TOP 10 RUPAY CREDIT CARDS
What are RuPay Cards?
RuPay Credit Cards are a type of payment card in India, functioning similarly to other international card networks. They offer a secure and innovative payment solution that is accepted at ATMs, POS devices, and e-commerce websites across India. RuPay cards are designed to fulfill the Reserve Bank of India's vision to have a domestic, open-loop, and multilateral system of payments. RuPay credit cards come with various features and benefits,
such as no joining or annual fees, cashback rewards on transactions, fuel surcharge waivers, and exclusive discounts on dining and entertainment. They also support contactless payments and can be linked to UPI for seamless transactions. With a wide range of options available, including co-brand, fuel, rewards, and UPI convenience cards, RuPay credit cards cater to a diverse set of financial needs and spending habits.
SBI SimplySAVE UPI RuPay Credit Card
The SBI SimplySAVE UPI RuPay Credit Card is a versatile financial tool designed to cater to
a variety of everyday spending needs. It offers a plethora of benefits, such as a welcome
bonus of 2,000 reward points upon spending ₹2,000 within the first 60 days of card issuance.
Cardholders can earn 10x reward points on dining, movies, departmental stores, and grocery
spends, making it an excellent choice for maximizing savings on daily expenses.
Additionally, the card provides a 1% fuel surcharge waiver for transactions between ₹500 and
₹3,000, which can lead to substantial savings over time. An attractive feature of this card is
the annual fee waiver for spending ₹1,00,000 or more in a year, effectively making the card
cost-neutral for active users. Furthermore, the card's UPI integration allows for seamless
linking to popular UPI apps, enhancing transaction convenience. With these features, the SBI
SimplySAVE UPI RuPay Credit Card stands out as a good option for those entering the credit
market and looking to optimize their spending and savings..
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Joining Fee: ₹500 /- + Applicable Charges
Welcome Benefit: Spend INR 2,000 or more in first sixty days and get 2,000 reward points.
Special Feature: 10 points on spend of every INR 100 on Apollo
24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra.
Fees and Charges
3.6% per month (i.e., 43.2% per annum).
Interest Rate
ICICI Bank Coral RuPay Credit Card
The ICICI Bank Coral RuPay Credit Card is recognized for its array of benefits tailored to
enhance the banking experience. Cardholders can earn Reward Points on everyday purchases,
with accelerated rewards on specific categories. Additionally, the card offers complimentary
access to airport and railway lounges in India, alongside discounts on movie bookings and a
personal accident insurance cover. With a maximum annual reward limit, the card
incentivizes higher spending. It also integrates with UPI for seamless transactions, reflecting
its commitment to convenience and security.
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Joining Fee / Renewal Membership Fee: INR 500 + GST
Welcome Benefit: None
Special Feature: One complimentary domestic railway lounge visit.
Fees and Charges
3.50%p.m. and 42%p.a
Interest Rate
IDFC First Power+ RuPay Credit Card
The IDFC First Power+ RuPay Credit Card stands out as a beneficial financial tool,
especially for those who spend regularly on fuel. With this card, users can enjoy significant
annual savings of up to ₹18,500, which translates to approximately 175+ liters of free fuel.
The card's association with Hindustan Petroleum Corporation Limited (HPCL) ensures that
cardholders receive maximum benefits on fuel purchases at HPCL outlets. Additionally, the
card offers a welcome bonus worth ₹1,650 and a modest joining fee of ₹499. Cardholders can
also indulge in lifestyle privileges like complimentary domestic airport lounge access, up to
25% off on movie tickets, and complimentary roadside assistance. The interest rates are
competitive, ranging from 0.75% to 3.5% per month. Moreover, the card provides attractive
deals and discounts across a wide range of partnered brands, enhancing the overall value
proposition for the user.
