RuPay credit cards are increasingly gaining popularity in the Indian credit card market with the Reserve Bank of India directing all scheduled commercial banks to avoid exclusive partnerships with other payment networks including Visa, MasterCard, American Express and Diners Club. 


What Is A RuPay Credit Card?

A RuPay credit card is similar to other credit cards, the only difference lies in the payment network. RuPay is a homegrown payment network developed under the supervision of National Payments Corporation of India (NPCI).
RuPay credit cards are becoming one of the top choices for credit card applicants as card members can seamlessly process UPI payments to merchants directly from the RuPay credit card without incurring any transaction charges.

Top 25 RuPay Credit Cards In India In 2024

RuPay Credit Cards in 2024Best FeaturesAnnual Fee/Joining Fee
HDFC RuPay Shoppers Stop Credit Card

1. Earn 3% reward points on every SS Spends, while other spends qualify for 1% reward points. 

2. Maximum cashback is limited to Rs 500 for SS brands and Rs 1,000 per month for other spends.

3. A Rs 500 SS voucher is provided, redeemable with any bill and earn Rs 500 per month on minimum purchase of Rs 15,000 on SS brands over the weekend.

Rs 299 + GST
IndianOil HDFC Bank Credit Card

1. You can earn up to 50 litres of free fuel in a calendar year by redeeming fuel points at IndianOil outlets.

2. A card member can earn 5% fuel points on spends at IndianOil, groceries & bill payments.

3. Enjoy 1% fuel surcharge waiver across all refuelling stations in India. Maximum cashback capped at Rs 250 per statement.

Rs 500 + GST
IRCTC HDFC Bank RuPay Credit Card

1. IRCTC & Rail Connect transactions can fetch you 5 rewards points, other spends are eligible for 1 reward point.

2. Enjoy 8 free visits to IRCTC executive lounges in a calendar year, 2 each quarter and earn additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.

3. Make 1 transaction within the first 37 days of card issuance, earn a welcome gift of Rs 500. Enjoy 1% transaction charges waiver on IRCTC & Rail Connect transactions.

Rs 500 + GST
HDFC Freedom RuPay Credit Card

1. You can earn 10X cashpoints by spending on Uber, Oyo, BookMyShow, Big Basket and Swiggy.

2. EMI spends at merchant locations also qualify for accelerated cashpoints. 5X cashpoints are accrued for all EMI conversions at point of sale.

3. You can avail discounts of up to 20% on dining at partner restaurants via Swiggy Dineout.

Rs 500 + GST
HDFC MoneyBack+ RuPay Credit Card

1. You can earn as much as 10X cashpoints on spends at merchants including Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy, alongside 5X CashPoints on EMI spends at point of sale.

2. Other categories excluding & voucher purchases, fuel purchases & wallets top-ups are eligible for 2 cashpoints per Rs 150 spent.

3. HDFC Bank offers a gift voucher of Rs 500 on crossing a spend of Rs 50,000 per calendar quarter.

Rs 500 + GST
Tata Neu Infinity HDFC Bank Credit Card

1. All non-EMI spends on Tata brands including IHCL, Air India, Titan, Tanishq, Big Basket, Croma, Westside, Air India Express, Tata 1MG, Tata Cliq, Tata Play, Tata Pay, Cult and Qmin are eligible for 5% back as NeuCoins.

2. UPI spends on Tata brands, non-Tata brands and EMI transactions with other merchants are qualified for 1.5% back as NeuCoins.

3. An additional 5% back as NeuCoins is available on selected merchant categories on Tata Neu application/website, post successful registration of Tata NeuPass.

Rs 1,499 + GST
HDFC Bank UPI RuPay Credit Card

1. HDFC UPI RuPay credit card offers 3% cashpoints on categories including groceries, dine-in, supermarket & PayZapp transactions with an upper limit of 500 points in a month.

2. Utility spends qualify for 2% cashpoint up to a maximum of 500 points in a month

3. All other spend categories excluding wallet top-ups, fuel purchases, insurance premium payments, EMI conversions, rent payments & government-related categories earn 1% cashpoints up to a maximum of 500 points in a month.

Rs 500 + GST
IRCTC SBI RuPay Credit Card

1. Earn up to 10% of the transaction value as reward points on purchasing tickets through www.irctc.co.in & irctc mobile application. 

2. Card members can save 1% in transaction charges on railway ticket bookings through www.irctc.co.in. 

3. You can enjoy 4 complimentary visits to railway lounges in a calendar year, subject to a limit of one visit per quarter.

