Best Rupay Credit Cards in India 2024 (September)

RuPay credit cards have become the handiest in terms of digital transactions after the recent effort of the Reserve Bank of India to link credit cards with UPI apps. Now, attach your RuPay credit card to any UPI app and get any payment, reward, and exclusive offer linked with your RuPay credit card.

 The top RuPay credit cards for UPI payments are listed here, along with information on their features, costs, and advantages to assist you in making the best decision. 

Best RuPay Credit Cards 2024

Knowing the advantages and characteristics of each credit card option is essential when selecting one.

1. SBI SimplySAVE RuPay Credit Card

The SBI SimplySAVE RuPay Credit Card should be the first to choose if you shop frequently. If the new cardholder spends a specific amount within 60 days of issuance, a welcome bonus of 2,000 reward points is granted. This card is best for those expecting to earn rewards on year purchases, all while mitigating yearly fees. 

Tip: This card is good for beginners and provides 10X reward points on movie, grocery, and department store purchases. The yearly fee is waived for spending ₹1 lakh or more a year. 

2. Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card comes with a welcome reward of 499 NeuCoins. This reward is redeemable on the Tata Neu app. It’s a fantastic option for people who frequently purchase and wish to take advantage of special offers on the Tata platform because of its affordable fees and benefits. 

Tip: Ideal for UPI transactions, this card offers 1% NeuCoins on Tata Neu app payments and carries travel privileges such as free access to airport lounges.

3. Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card is made to remember the needs of heavy spenders. There are 1,499 NeuCoins available for use on the Tata Neu app upon enrollment. This card is ideal to maximize your benefits while making significant purchases.

Tip:  If you spend money on Tata brands, you can earn up to 10% in NeuCoins as cashback with this premium card. You also get free entry to airport lounges both domestically and internationally. 

4. IndusInd Bank Platinum RuPay Credit Card

There are no joining and renewal fees with the IndusInd Bank Platinum RuPay Credit Card, making it unique. It is an affordable choice for regular shopping because it gives reward points on every transaction. This card is ideal for people who seek a basic rewards scheme with no yearly cost. 

Tip: Earn 2 reward points per ₹100 spent on UPI transactions. It is a lifetime free product for an individual who is using UPI frequently.

5. Edge CSB Bank RuPay Credit Card

Cashback benefits are available with the Edge CSB Bank RuPay Credit Card. This card is excellent for a range of spending requirements. The membership has no starting or renewal costs and includes a ₹250 coupon for the best brands as an initial gift. If you want a credit card without any annual fees and would rather have cash back than reward points, this is the one for you. 

Tip: This card is exclusively available to Jupiter users, offering 2% cashback in selected categories like dining, shopping, or travel. It also includes a free subscription to SonyLiv and some other benefits.

6. Axis My Zone Credit Card

Those who enjoy dining and entertainment should apply for the Axis My Zone Credit Card. New cardholders get a SonyLiv membership worth ₹999. The card is a wonderful option for people who like to shop, eat out, and watch movies because it offers reward points in several areas.

Tip: Great for utility bill payments, this card offers UPI transactions and value-added utility-based benefits.

7. BPCL SBI Octane Credit Card

The BPCL SBI Octane Credit Card is for people who take in fuel and travel frequently. Join and receive 6,000 bonus reward points (worth ₹1,500) as a welcome incentive. This card is useful for people who often refuel their automobiles and wish to earn points for travel and eating expenses. 

Tip: The card gives 7.25% value back at BPCL fuel, 10X Reward Points on dining, departmental stores, and movies, and 1 Reward Point per ₹100 on other purchases.

8. Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is perfect for regular expenses like dining out and bill payments because it offers cash-back advantages. Cardholders get an Amazon coupon worth ₹500 as a welcome bonus, which adds further value for habitual online shoppers. 

Tip: Great for utility bill payments, this card offers UPI transactions and value-added utility-based benefits.