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Joining/Renewal Membership Fee: INR 499 + Applicable Taxes
Welcome Benefit: Welcome benefits worth ₹1,650
Special Feature: Get rewarded for every UPI transaction
Fees and Charges
0.75% to 3.5% per month (9% to 42% per annum)
Interest Rate
TATA Neu HDFC Infinity RuPay Credit Card
The TATA Neu HDFC Infinity RuPay Credit Card is a premium co-branded credit card that
offers a plethora of benefits, especially for those who frequently shop using the Tata Neu app.
With an attractive reward rate of up to 10% in the form of NeuCoins, which can be redeemed
on the Tata Neu app, it stands out as a competitive option in the market. The card also
provides complimentary domestic and international lounge access, making it a good choice
for travelers. Additionally, cardholders are covered with air accident insurance, emergency
hospitalization, and lost card liability, enhancing the card's value proposition.
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Joining Fee / Renewal Membership Fee: ₹1,499/- + Applicable Taxes
Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year
Membership Fees), applicable on 1st Transaction done within 30 days of card
issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Special Feature: 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
Fees and Charges
3.49% per month i.e 41.88% annually
Interest Rate
Fibe Axis Bank RuPay Credit Card
The Fibe Axis Bank RuPay Credit Card stands out as a significant offering in the Indian
credit card market. It's India's first numberless card, which means it doesn't display card details like CVV and expiry date, enhancing security for users. The card is lifetime free,
eliminating any joining or annual fees, making it attractive for first-time cardholders.
Additionally, it offers up to 3% cashback on entertainment, food delivery, and commute
expenses, with a 1% cashback on other spends. Moreover, cardholders can enjoy up to four
complimentary domestic lounge accesses per year, adding value to the travel experience.
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Joining Fee Joining/Renewal Membership Fee: NIL
Welcome Benefit: None
Special Feature: You can link your credit card with UPI and do UPI transactions
through a Credit card.
Fees and Charges
3.6% p.m. (52.86% per annum)
Interest Rate
Top 5 Credit Cards Of HDFC Bank
SBI SimplySAVE UPI RuPay Credit Card - Spend INR 2,000 or more in the first sixty days and get 2,000 reward points.
ICICI Bank Coral RuPay Credit Card -None
IDFC First Power+ RuPay Credit Card- Welcome benefits worth ₹1,650.
HDFC TATA Neu Infinity RuPay Credit Card - Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Fibe Axis Bank RuPay Credit Card- None
IRCTC SBI RuPay Credit Card - Get 350 activation bonus reward points on single transaction of INR 500 or more within 45 days of card issuance.
Federal Bank RuPay Signet Credit Card- Get an Amazon Pay e-Voucher worth ₹200 on a minimum spend of Rs.3,000 in the first 30 days.
Uni Carbon Credit Card - Welcome bonus up to Rs.300, by way of credit to Bill. The customer has to purchase fuel worth Rs.300/- and above, at an authorized fuel outlet within 60 days from the date of activation of the card.
Yatra SBI Card - Get Yatra.com vouchers worth INR 8,250 for free.
HDFC MoneyBack+ RuPay Credit Card - 500 cash points on payment of the annual fee.
Welcome Benefits Table
Rewards Table
Annual Fees Table
SBI SimplySAVE UPI RuPay Credit Card - Annual Fee (one time): INR 499 + Taxes. Renewal Fee (per annum): INR 499 +Taxes.
ICICI Bank Coral RuPay Credit Card - Joining Fee: Rs 500+GST Annual Fee: Rs 500+GST
IDFC First Power+ RuPay Credit Card - Joining fee: ₹499 + GST Annual fee: ₹499, waived off on crossing
₹150,000 spent in the previous anniversary year.
HDFC TATA Neu Infinity RuPay Credit Card - Joining/Renewal Membership Fee –₹1,499/- + Applicable Taxes.
Fibe Axis Bank RuPay Credit Card - Lifetime Free Credit Card
IRCTC SBI RuPay Credit Card Annual Fee (one time): INR 500 + Taxes. Renewal Fee (per annum): INR 500 + Taxes.