Rs 500 + GST
Shaurya SBI RuPay Card

1. Card members can earn 5X reward points on spends at CSD, dining, movies, departmental stores and groceries. 

2. A complimentary personal accident insurance cover of Rs 2 lakh is offered to primary card members. 

3. Transactions on other categories qualify for 1 reward point per Rs 100 spent.

Rs 250 + GST
Shaurya Select SBI RuPay Card

1. For every Rs 100 spent dining, movies, departmental stores & groceries including CSD, you can earn 10 reward points. 

2. You can avail a complimentary personal accidental insurance cover of Rs 10 lakh. 

3. You can get Pizza Hut e-vouchers worth Rs. 500 on achieving spends of Rs 50,000 in a calendar quarter and e-Gift voucher worth Rs 7,000 from Yatra or Pantaloons on achieving annual spends of Rs 5 Lakh.

Rs 1,499 + GST
SimplySave SBI RuPay Card

1. Every Rs 150 spent on dining, departmental stores, movies and groceries is eligible for 10 reward points. 

2. Other transactions qualify 1 reward point per Rs 150 spent.

3. Card members can earn 2,000 bonus reward points on successful spends of Rs 2,000 and above in the first 60 days of card issuance.

Rs 499 + GST
Yatra SBI Credit Card

1. You can earn Yatra.com vouchers worth Rs 8,250 on payment of 1st year annual fee. 

2. Get Rs 1,000 off on domestic flights, Rs 4,000 off on international flights and 20% off on domestic hotels. 

3. For every Rs 100 spent on groceries, dining, movies, entertainment and departmental stores, you can earn 6 Reward Points.

Rs 499 + GST
ICICI Bank HPCL Super Saver RuPay Credit Card

1. Card members can earn 1.5% value back in reward points on all fuel purchases through HP Pay app at HPCL outlets. 

2. You can get 2,000 rewards points as joining benefit on card activation & fee payment and Rs 100 cash back on HP Pay app. 

3. Earn 5% value back on utility, grocery and department store spends & 25% discount on movie ticket bookings.

Rs 500 + GST
ICICI Rubyx RuPay Credit Card

1. Get vouchers worth Rs 5,250 Tata CliQ, EaseMyTrip, Uber and Croma on payment of joining fee. 

2. You can earn up to 15,000 reward points every anniversary year. 

3. Get 2 complimentary rounds of golf per month, one round is awarded on successful spends of Rs 50,000 in the preceding month.

Rs 3,000 + GST
ICICI Coral RuPay Credit Card

1. For every Rs 100 spent (except fuel), you can earn 2 reward points, 1 reward point on utilities and insurance. 

2. Get 1 complimentary visit to domestic airport lounge & 1 to railway lounge per quarter. 

3. Card members can avail 25% discount up to Rs 100 on Bookmyshow & Inox.

Rs 500 + GST
Axis IOCL RuPay Credit Card

1. You can earn 100% cashback up to Rs 250 on first fuel transaction within first 30 days. 

2. Card members can earn 4% value back on fuel purchases at IOCL outlets for all transactions between Rs 100 and Rs 5,000. 

3. Get 10% discount on movie ticket via Bookmyshow and 1% fuel surcharge waiver for transactions between Rs 200 and Rs 5,000.

Rs 500 + GST
Kotak IOCL RuPay Credit Card

1. Save 5% on fuel purchases via IOCL and earn 2% value back as reward points on grocery & dining spends.

2. Card members can enjoy 1,000 reward points as welcome gift on spending a minimum of Rs 500 within first 30 days of card issuance.

3. A 1% fuel surcharge waiver is provided on all IOCL transactions between Rs 100 and Rs 5,000 with maximum surcharge capped at Rs 100 per statement.

Rs 449 + GST
Kotak Metro Cash & Carry

1. You can save up to 1% on Metro Wholesale purchases, the maximum savings are capped at Rs 10,000 per statement cycle. 

2. Cashback is proportional to monthly purchases as spends between Rs 10,001 ad Rs 30,000 are eligible for 0.25%, spends between Rs 30,001 and Rs 5 lakh are qualified for 0.50%, while monthly spends over Rs 5 lakh are entitled for 1% cashback. 

3. A Rs 500 cashback is awarded to all card members on performing a transaction of Rs 10,000 in a day within first 30 days of credit card issuance.

Kotak League RuPay Credit Card

1. A card member can earn 8 reward points for every Rs 150 spent and railway ticket booking surcharge waivers of up to Rs 500 in a calendar year. 

