IndusInd Bank is one of India’s leading private sector banks and has joined the league of banks that have launched RuPay credit cards in India. RuPay was launched by the National Payments Corporation of India in 2014, and since then, it has garnered immense popularity. These cards have several benefits, including cashback on purchases, a fuel surcharge waiver, insurance benefits, etc. You can link your RuPay credit card to the UPI application of your choice and make hassle-free transactions.
Apart from all the RuPay Cards mentioned below IndusInd Bank has also launched the ultra premium CRED Sovereign Credit Card which is available on the RuPay Ekaa variant. This card is designed for high-net individuals and offers several rewarding benefits. Let’s take a look at all the other RuPay credit cards launched by the IndusInd Bank.
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12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200 on First Transaction at Wildbean Cafe
Card Details +
The IndusInd Bank Jio-bp Mobility+ Credit Card is a low-cost fuel credit card designed for people who regularly refuel at Jio-bp stations. It comes with a ₹499 + GST joining fee, which can be waived by spending ₹10,000 in the first 30 days, and there is no annual fee from the second year onwards. You earn 12 Smiles per ₹100 spent at Jio-bp outlets, 5 Smiles on dining and grocery spends, and 2 Smiles on other purchases (1 Smile = ₹0.25). The card is issued on the RuPay network, so you can also use it for UPI payments and earn rewards. With milestone benefits and complimentary roadside assistance in select cities, it is a practical option for regular fuel users.
5 CRED Points/₹100 for E-commerce Transactions, CRED UPI, and Transactions at CRED Store, CRED Travel, and CRED Pay
N/A
Card Details +
The CRED IndusInd Bank RuPay Credit Card is a simple, rewards-focused card designed for people who frequently use the CRED app for UPI payments, bill payments, and travel bookings. It comes with a zero joining fee and an annual fee of ₹499 + GST from the second year. Cardholders earn 5 CRED Points per ₹100 spent on e-commerce, CRED UPI, CRED Travel, CRED Store, and CRED Pay transactions, while other eligible spends earn 1 point per ₹100. Points can be redeemed within the CRED platform, offering the best value on flight and hotel bookings. With no lounge or lifestyle perks, this card is best suited for beginners and regular CRED users who want to maximise rewards on digital spends.
2 RPs for Every Rs 100 Spent on UPI. 1 RP for Each Rs 100 Non-UPI Transaction
N/A
Card Details +
The Platinum RuPay Credit Card is IndusInd Bank’s first RuPay credit card. This card is an excellent choice for first-time users as it has no joining or renewal fee, making it a lifetime-free credit card. A cardholder can link their Platinum credit card to a UPI application like Paytm, Google Pay, PhonePe, etc., making transactions effortlessly through a mobile phone. This card provides 2 reward points for every Rs. 100 spent on UPI and 1 reward point for every Rs. 100 spent on Non-UPI transactions. This card even provides travel insurance benefits to its users. 1% fuel surcharge waiver at all petrol pumps across India, with the minimum amount capped at Rs 40 monthly.
1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)
N/A
Card Details +
The IndusInd Bank Samman RuPay Credit Card has been specially launched for government sector employees. This card has no joining fee, but the renewal fee is ₹199 plus taxes, which can be waived on spending ₹75,000 annually. This card provides 1% cashback on spending ₹20,000 in a statement cycle. Cardholders will get 1 complimentary movie ticket up to ₹200 every 6 months through BookMyShow. This card also provides a 1% waiver up to ₹5,000 on railway transactions. This card also includes travel insurance, making it more attractive to potential card applicants.
| Features | IndusInd Bank Platinum RuPay Credit Card | IndusInd Bank Jio-bp Mobility+ Credit Card | IndusInd Bank Samman RuPay Credit Card |
| Joining Fee | Nil | ₹499 + GST | Nil |
| Renewal Fee | Nil | Nil | ₹199 + GST |
| Best Suited For | Shopping | Fuel | Shopping |
| Rewards Rate |
|
12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent | 1% cashback on spends of ₹20,000 in a statement cycle |
| Reward Redemption | 1 RP = ₹0.35 | 1 Smile = ₹0.25 | N/A |
| Movie Benefits | N/A | N/A | 1 complimentary movie ticket worth ₹200 every six months |
| Travel Benefits | N/A | Roadside Assistance Service in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore | 1% surcharge waiver up to ₹5,000 on railway transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge up to ₹40 per month | 1% Waiver Only at Jio-bp Stations | N/A |
The benefits of having an IndusInd Bank RuPay Credit Card are as follows:
Linking your credit card with UPI applications like Google Pay, Paytm, PhonePe, etc., and making transactions with them is an easy and quick payment method.
When you link UPI with credit cards, you get extra security like two-factor authentication, biometric verification, and secure PIN entry. This helps protect your UPI-enabled credit card transactions against unauthorized usage. You can also rely on robust fraud detection mechanisms to keep your transactions safe.
With the IndusInd Bank RuPay Credit Cards, you can earn cashback and reward points on every transaction.
| RuPay Credit Card | Reward Points/ Cashback Earned |
| IndusInd Bank Platinum RuPay Credit Card |
|
| IndusInd Bank Samman RuPay Credit Card | 1% cashback on spending ₹20,000 every statement cycle |
RuPay, being a domestic network card, is accepted in India and worldwide, making it cost-effective for its users.
After comparing all the RuPay credit cards and selecting the one of your preference, below are the steps to apply for the desired credit card:
Choosing an IndusInd Bank RuPay Credit Card is a good idea because these cards are becoming very popular in India. They offer a lot of benefits like making shopping more rewarding, keeping your money safe, and being easy to use. Plus, you can link these cards to UPI for easy payments anywhere, making them a great choice for people new to credit cards and those who have been using them for a while. Tell us what your thoughts are about IndusInd Bank RuPay Credit Cards in the comments below.
To apply for a RuPay Credit Card one should be:
The IndusInd Bank RuPay Credit Cards are provided in physical form.
No, there are no charges on RuPay credit cards for making transactions via UPI.
The IndusInd Bank Platinum RuPay Credit Card is free for life, with no joining or renewal fee, making it a great choice for new credit card users.