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Top 10 Best RuPay Credit Cards in India
Card Name | Best Suited For | Key Highlights |
|---|---|---|
Edge CSB RuPay Credit Card | Rewards and UPI Convenience | Lifetime Free |
Bank of Baroda Premier RuPay Credit Card | Travel and dining | 5x rewards on travel and dining |
Federal Bank RuPay Signet Credit Card | Shopping | 3x rewards on electronics and apparel 2x reward points on entertainment 1x reward points on other categories |
IDFC First Power RuPay Select Credit Card | Fuel | Up to 5% savings on your fuel expenses |
IndianOil HDFC Bank Credit Card | Fuel | Earn 5% of your spends as fuel points |
Tata New Infinity HDFC Bank Credit Card | Shopping | Cashback of 10% on the Tata Neu app. |
Yatra SBI Card | Travel |
|
ICICI Coral RuPay Credit Card | Movies/Dining |
|
PNB RuPay Select Credit Card | Shopping | 2x reward points on retail merchandise |
HDFC MoneyBack plus RuPay Credit Card | Shopping |
|
10 Best RuPay Credit Cards in India
1. Edge CSB RuPay Credit Card
Joining Fee: Nil | Annual Fee: Nil
Key Features and Benefits:
- Lifetime free credit card - A limited period offer for the first two lakh onboarded users.
- Up to 5% cashback on UPI credit card spends on the Jupiter app. Assured cashback for all transactions
- Flat 1% on all credit card only transactions
- Additional 1% flat cashback after completing spends of Rs. 30,000 in a given billing cycle (The combination of both UPI and CC transaction value will contribute towards the milestone of Rs. 30,000). This will be credited at the finish of the billing cycle
- 1% fuel surcharge waiver (On least transaction of Rs. 400 and maximum transaction of Rs. 3,000). GST and other charges are not inclusive
- Get a maximum waiver of Rs. 100 per billing cycle
2. Bank of Baroda Premier RuPay Credit Card
Joining Fee: Rs. 1,000 | Renewal Fee: Rs. 1,000
Key Features and Benefits:
- Get 5x reward points on travel, dining, and international spending. Thus, for every Rs. 100 spent, you will be rewarded with 10 points
- Earn two reward points per Rs. 100 spent on other categories and one reward point per Rs. 100 spent on chosen merchant categories
- One complimentary airport lounge per calendar quarter
- 1% fuel surcharge waiver at all fuel stations for transactions between Rs. 400 and Rs. 5,000
- Annual fee reversal on spends of Rs. 1000 within the first 60 days of card issuance, and upon reaching milestone spends of Rs. 1,20,000 in a year
- Easy EMI conversion of purchases above Rs. 2,500 for a period in the range of 6 months to 36 months
3. Federal Bank RuPay Signet Credit Card
Joining Fees: Nil | Renewal Fee: Nil
Key Features and Benefits:
- Annual Percentage Rate (APR) beginning from 0.49% p.m. (5.88% p.a.)
- Earn 3x, 2x, and 1x reward points for spends on electronics and apparel, entertainment, and other categories respectively
- Get welcome benefits of an Amazon Pay e-Voucher worth Rs. 500 on minimum spends of Rs. 3,000 in the first 30 days
- Complimentary lounge access of 2 times per quarter at domestic airports and four times annually at International airports
- Buy one get one offer on INOX movie tickets once per quarter
- Complimentary Swiggy vouchers on spends of Rs.20,000 quarterly
- Dining offers providing up to 15% discounts at partner hotels via the FedDelights program
- Get access to a wide variety of RuPay offers and deals, including food, dining, travel, sports, shopping, entertainment, lifestyle and a lot more
- Personal accident insurance cover of Rs.2 Lakhs
- 24*7 concierge services
4. IDFC First Power RuPay Select Credit Card
Joining Fee: Rs. 199 | Renewal Fee: Nil
Key Features and Benefits:
- Get up to 175 litres of free fuel every year
- A cashback of Rs. 500 on 1st fuelling of HPCL and other welcome benefits worth Rs. 1650
- Savings of up to 6.5% on fuel spend
- Save 5% on grocery, utility, and IDFC Fastag recharge
- 3x rewards on other retail spends
- Airport lounge access, roadside assistance, and movie discounts
- Non-expiring reward points
- Low and dynamic interest rates begin at 9% per annum
- 0% interest on ATM cash withdrawals till the due date
- An annual fee waiver on spends of Rs. 1.5 lakhs in the anniversary year
5. Indian Oil HDFC Bank Credit Card
Joining Fee: Rs. 500 | Renewal Fee: Rs. 500
Key Features and Benefits:
- Get 5% of your spends as fuel points at IndianOil fuel outlets (You can earn up to 250 fuel points monthly for the first 6 months, after which you can earn up to 150 fuel points per month)
- Earn 5% of your grocery spends as fuel points (You can earn up to 100 fuel points monthly with a minimum transaction value of Rs. 150)
- Earn 5% of your bill payments as fuel points (You can earn up to 100 fuel points monthly with a transaction value of minimum Rs. 150)
- Get 1 fuel point per Rs. 150 spent
- Enjoy a 1% surcharge waiver on fuel purchases (Up to Rs. 250 for each billing cycle, transaction value to be minimum Rs. 400)
- Fuel points can be redeemed to get free fuel at Indian Oil outlets.
