Best RuPay Credit Cards in India 2023

It is a mid-range credit card by the Bank of Baroda. The card is also offered on the Visa payment network – until recently, BoB used to offer the Premier Credit Card on the Visa platform only, before they tied up with NPCI to come up with a RuPay variant of the card in November 2021

Bank of Baroda Premier RuPay Credit Card offers a reward rate of up to 2.5% (max 10 RPs can be earned per Rs 100, with 1 RP = Rs. 0.25) and a few value-added benefits as well, like complimentary airport lounge access and spend-based fee waiver. BoB Premier RuPay Credit Card comes with a membership fee of Rs. 1,000 per annum. Some of the salient features of the card are as under-

• 2 Reward Points per Rs. 100 spent with the card (reward rate = 0.5% as 1 RP = Rs. 0.25)
• 5X Reward Points (i.e. 10 Reward Points per Rs. 100) on travel, dining and international spends (reward rate = 2.5%)
• 1 complimentary domestic airport lounge access per quarter.
• Joining fee (first year’s membership fee) of the card waived off on a minimum expenditure of Rs. 10,000 within the first 60 days of the card issuance and the annual membership fee of the card is waived off (second year onwards) on a minimum expenditure of Rs. 1,20,000 in the preceding year.

It is an entry-level credit card by the Bank of Baroda. The card comes with an annual fee of Rs. 500 and offers a max reward rate of up to 1.25% (on grocery, departmental store and movie spends). Just like the Bank of Baroda Premier Credit Card, Bank of Baroda Easy Credit Card was also offered on the Visa platform only, until the recent partnership between RuPay and BoB. Some of the key features of the Bank of Baroda Easy RuPay Credit Card are-

• 1 Reward Points per Rs. 100 spent with the card (reward rate = 0.25%, as 1 RP = Rs. 0.25)
• 5X Reward Points (i.e. 5 Reward Points per Rs. 100) on grocery, departmental store and movie spends (reward rate = 1.25%).
• Joining fee (first year’s annual fee) of the card reversed on spending a minimum of Rs. 6,000 in the first 60 days of card membership.
• Annual membership fee of the card (second year onwards) waived off on a minimum expenditure of Rs. 35,000 in the preceding year.

Kotak Mahindra Bank, and Indian Oil Corporation joined forces to launch their new co-branded fuel card which offers great fuel and other benefits on the RuPay card network. You get rewarded on your dining, grocery, and retail spends along with exclusive benefits when you refuel your vehicle at any of the 34,000 Indian Oil outlets across India. You can redeem your reward points for a variety of products and vouchers, cashback, and even free fuel. Here are the features and benefits of this credit card:

• Welcome benefit of 1000 Reward points on spending Rs. 500 or more within a month of card issuance.
• 12 Reward points per Rs. 150 spent on grocery and dining, and 24 Reward points per Rs. 150 spent on IndianOil outlets.
• 3 Reward points per Rs. 150 spent on everything else.
• Annual fee waiver on spending Rs. 50,000 or more in the card anniversary year.
• 1% fuel surcharge waiver and personal accident insurance cover worth Rs. 2 Lakhs
• RuPay contactless transactions up to Rs. 5000

The FIRST Power Plus is the first co-branded credit card launched by IDFC Bank in collaboration with HPCL and works on the RuPay network. With this card, you can save around Rs. 18,500 every year which is enough to buy almost 175 litres of fuel. Another great thing of this card is that it has a joining fee of Rs. 499 but you can get it at No Joining Fee until 30th April 2023 as an introductory offer. Although, it is a fuel credit card, you get many privileges across a host of categories with the card. Here are the features and benefits of this card:

• Up to 6.5% savings on fuel spends
• 4% savings on LPG and HPCL fuel spends, 1.5% savings on payment through HP Pay App, and 1% fuel surcharge waiver
• 5% savings on grocery and utility bills
• 5% savings as reward points on IDFC FASTag recharge
• 3x reward points on other retail spends
• Up to Rs. 500 cashback on on 1st HPCL transaction above Rs. 500 or more
• Up to Rs. 150 discount on Swiggy orders on orders above Rs. 500
• Up to Rs. 500 off on ZoomCars rental
• Up to 25% discount on movie tickets and 505 discount on international and domestic car rentals

