Discover the Best RuPay Credit Cards Offers on MyRupaya – Your One-Stop Savings Destination
- Anusha Madda
- Oct 9
- 7 min read
Welcome to MyRupaya, a place where you can find the best RuPay credit card deals in India. You can use MyRupaya to make savings in all your transactions whether you are shopping online, flying, dining out or paying bills.
On our RuPay Offers page, we have combined exclusive deals, cashback offers and discounts on the most popular RuPay credit-cards, so that one can find which credit-card can best suit their lifestyle. IDFC FIRST to SBI, we have the top RuPay credit cards offered by the top banks in India, in a single location. We ease the process of finding credit card offers
You do not have to scroll through various websites of banks and compare various offers, but you can directly compare and explore offers on RuPay credit cards, RuPay debit cards, and RuPay UPI credit cards.
What is MyRupaya?
MyRupaya is the smart credit card and savings discovery platform in India that allows you to discover the best card and optimize your savings. MyRupaya displays instantaneous card discounts, offers and deals on food delivery and travel, fuel and shopping across brands and banks.
Specialized tools such as: are also available on the platform.
Discount Finder: Discovers food, flight or movie discounts on your card.
Compare cards: Compare cashback, annual charges, and reward rates.
RuPay Offers Page: Page dedicated to the display of RuPay credit and debit card benefits.
In case you happen to be a person who uses RuPay cards and misses out on an offer, this page will make sure that this never happens again.
Why Choose RuPay Cards deals via MyRupaya?
Real-Time Deals: RuPay deals are updated by us immediately they are live.
Compare Banks: Compare the features, rewards, and fees of banks.
Smart Discovery: Discover deals on food delivery, movies, travel and shopping.
One-Click Access: No need to visit different bank sites
It can be an SBI Rupay credit card or HDFC Rupay credit card or PNB rupay platinum debit card, with MyRupaya you can find the right Rupay cards discounts to match your lifestyle to find click here
Why Choose RuPay Cards?
National Payments Corporation of India (NPCI) has introduced its own domestic card payment network, the RuPay. It competes with Visa and Mastercard - secure, seamless and UPI-enabled payments.
This is the reason why RuPay credit cards are becoming very popular:
Zero or low forex markup - Best suited to Indian users.
UPI Integration - Pay with your RuPay credit card in UPI apps such as PhonePe, Google Pay, Paytm and BHIM.
Premium Rewards and Lounge Pass - Premium reward programs and access to airport lounges.
Accepted in India - Metro bills to IRCTC tickets.
It could be an Axis Bank Rupay Credit Card, or SBI Rupay Credit Card or IDFC Rupay Credit Card but nevertheless, the Rupay network is changing the way India pays and saves.
Top 5 Best RuPay Credit Cards You Must Explore on MyRupaya Offers
Now, to check in a world full of possible comparisons and discoveries in MyRupaya.in, let's take a look at the best RuPay credit cards with exceptional benefits in 2025.
1. PhonePe SBI Card SELECT Black (RuPay)
Ideal target: Digital-first users, and PhonePe loyalists.
This is the biggest savings card on digital transactions, travel, shopping, and bill payments SBI card has partnered with PhonePe to launch this premium RuPay card.
Top Benefits:
Welcome Benefit: Credit cardholders will get a free gift card worth INR 1,500.
Milestone Benefits: Get a travel gift voucher worth INR 5,000 on spending INR 5 Lakhs in a year
Annual fee reversal on credit card spends of INR 3 Lakhs or more in a calendar year.
5 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 5%.
4 free domestic lounge visits per year.Complimentary Priority Pass membership for 2 years and access to international lounges through it 6 times a year.
Why it stands out: It is among the finest RuPay credit card to make payments via UPI with the benefits of UPI combined with SBI.
To know more details of the card and to know unbaised AI score of the card click here
2. Indigo IDFC FIRST Bank Credit Card (RuPay)
The frequent flyer and the low-cost traveler. The Indigo IDFC Rupay Credit Card provides travel benefits and fuel conservation, thus a good companion to travelers.
Top Benefits:
Welcome Benefits: Get welcome voucher worth INR 5,000 from Indigo encashable against meals and perks. Get another welcome voucher worth INR 3,000 from Indigo on spending INR 1,00,000 within first 90 days of card issuance.
Milestone Benefits: Get Indigo vouchers worth INR 5,000 each on acheiving the following spending milestones: INR 2 Lakhs, INR 5 Lakhs, INR 8 Lakhs, INR 10 Lakhs, INR 12 Lakhs.
4 complimentary golf rounds and 12 complimentary golf lessons every year.
Low forex markup of 1.49%.
Free trip cancellation cover of INR 25,000.
On renewal of card user will get voucher worth INR 5,000 from Indigo encashable against meals and perks.
Cardholders will get 2 physical cards one on Mastercard and one on Rupay.
Cardholder will get shopping and dining offers from Mastercard.
Cardholder will get shopping and dining offers from Rupay.
Applicant can either apply for the card against a fixed deposit at zero fee or pay fee and get the card without fixed deposit.
Why it stands out: Brings together the travel savings and the low cost benefit of RuPay, and you fly smarter.