- Experience revolving credit at nominal interest rate
- Interest-free period of up to 50 days from the date of purchase (subject to the submission of the charge by the merchant)
- Fuel points are valid only for 2 years from the accumulation date. E.g., if you get reward points in Oct 2019, the expiry is in Oct 2021
- Get 50 litres of free fuel per year by just using your IndianOil HDFC Bank credit card
6. Tata Neu Infinity HDFC Bank Credit Card
Joining Fee: Rs. 1,499 | Renewal Fee: Rs. 1,499
Key Features and Benefits:
- 10% NeuCoins on Tata Neu (Inclusive of 5% NeuCoins with NeuPass membership)
- 5% NeuCoins at partner Tata brands (Online and in-store purchases) like Bigbasket, Croma, Tata 1mg, Air Asia, Tata CliQ, Taj hotels, Ginger hotels, Qmin, Tata Play, Tata Pay, Cultfit, Curefit, Titan, and Tanishq
- 5% NeuCoins on bill payments and recharges via Tata Neu
- 1.5% NeuCoins on other spends
- Redeem NeuCoins (1 NeuCoin = Rs. 1) for purchases at partner brands
- Complimentary lounge access of 2 per quarter at domestic airport lounges and 1 per year at international airport lounges
- 1% fuel surcharge waiver
- Welcome benefits of 1499 NeuCoins (Can be applied only on paid card)
- Renewal fee waiver on the least spends of Rs. 3,00,000 in the previous year
7. Yatra SBI Card
Joining Fee: Rs. 499 | Renewal Fee: Rs. 499
Key Features and Benefits:
- Discount of Rs. 8,250 all year round on domestic flights as soon as you enrol with this travel card
- 6 vouchers in a calendar year
- Rs. 1,000 off on domestic flight booking with the least booking amount of Rs. 5,000
- Rs. 4,000 off on international flight booking with the least booking amount of Rs. 40,000
- Flat 20% off (Up to a maximum of Rs. 2,000) on domestic hotel booking with the least booking amount of Rs. 3,000
- 6 reward points per Rs. 100 spent on departmental stores, groceries, dining, entertainment, and international spends
- 1% fuel surcharge waiver
- Reversal of annual membership fee from the second year on yearly spends of Rs. 1,00,000 in the previous year
8. ICICI Coral RuPay Credit Card
Joining Fee: Rs. 500 | Renewal Fee: Rs. 500
Key Features and Benefits:
- Earn 2 reward points per Rs. 100 spent on your card (Fuel not included)
- Earn 1 reward point per Rs. 100 spent in the categories of utilities and insurance
- Earn 2,000 reward points on every 2,00,000 spent
- Get 1,000 reward points for every 1 lakh spent.
- Earn up to 10,000 reward points per annum on reaching the threshold spending limit
- Enjoy One complimentary lounge access every quarter at partner domestic airports
- One complimentary domestic railway lounge visit
- Earn a discount of 25% (Up to Rs. 100) on a purchase of a minimum of two movie tickets per transaction on BookMyShow & Inox(Offer can be utilized twice in a month)
- 24*7 concierge services
- Personal accident insurance cover of Rs. 2 lakhs
- Annual fee waiver for annual spends greater than Rs. 1.5 lakhs
9. PNB RuPay Select Credit Card
Joining Fee: Rs. 500 | Annual Fee: Nil (If the card is used once in a quarter)
Key Features and Benefits:
- Earn over 300 reward points on the first utility
- 2x reward points on retail merchandise
- Complimentary domestic and international lounge access
- Exclusive cashback on utility bills, eateries, restaurants, etc.
- Comprehensive insurance coverage
- 24/7 concierge services
- More than 300 vendor partner offers
10. HDFC MoneyBack+ RuPay Credit Card
Joining Fee: Rs. 500 | Renewal Fee: Rs. 500
Key Features and Benefits:
- 10X CashPoints on shopping with Amazon, Swiggy, BigBasket , Flipkart, and Reliance Smart SuperStore.
- 5x CashPoints on spends on EMI at merchant locations.
- 2 CashPoints per Rs. 150 spent on other spends (Excluding fuel, wallet loads /prepaid card loads, and voucher purchases).
- Get a gift voucher of Rs. 500 on spends of Rs. 50,000 per calendar quarter
- Enjoy up to 20% discount via Swiggy Dineout on partner restaurants.
Disclaimer: The key benefits of the RuPay credit cards given above are as of 24/03/2024. They are subject to change according to the credit card issuer. Please refer the card’s website to get the exact features and benefits.
FAQs on Best Rupay Credit Card:
1. Is the RuPay credit card better than the Visa?
Visa and Mastercard are international system cards while the RuPay card is an Indian domestic card. RuPay credit cards have a much lower processing fee since domestic processing is enough for transactions within the country. Visa or MasterCard have a considerably higher processing fee than RuPay cards, since processing for them takes place overseas.
2. Can I use my RuPay Card for international transactions?
RuPay credit cards can be used for international transactions at a PoS, e-commerce website, or ATM, which are enabled for Discover Financial Services (DFS), JCB, and DinerClub. You must enable international transactions on your RuPay Platinum or Select card to use it globally.
3. Which RuPay card has lounge access?
Almost all RuPay cards have lounge access at both domestic and international airports. However, RuPay travel cards offer more than one complimentary lounge access quarterly.
4. Which banks issue RuPay credit cards?
RuPay credit cards are issued by a range of banks in India, including SBI, PNB, BOB, Union Bank, Canara Bank, HDFC, ICICI, Axis Bank, and Kotak Mahindra Bank, among others.