9. ixigo AU Credit Card

People can accrue rewards and receive perks with travelling because it has no starting or renewal fees. The ixigo AU Credit Card is for individuals who love to travel. When a new cardholder makes their first purchase within 30 days, they get 1,000 reward points and a ₹1,000 ixigo Money coupon.

Tip: This is excellent for travel enthusiasts, as it is lifetime free with no Forex markup. Additionally, there is free international and domestic lounge access, along with access to railway lounges.

10. Bank of Baroda Easy Credit Card

Bank of Baroda Easy Credit Card is a lifetime-free card. It gives 1 reward point for other transactions and 5x reward points for department store, movie, and grocery store purchases. Paying credit card bills with cashback is another benefit. Paying credit card bills with cashback is another benefit.

Tip: This card is ideal for regular spending because it has no annual fees and offers significant rewards on regular purchases. 

11. HDFC Bank RuPay IRCTC Credit Card

Designed for frequent Indian Railway travelers, this card offers 4 reward points for every ₹200 spent with IRCTC. It includes complimentary access to IRCTC lounges. A welcome benefit includes a ₹500 Amazon voucher if you make your first transaction within 30 days.

Tip: This card is ideal for those who travel frequently by train and want to earn rewards and enjoy lounge access.

12. IDFC HPCL FIRST Power Credit Card

The IDFC HPCL FIRST Power Credit Card is designed to save on fuel expenses, with up to ₹7,000 in savings. It provides 2x reward points on other retail spends and up to ₹250 cashback on the first HPCL transaction of ₹250 or more.

Tip: A great choice for those who frequently fuel up at HPCL stations and want to benefit from additional rewards on other purchases.

13. ICICI Bank Coral Credit Card

The ICICI Coral Credit Card has several advantages, such as two reward points for every ₹100 spent and a milestone benefit of ten thousand reward points. It also offers free access to domestic airport and train lounges every quarter, as well as savings on BookMyShow and Inox.

Tip: This card is a terrific option for entertainment and travel benefits because it is perfect for dining and movies and provides frequent lounge access along with worthwhile rewards. 

How a RuPay Card Works: Simple and Secure Payment Solutions

RuPay cards are safe payment cards that safeguard transactions using cutting-edge EMV chip technology. Thanks to this chip, using your card for both small and large purchases is secure.

This is how a RuPay card functions:

1. Better Protection: Every RuPay card incorporates a microchip to protect your card information. This chip guarantees the security of your transactions and aids in preventing fraud.
2. Broad Acknowledgment: Almost 150,000 ATMs in India accept RuPay cards, making it simple to get cash when you need it. You can use it at more than 875,000 retail establishments, including shops and eateries, for shopping.
3. Online payments: Online purchases can be made using RuPay cards. From the comfort of your home, you may make purchases with your card on over 10,000 websites.
4. Nationwide Coverage: To facilitate PIN-based purchases at different retailers, RuPay has partnered with 29 major banks. This implies that you can safely make payments at several locations around India using your card and PIN. 

Why Opt for Credit Cards from RuPay?

RuPay credit cards are in great demand in India because of their seamless integration with UPI payments along with other enticing features and benefits. If you use a RuPay credit card for your UPI transactions, it is a convenient and rewarding experience, whatever be your shopping habits or value for rewards. The most effective overall RuPay credit card is the SBI SimplySAVE credit card. Furthermore, when it comes to value for money, the SBI SimplySAVE Credit Card turns out to be one of the best, as it brings together low joining with substantial rewards.

The SBI SimplySAVE credit card is the most effective overall RuPay credit card.

When it comes to value for money, the SBI SimplySAVE Credit Card stands out. It combines a low joining fee with substantial rewards, making it our top pick.