Along with the First Power Plus credit card, the First Power card is a co-branded offering by HPCL and IDFC First Bank. You can save around Rs. 7000 annually with this card that can help you buy almost 65 litres of fuel. You get exclusive rewards when you pay using the HP Pay App at any of the 20,000+ HPCL outlets across India. Just like the Power Plus variant, this credit card comes at no joining fee as an introductory offer until 30th April 2023 and the reward points earned on this credit card do not expire. Here are the features and benefits of this credit card:

• Up to 5% savings on fuel transactions up to Rs. 5000 maximum per month
• Up to 2.5% savings on grocery and utility spends up to Rs. 4000 maximum per month
• Up to 2.5% savings on IDFC FASTag recharge up to Rs. 2000 maximum per month
• 2x reward points on other retail spends
• Up to Rs. 150 discount on Swiggy orders above Rs. 500
• Cashback up to Rs. 250 on transactions above Rs. 250 on your 1st HPCL transaction
• Complimentary roadside assistance worth Rs. 1399 and personal accident insurance worth Rs. 2 Lakhs
• Refer your friends for the credit card and earn up to maximum 10000 Reward points on successful referrals

The HDFC Bank offers a travel credit card in partnership with IRCTC and is targeted at people who travel frequently via Indian railways. It comes with an annual fee of Rs. 499 and has lots of decent benefits, including a good reward rate, railway lounge access, and many more. The card rewards you in the form of Cash Points and some of its key benefits are as follows:

• Amazon gift voucher worth Rs. 500 as a welcome benefit
• 5 Cash Point on every Rs. 100 spent on IRCTC bookings
• 1 Cash Point per Rs. 100 spend elsewhere.
• 4 complimentary railway lounge access every year.

Axis Indian Oil Rupay is a co-branded card by Axis Bank in partnership with Indian Oil. The card offers excellent benefits for fuel transactions through reward points. The card is regarded as a great entry-level choice. Along with the fuel benefits, the card also offer other benefits such as:

• 20 Reward Points on every Rs 100 spent at Indian Oil Pumps.
• 5 Reward Points on every Rs. 100 spent on online shopping.
• Discount of up to 10% on movie tickets on Book My Show.
• 20% discount on dining bills with the Axis Bank Dining Delights Program

The PNB RuPay Select Credit Card is one of the popular basic credit cards issued by the Punjab National Bank. It comes with a joining fee of Rs. 500 and earns you 300 bonus Reward Points as a welcome benefit.

• Welcome benefit of 300 bonus Reward Points.
• 2 Reward Points on every spend of Rs. 150.
• 2x Reward Points on all merchandise/online transactions within the first 90 days.
• 50 bonus Reward Points on registration for the e-bill facility.
• Complimentary airport lounge access.
• Complimentary insurance cover worth Rs. 10 lakhs.
• Spend-based waiver of the annual membership fee.
• 1% fuel surcharge waiver.

It is RuPay Platinum RuPay credit card by Punjab National Bank. The card comes with zero joining/annual fee (lifetime free credit card). You get the following benefits with the PNB Platinum RuPay Credit Card-

• 300+ Reward Points on the first usage of the card as a welcome benefit.
• Exclusive cashback on spends on utility bill payments, restaurants/eateries bill payments.
• 2 complimentary lounge access every quarter at domestic airports across India.
• 2 complimentary international airport lounge access.
• Comprehensive insurance plan with a complimentary cover worth Rs. 2 lacs against accidental death or permanent disability.
• Exclusive offers from over 300 domestic and international merchants.

Union Bank Select RuPay Credit Card is issued by Union Bank of India on the Select variant of the RuPay payment network. Union Bank charges an annual fee of Rs. 499 per annum for the RuPay Select Credit Card. Some of the key features of the Union Bank RuPay Select Credit Card are as under-

• Complimentary life insurance cover worth Rs. 10 lacs against loss of life in an air accident and worth Rs. 8 lacs against loss of life in an accident other than air accident.
• Four complimentary airport lounge access every year in over 300 cities across the world.
• Cashback (max Rs. 50 per month) on utility bill payments.
• Cashback on mobile wallet reloads (max Rs. 50 per month) on a minimum transaction of Rs. 500.
• Cashback on train ticket bookings via IRCTC- max cashback capped at Rs. 25- on a minimum transaction of Rs. 300.