2. A welcome gift of 5,000 reward points worth Rs 500 is provided on successful realisation of joining fee. 

3. You can claim 4 free PVR tickets or 10,000 reward points on spending Rs 1.25 lakh in every 6 months.

Rs 499 + GST
Kotak Mojo RuPay Credit Card

1. You can earn unlimited 2.5 Mojo points for every Rs 100 spent at online platforms and 2,500 Mojo points are awarded every quarter on spending Rs 75,000. 

2. Card members can enjoy 8 complimentary visits to DreamFolks airport lounges in India, 2 per quarter. 

3. Enjoy 1% fuel surcharge waiver up to Rs 3,500 for transactions between Rs 500 & Rs 3,000 and railway surcharge waiver up to Rs 500 in a calendar year.

Rs 1,000 + GST
IndusInd Platinum RuPay Credit Card

1. For every Rs 100 spent, you can earn 2 reward points for UPI transactions and 1 reward point for non-UPI transactions. 

2. You can get various covers with the card including lost baggage of up to Rs 1 lakh, loss of passport of up to Rs 50,000, and a cover of up to Rs 25,000 each for delayed baggage, missed connecting flight and lost ticket. 

3. The card also offers a 1% fuel surcharge waiver with no upper limit for all transactions between Rs 400 and Rs 4,000 at all petrol pumps in India.

Lifetime Free Credit Card
IndusInd Samman RuPay Credit Card

1. You can earn 1% cashback on all retail spends capped at Rs 200 per statement cycle and 1% waiver on railway surcharge on transactions up to Rs 5,000. 

2. Card members are entitled for a complimentary movie ticket of up to Rs 200 through BookMyShow, twice in a calendar year. 

3. There is no cash advance fee associated with IndusInd Bank Samman RuPay credit card and only government employees are eligible for it.

IDFC First Power Rupay Select Credit Card

1. You can save 5% per month on fuel transactions, 2.5% each on groceries, utility expenses and IDFC FASTag recharges. 

2. A welcome benefit of Rs 250 is awarded on first fuel transaction of Rs 250 or more at HPCL pumps and 5% cashback of up to Rs 1,000 on first EMI conversion within first 30 days of card issuance. 

3. For every Rs 150 spent, you can earn 15X reward points on HPCL fuel purchases, groceries, utility payments and IDFC FASTag recharges and 2X on other transactions.

Rs 199 + GST
IDFC First Power Plus Rupay Select Credit Card

1. You can save 6.5% per month on fuel transactions, 5% each on groceries, utility expenses and IDFC FASTag recharges. 

2. A welcome benefit of Rs 500 is awarded on first fuel transaction of Rs 500 or more at HPCL pumps and 5% cashback of up to Rs 1,000 on first EMI conversion within first 30 days of card issuance. 

3. For every Rs 150 spent, you can earn 24X reward points on HPCL fuel purchases, 30X on groceries, utility bill payments and IDFC FASTag recharges and 3X on other transactions.

Rs 499 + GST
Federal Bank RuPay Signet Credit Card

1. Enjoy a Rs 200 Amazon Pay e-voucher as welcome gift on spending a minimum of Rs 3,000 in the first 30 days of card activation.

2. Card members can get complimentary Swiggy vouchers on achieving a quarterly spend of Rs 20,000 and buy one get one at INOX theatres, once in a calendar quarter.

3. You get a discounted annual percentage rate (APR) starting from 0.69% per month or 8.28% p.a. and a complimentary visit to domestic airport lounges in a quarter.

Lifetime Free Credit Card

Unique Features & Benefits Of RuPay Credit Cards

  • Zero-Fee UPI Transactions: This is the formidable feature of a RuPay credit card as card members can effortlessly pay directly from the credit card through UPI network to all merchants without incurring any additional costs. Credit cards issued on Visa, MasterCard, American Express and Diners Club payment networks don’t offer the facility of no-cost UPI transactions. With the increasing adoption of RuPay-based credit cards in India, the NPCI and the RBI are collectively pushing to enlarge the base of digital transactions.
  • Low-Cost Maintenance: Most RuPay credit cards come with nominal annual/renewal fees, except three-four cards that command an annual fee of more than Rs 500, excluding the applicable GST. Therefore, it becomes easier for the end consumer to procure and maintain a RuPay credit card as it offers a kind of double bonanza wherein the annual fee remains lower and UPI transactions don’t attract any charges. Furthermore, almost all of the RuPay credit cards have the option of annual/renewal fee waivers.
  • More Suitable for Indians: RuPay credit cards can be better alternatives to widely-used Visa and MasterCard as banks are no longer required to rely on other international platforms for issuing credit, debit and prepaid cards. Lower cost of maintenance provides a win-win for banks, as well as consumers. NPCI is aggressively expanding the footprint of RuPay which can further the outreach and acceptability of RuPay cards across the globe.