Federal Bank RuPay Signet Credit Card - Joining fee: INR 0. Annual membership fee: INR 1500
Uni Carbon Credit Card - Joining Fee (one time)- INR 499 Annual Fee- INR 499
Yatra SBI Card - Annual Fee (one time): INR 499 + Taxes. Renewal Fee (per annum): INR 499 + Taxes.
HDFC MoneyBack+ RuPay Credit Card Joining/Renewal Membership Fee – ₹500/-
SBI SimplySAVE UPI RuPay Credit Card - 10 point on spend of every INR 150 on dining, movies, departmental stores and grocery spends. Value of 1 point = INR 0.25. Effective cashback rate: 1.6%. Get 1
reward points on all other spends per INR 150. Effective general cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.16%.
ICICI Bank Coral RuPay Credit Card- Earn 2 Reward Points on every Rs. 100 spent on your card (except fuel). Earn 1 Reward Point on every Rs.100 spent on utilities and insurance categories.
Under the new ICICI Bank Milestone Rewards program, get 2000 Reward Points on spending Rs. 2,00,000 on your card and 1000 Reward Points each time you cross Rs. 1,00,000 spent thereafter in an
anniversary year; a maximum of 10,000 Reward Points per year. The value of 1 reward point for ICICI Bank Coral Credit Card is Re. 0.25. Effective Cashback Rate: 0.50% to 1%
IDFC First Power+ RuPay Credit Card- With the FIRST Power+ Credit Card, for every ₹150 spent, you earn 24X Reward Points on HPCL Fuel & LPG, 30X Reward Points on Grocery & Utility and IDFC
FASTag recharge and 3X Reward Points on other retail transactions. You also earn 6 Payback Reward Points for every ₹100 fueling through HP Pay App. 1 RP = 0.25 paisa Effective Cashback Rate: 1.5% (Fuel)
Effective Cashback Rate for other spent: 0.75%
HDFC TATA Neu Infinity RuPay Credit Card- NeuCoins Redemption: You can use your NeuCoins for purchases on Tata Neu App/Wesbite for various brands. For every Rs. 100 spent you get 1NeuCoin.
1 NeuCoin = ₹1, redeemable on Tata Neu App The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per
calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%.
Fibe Axis Bank RuPay Credit Card - Earn up to 3% on entertainment, commute, and food delivery transactions. Get 1% cashback on all other spends. Cashback is not eligible for transactions of
less than Rs. 100. Maximum cashback amount = Rs. 1500 in a statement cycle.
IRCTC SBI RuPay Credit Card - On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points. Get
1 reward point on INR 125 on all other spends. Effective general cashback rate: 0.8%.
Federal Bank RuPay Signet Credit Card - 1 Federal Reward Point = INR. 0.25 You will get 1 reward point on a spend of INR 200. Get 3x rewards on spends for Electronics & Apparel categories, 2x
rewards on the Entertainment category and 1x rewards for other categories. Effective Cashback Rate: 2.5%
Uni Carbon Credit Card- 1 Reward point = 0.25 On every Rs.100 spend on non-fuel transaction the cardholder will earn 2 reward points. i.e., for every Rs. 100 spend on non-fuel transaction, cardholder will
earn Rs. 0.50. * Not available on cash withdrawals. Cardholder will get 1.50% cash back (6 pay back points) in their HP Pay wallet, i.e., 1.50% cashback. Cardholder can get 4% cash back(16 Reward points) and 1% fuel surcharge waiver to his card account and 1.50% cashback (6 pay back points) in their HPPay wallet, i.e.,a total 6.50% cashback. Effective Cashback Rate= 4%
Yatra SBI Card - Get 6 reward points on every INR 100 spend on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month) and international spends (Up to 5000 reward points per month). Value of 1 reward point = INR0.25. Cashback percentage: 1.5%. 1 reward point on every INR 100 spent on all other categories. General cashback rate: 0.25%.
HDFC MoneyBack+ RuPay Credit Card - 10 CashPoints on Amazon, BigBasket,Flipkart, Reliance Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special cashback percentage: 2.5%
(Cashback capped at INR 625 per month). 5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month). 2 cashback points on all other spends, general cashback rate: 0.33%.
