Credit cards are beneficial for making cashless transactions, such as rent paying, shopping, and travel. The RuPay network introduced by the National Payments Corporation of India (NPCI) enables secure digital payments for millions of individuals. RuPay credit card is India’s initiative for indigenous debit and credit card payments. We are listing the best RuPay credit cards offered by top banks in India.
What is a RuPay Credit Card?
RuPay card like Visa and MasterCard, is a payment network through which banks can issue debit or credit cards. A bank, or card issuer that selects RuPay as a payment provider can offer a RuPay credit or debit card.
Best RuPay Credit Cards offered by top banks in India
| RuPay Credit Cards | Features | Annual fee* | Suited for |
| IndianOil HDFC Bank Credit Card | IndianOil XTRAREWARDS Program membership. 5% as fuel points at IndianOil outlets, groceries, and bill payments. | Rs 500 annual fee | Reward points |
| HDFC RuPay Shoppers Stop Credit Card | Complimentary Shoppers Stop membership. Citizen Points for every Rs 150 spent on Shoppers Stop brands. | Lifetime free card | Shopping and Fuel benefits |
| Axis IOCL RuPay Credit Card | Cashback on fuel spends. | Waived off spends over 50,000 per year | Fuel benefits, reward points |
| IRCTC Bank of Baroda RuPay Credit Card | Fuel Surcharge Waiver, 1,000 additional reward points on single transaction of Rs 1,000. | Rs 350 | Travel benefits, reward points |
| HDFC Bank RuPay IRCTC Credit Card | Cashback and rewards points on IRCTC ticket booking. | Joining/renewal membership fee Rs 500 | Travel benefits |
| Kotak IOCL RuPay Credit Card | Reward points on fuel, grocery, and dining expenses. | Rs 449 | Fuel benefits |
| IDFC HPCL FIRST Power Credit Card | Reward points on fuel, grocery, and utility transactions | Rs 199 (waived off on Rs 50,000 spent in anniversary year) | Fuel benefits |
| PNB RuPay Select Credit Card | Rewards points on retail merchandise | Nil (if used once in a quarter) | Shopping benefits |
| Tata Neu Infinity HDFC Bank Credit Card | NeuCoins at Partner Tata Brands. Savings on bill payments and recharges. | Renewal membership fee Rs 1,499 | Reward points |
| Union Bank Select RuPay Credit Card | Fuel surcharge reimbursement, insurance cover. | Rs 499 | Reward points |
*Taxes applicable on the annual fee
IndianOil HDFC Bank Credit Card
IndianOil HDFC RuPay Credit Card is a reward-based credit card that enables one to earn fuel points and purchase oil once again.
Features
- Up to 50 days of interest-free period
- 5% as fuel points at IndianOil Fuel outlets, grocery spends bill payments.
- One fuel point for every Rs 150 spent
- 1% surcharge waiver on buying fuel, up to Rs 250 per billing cycle.
- 50 litres of free fuel per year
- Redeem fuel points towards IndianOil XTRAREWARDSTM Points (XRP) Redeem XRP for free fuel at any of the 20,000+ IndianOil Petrol Pumps.
HDFC RuPay Shoppers Stop Credit Card
HDFC RuPay Shoppers Stop Credit Card is a lifetime free card that allows the cardholder to earn First Citizen Points on shopping and grocery spends.
Features
- Six first citizen points for every Rs 150 spent on Shoppers Stop brands, max of 500 First Citizen Points per month
- Two first citizen points for every Rs 150 spent on all other Shoppers Stop brands and other category spends, except fuel and wallet
- Complimentary Shoppers Stop Membership
Axis IOCL RuPay Credit Card
Axis IOCL RuPay Credit Card is a credit card beneficial for those looking for fuel and reward points.
Features
- 100% cashback on fuel transactions within first 30 days of card issuance, up to Rs 250.
- Annual fee waived off if spends are over Rs 50,000 in a year.
- 20 reward points per Rs 100 on fuel spends on IOC Terminal.
- Five reward points per Rs 100 spent on online shopping, the minimum transaction size of Rs 100.
- One reward points per Rs 100 spent on other spends, maximum spending of 5,000/month.
- 1% fuel surcharge waiver for fuel spends between 200 to 5,000.
- 15% discount on partner restaurants via EazyDiner.
- 10% discount for movie tickets booked through the BookMyshow website.
