UPI payments have grown by leaps and bounds in the last few years. But paying with a bank account does not have any benefits for credit card enthusiasts. This has changed now as RBI and NPCI have enabled Rupay credit cards for UPI payments. Now, we can use Rupay credit cards for UPI QR codes and get benefits of credit card rewards. Here is a list of the best Rupay credit cards that you can get for UPI payments and other spends too.
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 a good reward rate on UPI spends along with good 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.
- Annual Fee: Rs 1499+GST / LTF
- Reward Rate on UPI spends: 1.5% NeuCoins
- Reward Rate on other spends: 1.5% to 5%
- Cap on UPI Rewards: 500 NeuCoins per calendar month
- Domestic Airport Lounge Access: 1 per quarter
- International Airport Lounge Access: 1 per quarter
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 also offers a good reward rate on UPI spends along with good 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.
- Annual Fee: Rs 499+GST / LTF
- Reward Rate on UPI spends: 1% NeuCoins
- Reward Rate on other spends: 1% to 2%
- Cap on UPI Rewards: 500 NeuCoins per calendar month
- Domestic Airport Lounge Access: 1 per quarter
- International Airport Lounge Access: Not Available
Bank of Baroda Easy Rupay Platinum Credit Card
BoB Easy is an entry-level credit card that is also issued as a Rupay variant. It offers accelerated rewards on groceries and departmental stores. This makes it a good choice for the smaller grocery spends that we do on UPI.
- Joining and Annual Fee: NIL (LTF card)
- Reward Rate on UPI spends: 0.125% to 0.25%
- Reward Rate on other spends: 0.25% to 1.25%
- Cap on UPI Rewards: 500 RP per statement cycle
- Complimentary Airport Lounge Access: None
- Rewards Redemption: Statement Credit
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 credit card for existing ICICI Bank customers. Get this one to use it for UPI spends also for the many merchant offers from ICICI Bank.
- Joining and Annual Fee: LTF
- Reward Rate on UPI spends: 0.25% to 0.75%
- Reward Rate on other spends: 0.25% to 0.75%
- Cap on UPI Rewards: None
- Domestic Airport Lounge Access: 1 visit per quarter
- Rewards Redemption: Amazon Pay GV
Kiwi Rupay Credit Card
This is the newest entry in this list of best Rupay credit cards. Kiwi is a new fintech startup and offers a virtual Rupay credit card in partnership with Axis Bank. If you do not already have three 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.
- Joining and Annual Fee: LTF (Zero)
- Reward Rate on UPI spends: 1% to 2%
- Reward Rate on other spends: Not Applicable
- Cap on UPI Rewards: None
- Complimentary Airport Lounge Access: Not Available
- Rewards Redemption: Statement Credit
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 spending.
- Joining and Annual Fee: Rs 1000+GST
- Reward Rate on UPI spends: 0.25% to 0.5%
- Reward Rate on other spends: 0.5% to 2.5%
- Cap on UPI Rewards: 500 RP per statement cycle
- Domestic Airport Lounge Access: 1 visit per quarter
- Rewards Redemption: Statement Credit
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.
- Joining and Annual Fee: Rs 249+GST
- Reward Rate on UPI spends: 1%
- Reward Rate on other spends: 1% to 5%
- Cap on UPI Rewards: 500 RP (Rs 125) per statement cycle
- Complimentary Airport Lounge Access: None
- Rewards Redemption: Amazon Pay GV
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 in a Rupay Select variant that can be used for UPI spends once Kotak Bank credit cards are on-board.
- Joining and Annual Fee: Rs 500+GST
- Reward Rate on UPI spends: 1.25% only for transactions above Rs 2000
- Reward Rate on other spends: 1.25% to 5%
- Cap on UPI Rewards: None
- Domestic Airport Lounge Access: 1 visit per quarter
- Rewards Redemption: Statement Credit
Best Rupay Credit Cards for Fuel and UPI Spends
IndianOil Kotak Rupay Platinum Credit Card
This is the best option for a fuel credit card if you prefer IndianOil outlets.
- Joining and Annual Fee: Rs 449+GST
- Reward Rate on UPI spends: 0.5% to 4%
- Reward Rate on other spends: 0.5% to 4%
- Cap on UPI Rewards: None
- Complimentary Airport Lounge Access: None
- Rewards Redemption: Amazon Pay GV
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 or online spends on UPI.
- Joining and Annual Fee: Rs 500+GST
- Reward Rate on UPI spends: 0.2% to 4%
- Reward Rate on other spends: 0.2% to 4%
- Cap on UPI Rewards: None
- Complimentary Airport Lounge Access: None
- Rewards Redemption: Amazon Pay GV
HPCL Bank of Baroda ENERGIE Credit Card
This is the newest launch from Bank of Baroda and is a good card for fuel, grocery, and department store spending.
- Joining and Annual Fee: Rs 499+GST
- Reward Rate on UPI spends: 0.3%
- Reward Rate on other spends: 0.3% to 4%
- Cap on UPI Rewards: 500 RP (Rs 125) per statement cycle
- Domestic Airport Lounge Access: 1 visit per quarter
- Rewards Redemption: Amazon Pay GV
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.