Conclusion
RuPay is a card payment network in India, similar to Visa and MasterCard, designed to offer a domestic, open-loop, multilateral system which will allow all Indian banks and financial institutions to participate in electronic payments. It is made by National Payments Corporation of India (NPCI). The RuPay card is accepted at all ATMs, Point-of-Sale (POS) devices, and e-commerce websites in India. It is also accepted internationally in some countries.
The RuPay network offers a range of credit cards, including the RuPay Classic, RuPay Platinum, and RuPay Select, each with different features and benefits tailored to meet the varied needs of consumers. For instance, the RuPay Platinum card often includes benefits like comprehensive insurance coverage, concierge services, and an attractive rewards program.
One of the key features of RuPay credit cards is their security measures, which include an embedded EMV chip, requiring PIN authentication for transactions, thus providing enhanced security against fraud and counterfeiting. Additionally, RuPay cards are known for theirlower processing fees compared to other international card networks, which can result in lower costs for both merchants and cardholders.
RuPay credit cards are also designed to support the Indian government's financial inclusion agenda. By offering lower-cost services and wider acceptance, it aims to bring more people into the formal banking system. This is particularly important in a country where a significant portion of the population has traditionally been underserved by conventional banking services.
Furthermore, RuPay cards often come with additional benefits such as cashback offers, discounts on dining and entertainment, fuel surcharge waivers, and access to airport lounges. These features make RuPay an attractive option for customers looking for value-added services from their credit cards.
In conclusion, the RuPay network of credit cards is a significant step towards enhancing the payment infrastructure in India. It not only provides a secure and efficient payment solution but also promotes financial inclusion and offers a range of benefits to its users. As it continues to expand and evolve, RuPay is likely to play a pivotal role in the growth of digital
payments in India and potentially in other markets as well.
IRCTC SBI RuPay Credit Card
The IRCTC SBI RuPay Credit Card is a product of a collaboration between the State Bank of
India and the Indian Railway Catering and Tourism Corporation, designed to offer value to
frequent railway travelers. It stands out as a beneficial option among RuPay credit cards due
to its array of features tailored for travel and beyond. Cardholders can enjoy a welcome bonus
of 350 reward points on their first transaction of Rs. 500 or more within 45 days of card
issuance, excluding fuel and cash spends. Travel benefits include up to 10% value back on
AC class railway ticket bookings and 1% transaction charge waiver on railway ticket
bookings made through the IRCTC website. Additionally, users benefit from a 1% fuel
surcharge waiver across all petrol pumps in India for transactions between Rs. 500 and Rs.
3,000, exclusive of GST and other charges. The card also grants four complimentary accesses
to railway lounges in India annually, enhancing the travel experience. With these features, the
IRCTC SBI RuPay Credit Card offers a blend of rewards, savings, and convenience, making
it an attractive choice for those who frequently travel by train.
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Joining Fees, and Annual Fees: INR 500 + GST.
Welcome Benefit: Get 350 activation bonus reward points on a single transaction of
INR 500 or more within 45 days of card issuance.
Special Feature: On buying tickets through irctc.co.in & IRCTC Mobile App for
AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as
reward points.
Fees and Charges
3.50% per month (42% per annum).
Interest Rate
Federal Bank RuPay Signet Credit Card
The Federal Bank RuPay Signet Credit Card stands out as a competitive option in the market
of RuPay credit cards. It offers a range of benefits tailored to enhance the cardholder's
experience. With an APR starting from 0.69% per month, it is one of the more cost-effective
choices available. The card can be linked to a UPI ID, allowing for secure and
straightforward transactions. The rewards structure is particularly attractive, offering 3x
rewards on electronics and apparel, 2x on entertainment, and 1x for other categories.
