15+ Best RuPay Credit Cards for UPI Payments in India

The IndianOil Axis Bank RuPay credit card was launched by the bank in partnership with IOCL and is perfect for people who regularly spend on fuel. This is a beginner credit card that charges a Rs. 500 annual fee and offers boosted rewards on your fuel spends at Indian Oil outlets. There are few high-value privileges on the card, but you still get movie and dining benefits with it.

• 100% cashback on fuel spends, up to Rs. 250, made within one month of card issuance
• 20 RPs per Rs. 100 spent at Indian Oil outlets and 5 RPs per Rs. 100 spent on online shopping
• 10% instant discount on BookMyShow movie tickets
• Up to 15% discount on partner restaurants with the EazyDiner program
• 1% fuel surcharge waiver and renewal fee waiver

A co-branded credit card by HDFC Bank and Tata Neu, this is the basic variant of the two cards. The card offers NeuCoins as reward points and has a great welcome benefit. If you get higher NeuCoins on Tata brand spends and less on other brands. Other features include domestic lounge access, fuel surcharge waiver, etc.

• 499 NeuCoins as a welcome benefit
• 2% NeuCoins on shopping at Tata brands
• 1% NeuCoins on shopping at Non-Tata brands
• 5% NeuCoins on registering for the Tata Neu app or website
• Complimentary domestic lounge access
• 1% fuel surcharge waiver
• Spend-based renewal fee waiver

The premium variant out of the two co-branded cards, the Tata Neu Infinity RuPay credit card, has a joining fee of Rs. 1500 plus taxes and is one of the best shopping credit cards in the market. The welcome benefit is worth the joining fee charged. You even get various travel, lifestyle, insurance, and other benefits with this credit card.

• 1499 NeuCoins as a welcome benefit
• 10% NeuCoins on spends at the Tata Neu app
• 5% NeuCoins on Tata brands and 1.5% NeuCoins on spends elsewhere
• Complimentary international and domestic lounge access
• Low forex markup fee of 2%
• 1% fuel surcharge waiver
• Spend-based renewal fee waiver

IDFC Bank, in association with HPCL, has launched a new credit card that would help you increase your savings on fuel transactions. With this credit card, you can save up to Rs. 7,000 on fuel.

• 2x reward points on other retail spends
• Get cashback up to Rs. 250 on your 1st HPCL transaction of at least Rs. 250 or more.
• Get a Rs. 150 discount on Swiggy orders above Rs. 500
• Get 50% off on Rental Cars with Europcar and Eco Rent-A-Car
• Complimentary roadside assistance worth Rs. 1399

Save up to 6.5% on fuel spends with a credit card. You get 4% as a reward on your HPCL fuel and LPG spends (max capped at Rs. 10,000 per month), 1.5% as a payback reward with payment through the HP Pay App (capped at max. Rs. 5,000 per month), and 1% fuel surcharge waiver (capped at max. Rs. 10,0000 per month).

• 5% cashback of up to Rs. 1,000 on the transaction value of the first EMI.
• Get up to Rs. 150 discount on orders above Rs. 500 on Swiggy
• Rs. 500 discount on Zoomcars rentals
• Get up to a 50% discount on rental cars from Eco Rent-A-Car and Europcar, both domestic and international.
• Complimentary domestic airport lounge access per quarter (minimum monthly spending of Rs. 5,000)
• Get up to 25% off on movie tickets (Rs. 100 max cap per month)

The SBI Simply Save Credit Card comes at a low joining fee of Rs. 499 and is an excellent card for beginners looking to start or enhance their credit journey. With this credit card, you can earn accelerated reward points on movies, grocery, and departmental store spends.

• On spending Rs. 2,000 within the 60 days of card activation, get welcome benefits of worth Rs. 500.
• 1 Reward Point for every spend of Rs. 150.
• 10X Reward Points (10 Points per Rs. 150) on spends on movies, dining, grocery categories, and departmental stores.
• The annual renewal fee is reversed on the expenditure of Rs. 1 lakh in the card anniversary year.

HDFC Moneyback Plus Credit Card is a great credit card offered by HDFC Bank. At a low joining fee of Rs. 500, this card offers you 10x Reward Points made through partner brands.

• 5X CashPoints for EMI transactions at select merchant outlets.
• 10X CashPoints on partner brands including Amazon, Flipkart, Reliance Smart Store, Big Basket and Swiggy.
• Gift voucher worth Rs. 500 on spends of Rs. 50,000 in a calendar quarter (max benefit of Rs. 2,000 in a year).
• Up to 15% off on dining at over 2,000 premium restaurants in select cities.
• Get a waiver on the annual fee for an annual expenditure of a minimum of Rs. 50,000.

