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After the Reserve Bank of India announced the linking of credit cards to UPI apps, most card issuers introduced a range of RuPay credit cards for their customers. These customers can easily link their select RuPay credit cards to any UPI app of their choice and start using their cards for payments. This provides cardholders with the ability to earn reward points and get special offers and other benefits on their credit cards, in addition to the convenience of UPI payments. The RuPay network is rapidly gaining popularity and has a decent share of the credit card market.

UPI payments are exceedingly popular in India, and almost every individual uses one or the other UPI app for payments. Whether you need to pay local vendors, big stores, or friends and family, UPI can be used anywhere, anytime. In the following article, we have compiled a list of the best RuPay credit cards in India. These credit cards provide the best benefits and can be easily linked with your UPI app, allowing you to scan and make payments with ease.

Best RuPay Credit Cards for UPI Payments

Table of Contents

List of Top RuPay Credit Cards for UPI Payments

A lot of people in India are now using their RuPay credit cards to make UPI payments on popular apps like Paytm, BHIM, PhonePe, and Google Pay. However, before you start using your credit card for payments, you need to link and add it to the specific UPI app you use. The following are the best RuPay credit cards in India that you can use for UPI payments.

SBI SimplySAVE RuPay Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.

The SBI Simply Save Credit Card is an excellent card for beginners looking to start or enhance their credit journey. With this credit card, you can earn accelerated reward points (10X) on movies, grocery, and departmental store spends. The annual renewal fee is reversed on the expenditure of Rs. 1 lakh in the card anniversary year.

IndianOil Axis Bank Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance.
The Indian Oil 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 credit card that 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.
IndusInd Bank Platinum RuPay Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A

IndusInd Bank has recently launched its first RuPay Credit Card. This card offers a unique feature of earning 2 Reward Points for every Rs. 100 spent on UPI transactions. The Platinum RuPay Credit Card is a free-for-life credit card (LTF) that is sure to attract both experienced and first-time cardholders. This card is particularly advantageous for those who frequently conduct transactions through their UPI apps, such as Google Pay, PhonePe, and Paytm.

Tata Neu Plus HDFC Bank Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

499 NeuCoins

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. You get higher NeuCoins on Tata brand spends and less on other brands. Other features include domestic lounge access, fuel surcharge waiver, and spend-based renewal fee waiver.

First-power

(4.6/5)

Fees

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

NA

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. You would get 2x reward points on other retail spends and cashback up to Rs. 250 on your 1st HPCL transaction of at least Rs. 250 or more.

IRCTC Rupay SBI Credit Card

(3.8/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 300 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

You get 350 reward points on a minimum transaction of Rs. 500 within 45 days after receiving the card. You also get Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.

The IRCTC Rupay SBI credit card is a co-branded card that offers exciting rewards and benefits in partnership with IRCTC. This card is specifically designed for people who travel via Indian Railways. With this credit card, you get the added benefit of 4 complimentary railway lounge visits.

Myntra Kotak Credit Card

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Myntra voucher worth Rs. 500 on making 1 transaction above Rs. 500 inside 30 days of card issuance

The co-branded Myntra Kotak credit card is an excellent shopping card for loyal Myntra customers. The card offers exclusive discounts on Myntra and cashback on other partner brand spends. Not only that, but you also get Myntra Insider membership, lounge access, milestone benefits, and more. Additionally, you can enjoy a 7.5% discount on Myntra and 5% cashback on partner brand spends, and receive complimentary PVR movie tickets upon reaching milestone spends.

ICICI Bank Coral Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

N/A

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. Get one complimentary domestic airport and railway lounge access every quarter.

HDFC-IRCTC-Credit-Card

(4.5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.

The HDFC IRCTC Credit Card is most suited for frequent travelers 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.

Bank of Baroda Easy Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA

The HDFC IRCTC Credit Card is most suited for frequent travelers 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.

Card Insider’s Review of Top RuPay Credit Cards in India

Our Top Choice – SBI SimplySAVE Credit Card

The SimplySave Credit Card offered by SBI Card would be our top recommendation for the best RuPay Credit Card in the country. With this card, you can conveniently make rewarding payments from the palm of your hand. Despite the low joining fee of Rs. 499, this card offers numerous benefits that justify the cost. Moreover, you can easily waive the joining fee by spending Rs. 1 lakh in a card anniversary year.

What makes this credit card so special?

Earn 10X Reward Points on every Rs. 150 spent on dining, movies, departmental stores, and groceries.

Best Fuel RuPay Credit Card – Indian Oil Axis Bank Credit Card

There are two things in life that we can’t avoid: Food for our bodies and fuel for our vehicles. But what if we could make these recurring and expensive payments more rewarding? Well, with the Indian Oil Axis Bank Credit Card, you can earn 4% value back in the form of reward points on fuel spends ranging from Rs. 100 to Rs. 5,000 each month. The low joining charge of Rs. 500 can be waived by spending Rs. 50,000 in a year.

Why you should opt for this card?

  • 20 Reward Points on Rs. 150 spent on IOCL Petrol Pumps
  • 5 Reward Points spent on online shopping

Best LTF RuPay Card – IndusInd Bank Platinum Card

The IndusInd Bank Platinum Credit Card is the bank’s first RuPay offering. It is a unique card that rewards users with more points on UPI transactions than non-UPI transactions. This makes it the perfect card for UPI payments. You can have peace of mind knowing that your UPI transactions are secure when using this credit card.