Key Features:

• Affordable Joining Fee: With a nominal joining fee of ₹499, this card is accessible to many users.
• Fee Waiver Opportunity: Spend ₹1 lakh annually to get the joining fee waived off.
• Rewards: Earn 10X Reward Points on every ₹150 spent on categories like dining, movies, departmental stores, and groceries.

The SBI SimplySAVE Credit Card offers a robust rewards program that benefits frequent spenders, especially those who enjoy dining out or shopping regularly.

IndusInd Bank Platinum Card

The IndusInd Bank Platinum Credit Card is a top choice with zero fees. It is particularly advantageous for users who frequently use UPI for their transactions.

Key Features:

• Zero Fees: No joining or annual fees make this card a cost-effective choice.
• UPI Rewards: You can earn more reward points using your RuPay credit card to make UPI payments for small and large transactions.

The IndusInd Bank Platinum Card is ideal for those who prefer a no-cost card while still benefiting from rewards on their UPI transactions.

Rewards of Making UPI Payments using RuPay Credit Cards

Connecting RuPay credit cards to UPI applications has various benefits. Here’s a closer look at how they can improve the way you make payments:

1. Make Security Measures Simpler

• Ignore CVV: Using RuPay credit cards for UPI transactions removes the requirement to submit the card’s CVV, expediting the payment procedure.
• No OTP Problems: Payments may be made fast and easily with just your UPI PIN, eliminating the need for an OTP verification process. 

2. Simple Transaction Processing

• Centralized Payments: Eliminate the hassle of managing numerous apps and credentials by managing your payments with a single UPI ID.
• Simple Tracking: Manage your budget more easily by keeping an eye on and keeping track of every transaction from a single platform.

3. Easy Access to Credit Data

• Immediate Limit Check: You may easily verify your RuPay credit card limit and balance using UPI apps for improved financial control.
• Keep Up to Date: To efficiently manage your finances and keep checks on your expenditures, evaluate your credit limit regularly.

4. Enhanced Payment Convenience

• Instant Transactions: By linking your RuPay credit card to UPI, you can checkout more quickly and avoid having to enter your card information again.
• Simplified Payments: For a more seamless online or in-store payment experience, link your RuPay credit card with UPI.

How to Make UPI Payments with Your RuPay Credit Card

Using your RuPay credit card for UPI payments is straightforward. Follow these steps to get started:

Step 1: Open Your UPI App

• Select Your App: Open a UPI-enabled app like Paytm, BHIM, PayZapp, or Google Pay.
• Verify Card Linkage: Ensure your RuPay credit card is already linked and added to your UPI app.

Step 2: Scan the QR Code

• Scan to Pay: Use the app to scan the merchant’s QR code.
• Enter Amount: Input the amount you wish to pay.

Step 3: Select Your Card

• Choose Your Card: Select your UPI-linked RuPay credit card from the available payment options.

Step 4: Complete the Payment

• Enter PIN: Input your 4 or 6-digit UPI PIN to authorize the transaction.
• Finalize Transaction: The payment will be processed through your RuPay credit card.

Criteria for Selecting the Best RuPay Credit Cards

To identify the best RuPay credit cards for UPI payments, we followed a rigorous selection process:

1. Method of Research

• Comprehensive Review: We assessed a range of credit cards offered by Indian banks and financial organizations.
• Detailed Comparison: To evaluate each card’s suitability for UPI transactions, we examined its features, benefits, costs, and terms.
• Expert Insights: By concentrating on cards that provide worthwhile rewards and perks, we were able to assess each card’s compatibility with well-known UPI apps thanks to our extensive industry experience.

2. Keeping Data Up to Date

• Continuous Updates: We provide updated recommendations regularly to get you the most up-to-date and pertinent information about UPI credit cards.

Conclusion

UPI’s ease of use and convenience make the RuPay credit card one of the most popular payment options. Adding a credit card to your UPI app has many advantages, including quicker rewards and easier payment methods. The RuPay credit cards come with loads of rewards or no fees.   

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