Additionally, cardholders are greeted with an Amazon Pay e-Voucher worth ₹200 upon
spending a minimum of ₹3,000 within the first 30 days. Other perks include BOGO offers on
INOX movie tickets, quarterly Swiggy vouchers upon reaching the spend threshold, and
personal accident insurance cover of ₹2 Lakhs. The card also provides complimentary lounge
access at domestic airports once per quarter, adding to its travel-friendly features. These
benefits make the Federal Bank RuPay Signet Credit Card a compelling choice for those
seeking a rewarding and versatile credit card.
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Joining Fees: INR 0/-
Welcome Benefit: Get an Amazon Pay e-Voucher worth ₹200 on a minimum spend
of Rs.3,000 in the first 30 days.
Special Feature: Buy One Get One on INOX movie tickets, once a quarter and
Complimentary Swiggy vouchers on quarterly spend of ₹20,000.
Fees and Charges
Depends on your bank balance maintained in Federal Bank Saving
Account: Average Monthly Balance (1) less than Rs.50,000 41.88% (3.49% per
month) (2) Rs.50,000 - 3,00,000 30.00% (2.49% per month) (3) Rs.3,00,001-
10,00,000 18.00% (1.49% per month) (4) More than Rs.10,00,000 5.88% (0.49% per month).
Interest Rate
Uni Carbon Credit Card
The Uni Carbon Credit Card is a mid-segment offering with a focus on fuel transactions,
particularly at HPCL outlets. It provides a welcome bonus, rewards on fuel and non-fuel
purchases, and additional cashback benefits when using the HP Pay App. As a RuPay credit
card, it offers the advantages of lower transaction costs and faster processing, which can be
particularly beneficial in rural areas of India. The card also includes features like accidental
insurance coverage and contactless payments, enhancing its utility and security for
cardholders. Overall, the Uni Carbon Credit Card stands out as a good option among RuPay
credit cards, especially for those who frequently spend on fuel.
Joining fee: INR 499 + GST
Welcome Benefit: Welcome bonus up to Rs.300, by way of credit to Bill. The
customer has to purchase fuel worth Rs.300/- and above, at an authorized fuel outlet within 60 days from the date of activation of the card.
Special Feature: Accidental insurance coverage Upto Rs. 10.00 lakh.
Fees and Charges
16% p.a.
Interest Rate
Yatra SBI Card
The Yatra SBI Card, in collaboration with Yatra.com, offers a range of benefits tailored for
travelers. With an annual fee of Rs. 499, cardholders receive welcome vouchers worth Rs.
8,250, discounts on flight and hotel bookings, and a fuel surcharge waiver. Additionally, the
card earns 6X reward points on various categories, enhancing its value proposition. As a
RuPay credit card, it also allows integration with UPI for convenient payments, combining
the benefits of digital transactions with the flexibility of a credit line.
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Joining Fees: INR 499 + GST
Welcome Benefit: Get Yatra.com vouchers worth INR 8,250 for free.
Special Feature: INR 1,000 off on all domestic flight bookings. Applicable on
minimum transaction of INR 5,000.
Fees and Charges
Rate: 3.80% per month (45.6% annually)
Interest Rate
HDFC MoneyBack+ RuPay Credit Card
The HDFC MoneyBack+ RuPay Credit Card is a notable entry-level credit card that offers a
variety of rewards and benefits. It provides 10X CashPoints on select online transactions and
up to 15% off at over 2,000 premium restaurants. Cardholders can also enjoy milestone
privileges, such as a gift voucher worth Rs. 500 upon spending Rs. 50,000 in a calendar
quarter. The card's reward points are redeemable against a wide range of options, including
travel benefits and a diverse rewards catalog. With an annual fee waiver on spending Rs.
50,000 in a year, it's an attractive option for those new to credit or looking to maximize their
rewards on everyday purchases.
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Annual Fee (one time): INR 500 + GST
Welcome Benefit: 500 cash points on payment of annual fee.
Special Feature: 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance
Smart SuperStore & Swiggy, value of 1 reward point = INR 0.25. Special
cashback percentage: 2.5%.
Fees and Charges
3.99% p.m (upto 47.88% p.a).