Best RuPay Credit Cards in India

Best RuPay Credit Cards in India

Explore the list of Best RuPay Credit Cards in India. Check out fees, benefits, features, rewards, and much more related to Rupay credit cards.

Rupay (combining the terms “Rupee” and “Payment”) is India’s initiative for Debit and Credit Card Payments. Just like Mastercard and Visa, it is a payment network using which banks or credit card issuers can issue a Debit or Credit Card.

RuPay credit cards are becoming a popular payment choice in India nowadays. And why not? It brings you hassle-free transactions with tons of benefits. It was launched by the National Payments Corporation of India in 2012.

Now we know that some of you might be struggling to figure out which Rupay Credit Card is the best for you and your needs.

You can stop worrying about that because you have landed at the right place at the right time. In this article, we will help you identify the best Rupay Credit Card for your needs.

Understanding RuPay Credit Cards

What is a Rupay Credit Card?

It is a domestic credit card that operates on the National Payments Corporation of India (NPCI) network. It has made transactions easy and secure. If you want to make your online transactions simpler using UPI services on your RuPay Credit Card. All you need to do is link your RuPay card to your bank account.

Benefits of using a RuPay Credit Card

RuPay Credit Card comes with a lot of benefits and perks for its users. Some of them are:

  • It is a cost-efficient and affordable solution for your payment needs. Many Rupay cards have a “lifetime free” feature which saves you from the hassle of annual fees.
  • Over the years, RuPay has expanded in terms of its acceptance not only in India but internationally as well.
  • It is the best choice for people who primarily engage in domestic transactions as RuPay is designed with Indian customers in mind. It offers customized benefits and rewards that cater to local preferences

Best Rupay Credit Cards in India

Below, you will find a curated list comparing the best Rupay Credit Cards in India:

1. Bank of Baroda Premier Rupay Credit card

Bank of Baroda Premier Rupay Credit card

·      Joining fees: ₹1000

·      Annual fee amount: ₹ 1000

· Rewards: 5x reward points for every ₹ 100 spent on travel, dining, and international purchases

·  Welcome Benefits: Spend ₹ 10,000 within the first 60 days for the first year fee reversal

·      Cashback: NA

·      Other Features: Easy EMI option

·      Best for: Affluent Travelers and Lifestyle Enthusiasts

2. Edge CSB RuPay Credit Card

Edge CSB RuPay Credit Card

·      Joining fees: None

·      Annual fee amount: Lifetime free for the first 2 lakh users

·      Rewards: Flat 1% cashback on non-UPI spends

·      Welcome Benefits: ₹ 250 vouchers from partner brands

·      Cashback:

a)     5% cashback on UPI spends.

b)     Additional cashback after the milestone of ₹ 30,000

·      Other Features: Interest-free credit on UPI payment

·      Best for: Budget-conscious spenders and everyday users

3. IDFC First Power RuPay Select Credit Card

IDFC First Power RuPay Select Credit Card

·      Joining fees: ₹ 199

·      Annual fee amount: ₹199. Waivered if annual spending exceeds ₹ 5000

·      Rewards:

a)     5% savings on fuel expenses.

b)     2.5% savings on grocery and utility expenses.

c)      2x rewards on retail transaction

·      Welcome Benefits: Benefit worth ₹ 1,400

·      Cashback:

a)     ₹ 250 cashback on 2nd HPCL fuel transaction.

b)     5% cash back on the first EMI conversion

·      Other Features: Save up to ₹ 7,000 per annum on fuel costs

·      Best for: Premium rewards seekers and elite spenders

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4. Federal Bank RuPay Signet Credit Card

Federal Bank RuPay Signet Credit Card

·      Joining fees: None

·      Annual fee amount: None. It is lifetime free for its users

· Rewards: 3x rewards on spends for electronics and apparel, 2x rewards on entertainment, and 1x reward for other categories

· Welcome Benefits: Amazon voucher worth ₹ 200 on spends of ₹ 3,000 in the first 30 days

·  Cashback: None

· Other Features: Lowest annual percentage rate (APR) starting from 0.49% per month

· Best for: Flexible spenders and value seekers

5. Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card

·  Joining fees: ₹ 1499

· Annual fee amount:  ₹ 1499. Waiver upon spending above ₹ 3,00,000 or more in the previous year

·      Rewards:

a)     5% NeuCoins at partner Tata online and in-store purchases.

b)     5% NeuCoins on bill payments and recharges through Tata Neu.

c)      1.5% on NeuCoins on other spends.

·      Welcome Benefits: 1,499 NeuCoins.

·      Cashback: None

·      Other Features:

a)     Complimentary lounge access at domestic and international airports.

b)     1% fuel surcharge wavier

·  Best for: Tech-savvy effluents

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If you have made it this far, we want to congratulate you because we are sure that now you are well-informed about the Best RuPay Credit Card in India.

We hope that with this information, you are able to make the right choice for yourself according to your own financial needs and limitations.


1. Which RuPay Credit Card is easy to get, and what banks provide RuPay credit cards in India?

Classic RuPay credit cards are easier to get in comparison to premium or elite cards. At present, around 1,100 banks issue RuPay credit cards, including SBI, HDFC, Axis, Union Bank, and Punjab National Bank.

2. Which are the top 3 RuPay Credit Cards in India?

The top 3 RuPay credit cards in India are the Bank of Baroda Premier RuPay Credit Card, Edge CSB Credit Card, and IDFC First Power RuPay Select Credit Card.

3.  Which type of RuPay Credit Card is best?

It largely depends upon an individual’s lifestyle, spending habits, and preferences. It is the one that aligns with your financial goals and offers benefits that suit your needs.

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