Why go for the IndusInd Platinum Credit Card?

  • It’s literally free, with no joining or annual charge.
  • Earn 2 Reward Points for UPI payment of Rs. 100

Reward Points on UPI Payments With Popular Credit Cards

Credit Card Reward Points on UPI Spends
SBI SimplySAVE Credit Card Reward Points as Per Card Offering
Indian Oil Axis Bank RuPay Card EDGE Reward Points as Per Card Offering
IndusInd Bank Platinum RuPay Credit Card 2 RPs for Each UPI Payment of Rs. 100
Tata Neu Plus HDFC Bank Credit Card 1% as NeuCoins on Each Spend of Rs. 100
IDFC HPCL FIRST Power Credit Card Reward Points as Per Card Offering
IRCTC Rupay SBI Credit Card Reward Points as Per Product Offering
Myntra Kotak Credit Card 1.25% Cashback on All Transactions Except Rent, Wallet, Fuel, EMI transactions, Education, and UPI Transactions Below or Equal to Rs.2000
ICICI Bank Coral Credit Card Reward Points as Per Card Offering
HDFC Bank RuPay IRCTC Credit Card 1 CashPoint on Each Spend of Rs. 100
Bank of Baroda ( BoB ) Easy Credit Card Reward Points as Per Card Offering

Benefits of Making UPI Payments with RuPay Credit Card

It is very convenient to make UPI payments with your RuPay credit card through the applications. Let’s check out the benefits associated with it –

  • More Reward Points – Whether you are making big purchases or have to pay the local grocery store, you can earn more reward points by using your RuPay credit card for UPI payments.
  • No Need for CVV or OTP – You don’t need to use your card’s CVV or wait for any OTPs to make UPI payments with your credit card. Just enter your UPI PIN, and the payment will go through.
  • Manage Transactions from a Single Place – You can safely manage and make transactions from one single place instead of remembering credentials and details for different apps and credit cards. You don’t need any OTP or CVV and can make the payments through your UPI ID.
  • Quickly Check your Credit Card Limit It is easy to check out your bank balance through UPI apps, and similarly, you can check out your RuPay credit card limit as well.

How to Make UPI Payments with RuPay Credit Cards?

After you have linked your RuPay credit card to your UPI ID, you can start making payments with it. Follow these steps to make UPI payments on different apps with your RuPay credit card-

  • Open the UPI application Paytm, BHIM, PayZapp, Google Pay, or any other through which you wish to make the payment. Make sure your RuPay credit card is linked and added to the application before you use it for payments.
  • Scan the merchant’s QR code and enter the amount you want to pay.
  • Make sure to choose your UPI-linked RuPay credit card out of all available payment options.
  • Enter your four or 6-digit UPI PIN, and the payment will be made through your RuPay credit card.

Bottom Line

Since RBI launched the UPI facility, it has become a hit among Indians. People everywhere love the convenience and versatility offered by UPI. Prominent businessmen and small-time local vendors, everyone prefers digital payments via UPI, and the rate of usage is firmly increasing day by day. Now, people can use their credit card anywhere where UPI is accepted and can earn rewards and benefits for both small-time daily expenses as well as big-ticket purchases.

Head over to the comments section and tell us about your opinions regarding the linking of RuPay credit cards to UPI apps, if you have used this privilege for yourself, and your experience of it.

FAQs:

RuPay credit cards are offered by many popular and trusted banks in India like SBI, HDFC, AU Bank, and IDFC First Bank.
Make easy and convenient payments with a Rupay credit card in India. You can link your credit card to your UPI app and start making payments quickly.
RuPay is an indigenous payment network by NPCI (National Payments Corporation of India) funded by the Indian government. Since it is an Indian payment platform, that too, funded by the government, the transaction fee charged by RuPay is much less than that charged by international payment networks like Visa and MasterCard.
RuPay Credit Cards are offered in 3 different variants- RuPay Select Credit Card, RuPay Platinum Credit Card, RuPay Classic Credit Card, with the RuPay Select Credit Card being the most premium variant and RuPay Classic Credit Card being the most basic variant.
Most RuPay credit cards currently available in the Indian credit card market are not lifetime-free credit cards. However, some RuPay credit cards, like the Bank of Baroda Easy Credit Card, are lifetime free RuPay credit cards.
Yes, SBI Card does offer RuPay Credit Cards. Some of the RuPay Credit Cards by SBI Card currently available in the Indian credit card market are- the IRCTC SBI RuPay Credit Card, Shaurya SBI RuPay Card, and Shaurya Select SBI RuPay Card.

1 Comment

  1. Naman Singh Reply

    I have been using the IRCTC Rupay SBI Credit Card for the past six months, and it has been very helpful during my travels. Some of the perks that I personally appreciate are the four complimentary railway lounge accesses every year, 10% cashback in the form of Reward Points when purchasing AC1, AC2, AC3, and AC CC tickets through irctc.co.in. Also, I have saved 1% in transaction charges while booking railway tickets.

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