How To Apply For A RuPay Credit Card?

You can apply for a RuPay credit card that fits your needs and requirements from MyMoneyMantra. Before applying for any RuPay credit card, you can compare the fee structures and benefits on MyMoneyMantra. 

Step 1: Click on the ‘Apply Now’ button appearing at the top on RuPay credit cards page. 

Step 2: Enter basic personal details such as name, phone number, email address and residential pin code. 

Step 3: Read & accept the privacy policy and allow MyMoneyMantra to send messages on WhatsApp. 

Step 4: Click on ‘Apply Now’. 

Sit back and relax. A representative from MyMoneyMantra will contact you with the best RuPay credit card offers available.

Eligibility Conditions For RuPay Credit Cards

The eligibility criteria for RuPay credit cards is largely similar to other credit cards. There is no exceptional requirement other than fulfilling the age bracket, residential status, credit score, income levels, status of employment, etc. 

  • Age of Applicant: The age of the RuPay credit card applicant should be typically between 21 to 65 years. Some lenders may agree to issue a credit card to individuals below the age of 21 years, provided they showcase a healthy credit score, active status of employment and income range above the minimum threshold.
  • Residential status: All Indian residents are eligible to apply and obtain a RuPay credit card. However, some lenders may have little restrictions with regard to serviceability of several PIN codes. Before applying for a credit card, you should ensure that at least one branch of the lender is easily accessible from your residence.
  • Status of Employment: All credit card issuers demand active status of employment for salaried individuals. In case you are a self-employed professional or business person, you have to showcase active income or active trading history for the corporate entity you’re associated with.
  • Minimum Income Requirement: The minimum income required to obtain a credit card is Rs 15,000 a month. This is only an indicative figure. The minimum income requirement can vary from bank to bank and on the basis of different RuPay credit card types.
  • Credit Score: The credit score of the applicant should be above 750. People with no history of credit or damaged credit scores may find it a little difficult to obtain a RuPay credit card. A credit score above the level of 650 is also permissible, given the stable status of employment, earnings and low debt-to-income ratio.

Documents Required For RuPay Credit Cards

  • Photographs: A couple of passport size photographs will be required to complete the credit card application. A selfie will suffice if the bank has an end-to-end digital credit card application process. 
  • PAN Card: A copy of PAN Card can be submitted for verification.
  • ID Proof: An applicant can submit a passport, or an Aadhaar card, or a Voter’s ID card, or a driving licence, etc to validate the identity.
  • Address Proof: An applicant can furnish a passport, or an Aadhaar card, or a voter’s ID card, or statement of bank account, or a telephone bill, or a electricity bill, or a ration card, or rental agreement, etc to validate the residential address.
  • Income Proof: A copy of latest ITR, or recent bank statements, or salary slips or a copy of Form 16 can be submitted to verify the income.


Where can RuPay Cards be used?


Customers can use RuPay cards on any ATM machine, POS systems and E-commerce websites in India. In case of international transactions, RuPay cards can be used in ATMs, POS machines and Ecommerce websites that have enabled the Discover Financial Service Feature.

Can the card be used immediately after I receive it?


No. Most credit cards are sent to customers in a deactivated state. This will be indicated with a sticker that is applied on the card. Customers must activate the card as per the guidelines of the issuing bank in order to start using it for different transactions. The common methods of activating a card are at the ATM of the issuing bank, by conducting any PIN based transactions or by calling customer care.

How is the credit limit on my RuPay card determined?


The credit limit provided on your RuPay card is subject to the discretion of the issuing bank. The credit limit is based on the repayment capacity of the customer and is usually determined by the income and the credit score. The higher the credit score and the income, the higher is the credit limit offered to the customer by the issuing bank. Based on the repayments made and the relationship with the issuing bank, the customer can extend the credit limit in the future.

What is an EMV Chip Card?


A chip card comes with a microchip which contains all the data pertaining to the account of the card holder. These cards require a PIN number unlike magnetic strip cards that could be authenticated with the signature of the customer. The PIN number is a unique code that provides you with an additional security layer to ensure that the cad is not used for any fraudulent transactions.

What should I do in case of fraudulent activity on my RuPay card?


The first step is to call the customer care of your issuing bank and block the card. Then, you can dispute the unauthorized transactions that have been made on your card. Usually, the disputed amount is blocked on the card until it is resolved and the customer is not liable to make any payments until such time. With most banks, customers have zero lost card liability provided that they report the lost or stolen card within the time stipulated by the issuing bank. You can also get insurance coverage for such transactions.