categories, suitable only for those spending significantly on Airtel services and grocery apps, and no cashback on fuel.

Why Airtel Axis Bank Credit Card?

• It is a highly rewarding co-branded credit card for those who spend the most on utility bills and food delivery apps. That card offers up to 25% cashback on Airtel services, 10% on Swiggy/ Zomato/ BigBasket/ utility bills via the Airtel Thanks App, and 4 complimentary domestic lounge visits per year. 

IndusInd Bank Platinum RuPay Credit Card

Key USPs

• 2 reward points on every transaction of Rs. 100 through UPI.
• 1 reward point for every Rs. 100 spent on non-UPI transactions.
• Earn Rs. 0.70 for every Rs. 100 spent on select merchant categories. 
• Link your card to popular UPI apps for seamless digital payment.
• Travel insurance cover of Rs. 2.25 Lakhs. 

 Pros

• Lifetime free card, reward points on all UPI & non-UPI transactions, travel insurance cover, and 1% fuel surcharge waiver.

Cons

• Low reward points, no additional lifestyle benefits, good for domestic use, and no welcome benefits.

Why IndusInd Bank Platinum RuPay Credit Card?

• This card does not involve any joining or annual fee and lets you earn reward points for all your UPI and non-UPI spends. It also gives you Rs. 0.70 for every Rs. 100 spent on select merchant categories, a travel insurance cover of Rs. 2.25 Lakhs, and 1% fuel surcharge waiver.

AU InstaPay RuPay Credit Card

Key USPs

• 1% cashback on UPI transactions on dining, departmental stores, pharmacy, grocery, and supermarkets.
• 1% fuel surcharge waiver.
• Scan & Pay on any merchant QR Code.
• 50-day interest-free window.

Pros

• No joining or annual fees, 1% cashback on dining/ departmental stores/ pharmacy/ grocery/ supermarkets, and 1% surcharge waiver.

Cons

• Cashback is limited to Rs. 100 per month, high finance charges of 3.75% p.m., no complimentary airport lounges, and no high-end lifestyle benefits.

Why AU InstaPay RuPay Credit Card?

• This lifetime-free, virtual-first credit card is designed for UPI transactions, offering 1% cashback on your daily dining/ departmental stores/ pharmacy/ grocery/ supermarkets spends. It enables seamless QR code payments and also features a 1% fuel surcharge waiver. 

A UPI RuPay Credit Card is a type of credit card that enables you to use the RuPay network for UPI transactions and other payments. These cards offer benefits such as rewards or cashback, making them a popular choice for first-time credit users or those looking for basic, minimal-fee cards.

The key benefits of a Rupay Credit Card are as follows:

• No joining and annual fees are involved in the lifetime free variants.
• Cashback/ Reward Points on most UPI transactions and some non-UPI spends as well.
• Easy UPI integration.
• Easy EMI conversion.
• Instant online payments.
• Benefits across multiple categories, including shopping, travel, dining, entertainment, etc.
• Complimentary lounge visits offered by some RuPay cards.
• Great for beginners to help them construct their credit history.
• Rupay operates consistently over household ATMs, PoS terminals, and e-commerce platforms.
• Basic eligibility criteria.

• Rewards on UPI spends: RuPay cards can be linked to popular UPI apps to scan QR codes for payment. Check if your preferred card offers accelerated cashback or rewards on UPI transactions.
• Minimum transaction limit: Check if the card has any minimum transaction limit for earning r rewards on UPI transactions.
• Reward type: Check if the card offers direct cashback or reward points.
• Charges: There are many lifetime free RuPay credit cards available in the market, making them good for beginners.
• Interest rates: Compare the Annual Percentage Rate (APR) of the cards. 
• Spending habits & category benefits: Check if the card offers fuel savings in the form of 1% fuel surcharge waiver or accelerated rewards on fuel, higher rewards on certain categories like dining/ grocery/ other daily essentials, or any brand-specific benefits.
• Airport lounge access: Many RuPay cards offer complimentary domestic and/ or international airport lounge access.
• Milestone rewards: Some cards offer vouchers or reward points for crossing a specific spending milestone. 
• Eligibility: Check the eligibility criteria of the preferred card and see if you meet them.

• Open any UPI app: Download and open UPI apps on your smartphone, like Paytm, Google Pay, PhonePe, or BHIM.
• Go to settings: Navigate to your profile section/ settings on the app and select Add Bank Account/ Add Credit Card/ Link RuPay Credit Card option.
• Choose your bank: Select your bank name from the given list.
• Verify card: The app will automatically fetch your card details, which you will have to verify using your card’s last 6 digits and expiry date.
• Set a UPI PIN: Authenticate with an OTP received on your registered mobile number and then set a 6-digit UPI PIN. 
• Scan & pay: Scan any merchant UPI QR code, enter the amount, select your RuPay Credit Card, and then enter the UPI PIN for making an instant payment.