- Joining and Annual Fee: Rs 199+GST
- Reward Rate on UPI spends: 0.3% to 2.5%
- Reward Rate on other spends: 0.3% to 2.5%
- Cap on UPI Rewards: None
- Complimentary Airport Lounge Access: None
- Rewards Redemption: Statement Credit
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 fule spends. It also offers 5% return on utilities and groceries
- Joining and Annual Fee: Rs 499+GST
- Reward Rate on UPI spends: 0.5% to 5%
- Reward Rate on other spends: 0.5% to 5%
- Cap on UPI Rewards: None
- Domestic Airport Lounge Access: 1 visit per quarter
- Rewards Redemption: Statement Credit
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
32 thoughts on “10+ Best Rupay Credit Cards for UPI, Fuel and more!”
BOB Easy looks to be the only LTF card offering UPI. Getting Tata Infinity as FYF not LTF.
I have better cards for other spends. Is there a better option?
What about Kiwi?
Kiwi needs min spend of ₹2,000 for reward.
Just saw your updated list, will try out Coral.
Kiwi needs minimum spend of Rs 50, not Rs 2000.
You can also add SBI IRCTC Platinum Rupay Variant to the list, I’ve got the same. It also supports UPI Payments!
It is there under final thoughts at the bottom where other UPI cards are listed.
How much rewards do these cards give specifically on UPI transactions? You haven’t mentioned that anywhere
It is there in the bullet points below each card. Anyways, this article will get updated soon. I will make it clearer.
How to apply for Myntra Kotak RuPay card? Once you click on apply now on Myntra or Kotak site it shows only MasterCard as only variant
Thank you for being a beacon of knowledge and sharing this goldmine of information. It’s an invaluable resource.
Thank you Mohit!
Hi,
Recently got to know about LIC Eclat Rupay credit card, which gives 1% rewards per on ₹100 spent.
Does it also give the same 1% return (4 points on ₹100 spent) for UPI payment as well ?
Plz guide.
IDBI Rupay credit cards are not yet enabled for UPI payments.
You forgot to add HDFC Shoppers Stop rupay credit card (LTF), Yes bank rewards plus, kotak urbane credit card
Add details about Kiwi Axis Credit Card
It’s there now.
Is ICICI Rupay Credit Card enabled on UPI platform
Not as of now
BoB cards have are not yet working on UPI, right?
Only Snapdeal BoB credit card is working as of now. The rest are not enabled yet.
BOB Premier Rupay Select Credit Card is also available on UPI now.
I AM USING BOB HPCL CARD FOR UPI , ITS WORKING LIKE CHARM AND PAY CC BILL WITH HDFC PLATINUM DEBIT CARD FOR 1 % CASHBACK OVER AND ABOVE UPI REWARD.
Add Snapdeal BOB Rupay credit card to thr list. It gives 1% cash back on all spends
Thank you for the feedback Umang. It is there now.
Add BOB Snapdeal RuPay credit card, this card is best if we compare with BOB Select Visa credit card. Rewards offer available on other online shopping merchants too and rewards cashback direct credit to card statement.
BOB RuPay Premier credit card also offer International lounge access (unlike BOB Premier Visa variant). Register for International loungekey access for all RuPay Select credit card holders (Activate International e-com transaction, before register) – https://www.loungekey.com/en/jcb11/
BOB RuPay premier credit card variant also offer free golf access through RuPay Select card benefit.
HDFC Tata Neu card is eligible for 2nd HDFC card. Everyone got 2nd HDFC Tata Neu card on RuPay variant.
SBI SimplySAVE RuPay variant available through SBI bank branches, SBI bank branches by default issuing SBI SimplySAVE on RuPay variant. SBI also running some offer get Rs 250 Amazon gv on spending Rs 2000 within first 60 days of credit card issuance. Offer is valid for all SimplySAVE SBI Card accounts (on RuPay platform) opened via Banca channel from 11th Aug, 2022 – 30th Nov 2022 (both dates inclusive).
Thank you, Abhishek. I have added the Snapdeal BoB credit card now to the list. It is a good card considering its annual fee.
Is the international airport lounge access on BoB Premier confirmed? What is the limit on the number of complimentary visits?
SimplySAVE is already there in the list of other Rupay credit cards to consider in the last section of this post.
Yes international airport lounge access on BoB RuPay Premier confirmed.
4 free international airport lounge access per year.
Already successfully registered on loungeKey (Activate International e-com transaction, before register).
Registered screenshots – https://i.postimg.cc/fTKk61Yd/8439819-Bbl-Po-Jb.jpg
https://i.postimg.cc/RFBBCZBZ/8439819r-Nb-EHVq.jpg
HDFC TATA NEU INFINITY CREDIT CARD. 1.5% DEFAULT RATE AND 5% ON MOST TATA BRANDS.
Thanks Amann. But, the availability is quite limited for the HDFC Bank Tata Neu Rupay cards at this time. Also, HDFC Bank officially issues one card per customer. So, better to consider Regalia over this one.
For this card, hdfc allows multiple cards. It’s written on their website. Also, it’s available on Bhim. Upi also.
Any way to get this SBI card without involving their agents?
Only other way is through a branch where you have a relationship 🙂