Best RuPay Credit Cards in India – 2024

RuPay credit cards have a benefit that others like Visa and Mastercard don’t have. We can use RuPay credit cards for UPI spends and get benefits of credit card rewards. With numerous RuPay credit cards available, it can be difficult to determine which one is the best for your needs. In this guide, we will highlight some of the best RuPay credit cards available in India.

List of Best RuPay Credit Cards

Credit Card	Annual Fee	UPI Reward Rate
Tata Neu Infinity HDFC Bank Credit Card	₹ 1499+GST/LTF	1.5% NeuCoins
Tata Neu Plus HDFC Bank Credit Card	₹ 499+GST/LTF	1% NeuCoins
AU Bank InstaPay Credit Card	LTF	1%
Bank of Baroda Easy RuPay Platinum Credit Card	LTF	0.125% to 0.25%
ICICI Bank Coral RuPay Credit Card	LTF	0.25% to 0.75%
Kiwi RuPay Credit Card	LTF	1% to 2%
IndusInd Bank Platinum RuPay Credit Card	LTF	0.7%
Bank of Baroda Premier RuPay Select Credit Card	₹ 1000+GST	0.25% to 0.5%
SNAPDEAL Bank of Baroda Credit Card	₹ 249+GST	1%
Myntra Kotak Credit Card	₹ 500+GST	1.25%
IndianOil Kotak RuPay Platinum Credit Card	₹ 449+GST	0.5% to 4%
IndianOil Axis Bank RuPay Platinum Credit Card	₹ 500+GST	0.2% to 4%
HPCL Bank of Baroda ENERGIE Credit Card	₹ 499+GST	0.3% to 4%
IDFC First Bank HPCL Power RuPay Select Credit Card	₹ 199+GST	0.3% to 2.5%
IDFC First Bank HPCL Power+ RuPay Select Credit Card	₹ 499+GST	0.5% to 5%
BPCL SBI Credit Card	₹ 499+GST	0.25% to 3.25%
BPCL SBI Credit Card Octane	₹ 1499+GST	0.25% to 6.25%

Lifetime Free Best RuPay Credit Cards for UPI Spends

Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity is the most popular RuPay credit card right now. It offers 1.5% reward rate on UPI spends along with 5% savings on the Tata Neu app. Both the Tata Neu credit cards are issued as a second/third HDFC Bank credit card on a shared limit. NeuCoins can be used at 1:1 redemption value on Tata Neu app partners like 1Mg, Bigbasket etc. This makes the Tata Neu Infinity credit card as good as a cashback credit card.

Tata Neu Plus HDFC Bank Credit Card

The Plus variant is a step below the Tata Neu Infinity but is still a good option. It offers a 1% reward rate on UPI spends along with 2% savings on the Tata Neu app. If you cannot get your hands on the Infinity variant, then go with the Plus variant.

AU Bank InstaPay Credit Card

AU InstaPay is a virtual-only LTF credit card and can be availed by existing AU Bank credit card customers too. It offers 1% cashback for UPI transactions in select MCCs – Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets. Most of our day to day UPI spends would be in these categories. So, this can be a good option to have.

ICICI Bank Coral RuPay Credit Card

ICICI Bank Coral credit card has been around for a long time but has found a new life with the RuPay variant. It is now issued as a pre-approved lifetime free credit card for existing ICICI Bank customers. Get this one to use it for UPI spends and also for the many merchant offers from ICICI Bank.

Kiwi RuPay Credit Card

Kiwi is a new fintech start-up and offers a virtual RuPay credit card in partnership with Axis Bank. If you do not already have 3 Axis Bank credit cards, this is also one of the options. The best benefit of Kiwi is we get real cashback between 1% to 2%. The 2% cashback is possible only for the first 6 months if you were already on the waitlist before the app was launched.

IndusInd Bank Platinum RuPay Credit Card

This is IndusInd Bank’s first RuPay credit card and offers 0.7% cashback on UPI spends. If you do not already have some IndusInd Bank credit card, you can apply online using the link below. If you already have another IndusInd Bank credit card, then you can get your credit limit split for this card using this link.

Best RuPay Credit Cards for UPI Spends with Annual Fee

Bank of Baroda Premier RuPay Select Credit Card

The Bank of Baroda Premier credit card is a step above the Easy card and offers accelerated rewards on travel and dining spends.

SNAPDEAL Bank of Baroda Credit Card

Ignore the Snapdeal co-branding on this one and you have a good entry-level credit card for day-to-day use. The Snapdeal BoB card offers 2.5% rewards on online shopping, groceries, and departmental stores and 1% on all other payments. The only downside is this card does not have an annual fee waiver but the annual fee is quite nominal.

Myntra Kotak Credit Card

The Myntra Kotak credit card is a new co-branded offering that has good rewards on Myntra spends. This card also comes on the RuPay payment network that can be used for UPI spends.

Best RuPay Credit Cards for Fuel and UPI Spends

IndianOil Kotak RuPay Platinum Credit Card

Fuel is one of our higher spends. This is where the IOCL Kotak Platinum credit card shines. You get a 4% reward rate on UPI spends at IOCL fuel pumps.

IndianOil Axis Bank RuPay Platinum Credit Card

This is a second option for a fuel credit card if you prefer IndianOil outlets. The rewards for offline purchases are not great. So, this card will only be useful for fuel spends just like the IOCL Kotak option above.

HPCL Bank of Baroda ENERGIE Credit Card

If your preferred fuel pump is HPCL, go for the BoB ENERGIE credit card to get rewards on UPI fuel spends.

IDFC First Bank HPCL Power RuPay Select Credit Card

This HPCL co-branded fuel credit card is one of the first RuPay credit cards from IDFC First Bank. It is an entry-level card on the RuPay Select platform and offers 2.5% return on utilities, groceries and fuel spends.

IDFC First Bank HPCL Power+ RuPay Select Credit Card

The Power+ is a higher variant of the Power credit card from above and offers higher return on fuel spends. It is one of the best fuel credit cards for HP fuel pumps with 4% return on fuel spends. It also offers 5% return on utilities and groceries

BPCL SBI Credit Card

The BPCL SBI credit card is another good option for getting 3%+ return on fuel spends. We can meet the annual fee waiver with only fuel spends getting an overall reward rate of 3.25% plus a 1% fuel surcharge waiver. You can also explore the BPCL SBI Octane credit card for a higher fuel return. But that comes with a higher annual fee too.

BPCL SBI Credit Card Octane

The higher variant BPCL SBI credit card OCTANE is now also available on the RuPay payment network. It will give you 6.25% return on fuel spends plus a 1% fuel surcharge waiver.

Final Thoughts on Best RuPay Credit Cards

We have limited the list to 14 best RuPay credit cards that have decent rewards along with other benefits and offers. But, there are many more RuPay cards in the market. Some of the other ones are listed below.

Bank of Baroda: IRCTC Credit Card
HDFC Bank: MoneyBack+, Freedom, IndianOil, IRCTC credit card
SBI Card: SimplySAVE, IRCTC Platinum, Shaurya, Shaurya Select
Yes Bank: Prosperity Rewards Plus
Federal Bank: Signet

Even PSBs like PNB offer RuPay credit cards. I would not suggest getting them unless you already have some relationship with the bank. Some of the cards are listed below.

Punjab National Bank: RuPay Select and RuPay Platinum
IDBI Bank: Winnings
Union Bank: RuPay Select and RuPay Platinum

Any other RuPay credit card that should be there on this list? Do comment and share.

Frequently Asked Questions