IRCTC Bank of Baroda RuPay Credit Card
Bank of Baroda RuPay Credit Card provides travel benefits and complimentary services. The cardholder is also eligible to earn various bonus rewards.
Features
- Up to 20X reward points on 1-AC, 2-AC, 3-AC, CC, or EC class ticket booking through IRCTC website.
- Four reward points on every Rs 100 spent at groceries and departmental store.
- Complimentary domestic and international lounge program.
- 1,000 activation bonus reward points on a single transaction of Rs 1,000, or above within 45 days of card issuance.
HDFC Bank RuPay IRCTC Credit Card
This HDFC Bank RuPay IRCTC Credit Card is beneficial for those looking for travel benefits and reward points.
Features
- Amazon voucher of Rs 500 on making the first transaction within the first 30 days.
- Five reward point for every Rs 100 expenses on the IRCTC ticketing website and Rail Connect App.
- One reward point for every Rs 100 spent on other spends.
- Eight complimentary access to select IRCTC executive lounges every year, two each quarter.
- Additional 5% cashback on train ticket booking through HDFC Bank SmartBuy.
- 1% transaction charges waiver through IRCTC ticketing website and Rail Connect App; maximum up to Rs 1,000 per statement cycle.
Kotak IOCL RuPay Credit Card
Kotak IOCL RuPay Credit Card is a co-branded credit card that mainly offers fuel benefits to the cardholder. It enables the user to earn several reward points.
Features
- 24 reward points for every Rs 150 spent on Indian Oil fuel expenses.
- 12 reward points for every Rs 150 spent on grocery and dining.
- 1,000 reward points as a welcome benefit on expenses up to Rs 500 within 30 days of card issuance.
- Annual fee of Rs 449 waived off on spending Rs 50,000 in the previous anniversary year.
IDFC HPCL FIRST Power Credit Card
IDFC HPCL FIRST Power Credit Card is a co-branded credit card that provides several fuel benefits to the cardholder.
Features
- 5% savings on fuel spending.
- 5% savings as rewards on utility and grocery expenses.
- 5% as rewards on IDFC FASTag recharge.
- 2X rewards on other retail expenses.
PNB RuPay Select Credit Card
PNB RuPay Select Credit Card is a co-branded credit card that allows the cardholder to get several benefits on shopping and reward points on utility and restaurant bills.
Features
- 300+ reward points on welcome benefits.
- 2X rewards points on retail merchandise.
- Complimentary domestic and international lounge program.
- Cashback in utility bills, eateries, restaurants, etc.
Tata Neu Infinity HDFC Bank Credit Card
Tata Neu Infinity HDFC Bank Credit Card is a credit card beneficial for those looking for shopping benefits and reward points.
Features
- 1,499 NeuCoins as a welcome benefit applicable on paid card.
- 10% NeuCoins on Tata Neu.
- 5% NeuCoins at Partner Tata Brands, bill payment and recharge through Tata Neu.
- 5% NeuCoins on other spends.
- 1% fuel surcharge waiver.
- Renewal fee waiver on a minimum Rs 3 Lakh spent in the previous year.
Union Bank Select RuPay Credit Card
RuPay Select Credit Card offered by Union Bank of India allows the cardholder to get several reward points on various transactions. It does not have any joining fee. The credit card can be linked to any UPI app for merchant payments.
Features
- Exclusive offers on partner merchants
- 1% reimbursement on fuel spending up to a maximum of Rs 100 per month/per card
- Complimentary access to domestic and international lounges.
- Free personal accident insurance coverage up to Rs 10 Lakh.
- Lost card insurance coverage up to Rs 1.50 Lakh.
- Four reward points on every spend of Rs 100.
- Annual maintenance charges waiver on expenses of Rs 50,000 per year.
FAQs
Which banks provide RuPay credit card?
Over 700 banks in India offer RuPay credit cards. The promoter banks in the RuPay network include State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda (BOB), Canara Bank, Bank of India, Union Bank of India, HSBC and HDFC Bank.
Who is the owner of the RuPay credit card?
RuPay was introduced by the National Payments Corporation of India (NPCI).
Does RuPay charge any quarterly fees or joining fees for cardholders in India?
The fees may be applicable, depending on the card issuer.
Can we use RuPay cards for international transactions?
RuPay global cards with Discover, Diners and Pulse Network logos can be used at merchant locations and ATMs across the globe.
What is the cash withdrawal limit for the RuPay credit card?
The cash withdrawal limit for the RuPay credit card is determined by the bank that issues the card.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
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