Make easy UPI payments with the AU Bank InstaPay Credit Card. This is a lifetime free credit card and provides customers ease while making digital payments. As this is a virtual credit card, you won’t need to carry a physical card with you.

• Earn cashback while making spends with this card.
• You get 1% cashback while making transactions with the InstaPay Credit Card.
• Maximum of Rs. 100 can be earned while making spends with this credit card.

The HDFC IRCTC Credit Card is most suited for frequent travellers through Indian Railways. Earn reward points on transactions made with IRCTC. You also get complimentary access to the IRCTC lounge. With low joining fees of Rs. 399, you get 4 Reward Points on Rs. 200 spent made with IRCTC.

• Amazon voucher worth Rs. 500 as a welcome benefit.
• 1 Cash Point for every Rs. 100 spent on retail purchases.
• 5x Cash Points on IRCTC spends.
• Complimentary railway lounge access every year.
• Spend-based waiver of the renewal fee.
• 1% fuel surcharge waiver.

The YES Prosperity Rewards Plus credit card is a great card choice, especially for those who are aiming to save more on their spends. Customers of the card are given the chance to have their joining and renewal fees waived in addition to receiving special incentive offers. Additionally, you may simply redeem your earned reward points for a variety of goods and categories.

• For every Rs. 200 spent on retail purchases, you will get 4 Reward Points.
• 2 Reward Points on every Rs. 200 spent on utilities, bus lines, and tax payments.
• 8 Reward Points per Rs. 200 spent on travel and dining
• On each registration on YES PayNow, you will get 500 Reward Points.
• Accelerated Reward Points on selected purchases done through YES Cart.
• Spend-based waiver of joining and renewal fee.
• You can avail of great offers on dining, shopping, travel, wellness, etc.

The ICICI Coral credit card offers several travel, entertainment, and dining benefits to its customers. You earn 2 RPs per Rs. 100 spent with the card and can also earn a bonus of 10,000 reward points as a milestone benefit. You even get exciting BookMyShow and Inox discounts.

• Reward Point per Rs. 100 you spent on utilities & insurance-related spends.
• 2 Reward Points per Rs. 100 you spend (except Fuel).
• Earn up to 10,000 bonus RPs annually under the Milestone Program.
• Get one complimentary domestic lounge access every quarter.
• Get one complimentary railway lounge pass every quarter.
• Enjoy up to 25% discount on movie ticket booking on BookMyShow and INOX.
• Get exclusive dining deals through the ICICI Bank Culinary Treats Programme

The co-branded Myntra Kotak credit card is a great shopping card for loyal Myntra customers. The card offers exclusive discounts on Myntra and cashback on other partner brand spends. Not just this, you get Myntra Insider membership, lounge access, milestone benefits, and more.

• Rs. 500 worth of Myntra vouchers as a welcome benefit
• 7.5% discount on Myntra and 5% cashback on partner brand spends
• Unlimited 1.25% cash back on other offline and online spends
• Complimentary Myntra Insider membership
• Complimentary domestic lounge access
• Complimentary PVR movie tickets on reaching milestone spends

This is a great card to earn reward points on fuel. You can save a lot by making your fuel transactions with the BPCL SBI Octane Credit Card. This card has a high reward rate of 6.5%, including 1% fuel surcharge waiver.

• Four complimentary access to domestic lounges annually (1 per quarter).
• Gift Vouchers worth Rs 2,000 from Aditya Birla Fashion Yatra Urban Ladder Hush Puppies, or Bata on the annual expenditure of Rs. 3,00,000 or above.
• Renewal fee waived off if Rs. 2,00,000 expenditure is made in the previous card year.

The Bank of Baroda Easy credit card is available lifetime free for a limited time and otherwise charges Rs. 500 as joining fee. You can earn reward points on your daily spends with the card and even get a cashback on payment of the credit card bill.

• Lifetime free card for a limited time
• 5x reward points on groceries, movies, departmental stores, etc.
• One reward point on other spends
• 0.5% cashback on card bill payment

The card was specifically launched by HDFC Bank so cardholders could access credit conveniently on UPI. With the card, you get 3% cashback on UPI as well as regular spends. However, you just get a virtual version of the card and not a physical one.

• 3% Cashpoints on dining, PayZapp, supermarket, and grocery spends
• 2% Cashpoints on Utility spends
• 1% Cashpoints on other spends
• Renewal fee waiver on spending Rs. 25000 in the year