To know more details of the card and to know unbaised AI score of the card click here
3. PNB EMT RuPay Credit Card
Daily use and online shopping. The PNB EMT RuPay Credit Card is a basic but pay-off card to those who are regular on the e-wallets, UPI applications, and e-commerce systems.
Top Benefits:
Welcome benefit: The user will receive a welcome voucher worth the benefit of Rs 3000. 300+ reward points on activation. Cashback apply to online purchases only.
Cardholder will get 2 domestic lounge visits per quarter.and 2 international lounge visits per year
Special Features This is a co-branded card with EaseMyTrip thereby offering attractive discounts on hotel and travel bookings.
Why it stands out: It is the perfect option as it offers appreciation of RuPay comfort and government sector dependability.
To know more details of the card and to know unbaised AI score of the card click here
4. Tata Neu Infinity SBI Card (RuPay)
Tata Neu app customers and high-end consumers. Considering you shop using the Tata Neu app, this can be considered one of the best RuPay credit cards to earn NeuCoins and unlock other remunerations.
Top Benefits:
Welcome benefit: Users will get 1499 NeuCoins on the Tata Neu app after the payment of joining fee.5%
Annual fee reversal on annual spends of 3 lakh or more.
Users can also avail themselves of 8 complimentary domestic lounge access per calendar year, i.e. 2 per quarter, after spending Rs. 75,000 in the previous quarter and 4 complimentary international airport lounge access/year (1 per quarter)
Why it stands out: It is among the most rewarding Tata-brand loyalist RuPay credit cards.
To know more details of the card and to know unbaised AI score of the card click here
5. IDFC FIRST Power Plus RuPay Select Credit Card
Smart shoppers and cashback hunters. The IDFC FIRST Power Plus Rupay Select Credit card is rewarded without limits, waiver on fuel, and the privilege to access exclusive lounge.
Top Benefits:
Welcome Benefit: Welcome benefits worth ₹1,650
5% off on movie tickets up to ₹100, once every month
Other Benefits: complimentary roadside assistance worth ₹1,399, and personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000.
Complimentary domestic airport lounge access, once every quarter, on minimum monthly spends of INR 5,000,
Why it stands out: A complete lifestyle, travel, and digital payment credit card in a single roof.
To know more details of the card and to know unbaised AI score of the card click here
Other Popular RuPay Credit Cards in India
If you’re exploring beyond these top five, here are some notable mentions you can compare on MyRupaya:
Axis Bank RuPay Credit Card - Excellent to shop and get EMI convenience.
Kotak RuPay Credit Card- Basic rewards program with minimal fees.
HDFC RuPay Credit Card - Can be linked to UPI and offer cashback on online payments.
ICICI Coral Rupay card- fancy card with fuel benefits and lounge privileges.
PNB Rupay Platinum Credit Card - Add-on cards and travelling privileges are free.
IndusInd bank RuPay credit card - Ideal food and entertainment card.
AU Bank RuPay Credit Card - 0.5 per cent fuel, grocery, and travel cashback.
Canara bank RuPay credit card - zero-annual fee card of students and beginners.
Union Bank RuPay Credit Card - Ideal business and MSME credit card.
How to Use RuPay Credit Cards on UPI Apps
The most significant feature of RuPay cards is its UPI compatibility. Following are the ways you can use your RuPay Credit Card in UPI apps such as PhonePe, Paytm, Google Pay, or BHIM:
Open your UPI app
Click on Payment Methods / Bank Accounts.
Choose Add Credit Card.
Choose the bank of your Rupay Credit Cards.
Link and set your UPI PIN.
You can now scan a QR code and pay online with your RuPay credit card and earn a reward on every UPI transaction.
Conclusion
India is on the cusp of a digital payment revolution that is being driven by RuPay cards - a mix of security, accessibility and UPI convenience. Whether it’s a high-end credit card such as PhonePe SBI Card SELECT Black or a more affordable one such as PNB EMT RuPay Credit Card, a RuPay card is available to everyone.
At MyRupaya Offers you can consider all these possibilities and compare them, making the wisest financial decision, because every rupee counts at MyRupaya.
FAQs
What is a RuPay Credit Card?
Rupay credit card is a localized payment card provided by NPCI, which enables customers to make online, offline, and UPI payments.
Is my Rupay Credit card accepted on UPI apps?
Yes! Your RuPay Credit Card is compatible with UPI payments; you can connect it with PhonePe, Google Pay, Paytm and BHIM.
Which are the banks issuing RuPay Credit Cards?
Rupay credit cards are issued by banks such as SBI, HDFC Bank, ICICI Bank, Axis bank, PNB, IDFC FIRST Bank, and indusind bank.
Does Rupay platinum debit card have access to the lounges?
Yes, there are Rupay Platinum Debit Cards that have benefits of using airport lounge.
Which are the best Rupay credit cards?
The best options are the PhonePe SBI Card SELECT Black, Tata Neu Infinity SBI Card and the IDFC FIRST Power Plus Ruay Credit Card.
Does Master card have a prepaid card?
Yes, prepaid cards using RuPay are sold by various banks to give as presents or as restricted cards.
What is the process of applying a Rupay credit card?
Go to rupay card offcial page and compare the cards and apply.
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