Union Bank Platinum RuPay Credit is a toned-down version of the Union Bank Select RuPay Credit Card. The card comes with an annual membership fee of Rs. 299 and offer the following benefits to the cardholder-

• Complimentary insurance cover worth Rs. 8 lacs against loss of life in an air accident and worth Rs. 5 lacs against loss of life in an accident other than air accident.
• Cashback of up to Rs. 50 per month on utility bill payments.
• Cashback on mobile wallet reloads- maximum cashback of Rs. 50 in a month on a minimum transaction of Rs. 500.
• Cashback of up to Rs. 25 on a minimum transaction of Rs. 300 on booking rail tickets via IRCTC.

Union Bank RuPay Combo Debit cum Credit Card is a unique offering by Union Bank of India and RuPay. It is a one of its kind card that works as both a debit and a credit card. The card has two separate magnetic stripes, two microchips and two PINs- two sets of credentials, one each for the debit and the credit card. Some of the salient features of the Union Bank RuPay Combo Debit cum Credit Card are as under-

• Complimentary lounge access at 25+ domestic and 500+ international airport lounges across the world with both Select and Platinum variants.
• Cashback on utility and dining bill payments- cashback on utility bills applicable for both Select and Platinum variants, cashback on dining bill payments applicable only on the Select variant.
• Exclusive offers from partner merchants.
• A total personal accidental insurance worth Rs. 24 lacs (20 lacs on the credit card and 4 lacs on the debit card).
• 24×7 concierge service for assistance regarding travel and hotel reservations.

As it is a combo card, you get both debit and credit card functionalities with the card. There are separate cash withdrawal limits, daily shopping limits stipulated for each of the credit and debit cards.

It is a co-branded credit card by SBI Card in collaboration with IRCTC issued on the RuPay Platinum platform. The card is best suited for those who travel frequently via rail as you get benefits like value back on rail ticket bookings and complimentary access to IRCTC lounges. IRCTC SBI RuPay Credit Card comes with a membership fee of Rs. 300 per annum (joining fee of Rs. 500 applicable for the first year). Some of the key features of the IRCTC SBI RuPay Credit Card are as under-

• 350 Reward Points as a welcome benefit on making a transaction of a minimum of Rs. 500 within 45 days of card issuance.
• 10% value back as Reward Points on AC1, AC2, AC3, AC CC train tickets via IRCTC website/mobile app.
• 1 Reward Point per Rs. 125 spent with the card. No Reward Points earned on fuel purchases.
• 4 complimentary access to IRTC lounges (max 1 per quarter) at select railway stations across India.

The Union Uni Carbon credit card is a fuel card offered by the Union bank in co-partnership with HPCL. The card offers excellent reward points for every fuel transaction and for other transactions as well. Also, it offers many other benefits including Insurance covers and Milestone benefits. Following are the features of the card:

• 16 reward points on fuel spending of Rs 500.
• 2 reward points on every Rs 100 spent on non-fuel transactions.
• Air accidental cover up to Rs 10 lakh.
• Spend-based Benefits.

The PNB Patanjali RuPay Platinum Credit card is a co-branded card offered by the PNB Bank in partnership with Pantanjali. The card offers great benefits across travel, and dining and offers benefits such as insurance covers and a fuel surcharge waiver. Following are the benefits of the card:

• Welcome bonus of 300 Reward Points:
• 1 Reward Point on every spend of Rs. 150.
• 2% cashback up to Rs. 50 on every transaction at Patanjali stores.
• 2 complimentary domestic lounge access every quarter
• Spend-based waiver of the annual fee.

IDBI Winnings RuPay Select Card is an entry-level credit card offering a decent reward rate. The card also offers insurance cover up to Rs. 10 Lakh and many other benefits such as welcome benefits where you get 10% cashback up to Rs. 500 on all transactions done within 90 days. It offers many other benefits including:

• 2 delight points on every Rs. 100 spent.
• 500 delight points on making 5 transactions worth Rs. 1000 per month.
• Double delight points in your Birthday Month.
• Accidental death and permanent disability insurance.
• 1% fuel surcharge waiver.

The Shaurya SBI RuPay Card is a credit card offered by the SBI Bank specifically designed for defense personnel. The card comes with a very small annual fee and offers reward points on every transaction done with the card. It also offers insurance cover of up to Rs. 2 lakhs and many other benefits such as:

• 1,000 Reward Points as a welcome gift.
• 5 Reward Points on every spend of Rs. 100.
• Spend-based waiver of the renewal fee.
• 1% fuel surcharge waiver.