Best RuPay Credit Card

Lifetime Free RuPay Credit Cards are an excellent choice for those who want to take advantage of credit card benefits without worrying about annual fees. There are no recurring charges and many additional features, which make it stand out. The cards are mainly for those who are spending without incurring extra costs. Here are some of the best lifetime-free RuPay credit cards for the year 2025 and their features:

These cards are ideal for users who want to maximise savings without compromising benefits.

RuPay credit cards have gained immense popularity for their affordability, benefits, and seamless integration with UPI. Here’s an in-depth look at the top 10 RuPay credit cards in India for 2025:

#1. HDFC Bank UPI RuPay Credit Card

If you frequently use UPI for your transactions, the HDFC Bank UPI RuPay Credit Card offers a rewarding experience with 3% cashback on UPI, groceries, dining, and supermarkets.

• Key Features: 3% cashback on UPI, groceries, dining, supermarkets, and PayZapp; 2% cashback on utility bills.
• Fees: Joining fee ₹99, annual fee ₹99 (waived on ₹25,000+ yearly spend).
• Best Suited for: Frequent UPI users and everyday spenders.

#2. Myntra Kotak Credit Card

Online shopping enthusiasts will find the Myntra Kotak Credit Card exceptionally rewarding, especially with the ₹500 Myntra voucher on activation and a 7.5% discount on all Myntra purchases.

• Key Features: ₹500 Myntra voucher on activation, 7.5% discount on Myntra, 1.25% cashback on other spends.
• Fees: Joining fee ₹500, annual fee waived on ₹2,00,000 spent.
• Best Suited for: Online shoppers and frequent Myntra users.

#3. Tata Neu HDFC RuPay Credit Card

For Tata Group customers and frequent travellers, the Tata Neu HDFC RuPay Credit Card provides a blend of rewards, including earning Neu Coins on every spend and four complimentary domestic lounge accesses.

• Key Features: Earn Neu Coins on spends, four complimentary domestic lounge accesses, 1% fuel surcharge waiver.
• Fees: Details not provided.
• Best Suited for: Tata Group customers and frequent travellers.

#4. CSB Bank RuPay Credit Card (Powered By Jupiter)

The CSB Bank RuPay Credit Card, powered by Jupiter, is an excellent choice for those looking for no-cost options with significant cashback benefits and a ₹250 voucher on activation.

• Key Features: ₹250 voucher on activation, 2% cashback on selected spends, 1% fuel surcharge waiver.
• Fees: No joining fee, annual fee waived.
• Best Suited for: Those seeking no-cost cards with cashback.

#5. Bank of Baroda ICAI EXCLUSIVE Credit Card

Professionals in accounting and finance can benefit from the Bank of Baroda ICAI EXCLUSIVE Credit Card, which offers 1,000 reward points and five reward points per ₹100 spent.

• Key Features: 1,000 reward points, five reward points per ₹100 spent, 1% fuel surcharge waiver.
• Fees: No joining fee, annual fee waived.
• Best Suited for: Accounting and finance professionals.

#6. Bank of Baroda ICSI DIAMOND Credit Card

Company secretaries will find the Bank of Baroda ICSI DIAMOND Credit Card appealing, with benefits such as 1,000 reward points and five reward points per ₹100 spent.

• Key Features: 1,000 reward points, five reward points per ₹100 spent, 1% fuel surcharge waiver.
• Fees: No joining fee, annual fee waived.
• Best Suited for: Company secretaries.

#7. Bank of Baroda CMA One Credit Card

Chartered Accountants can use the Bank of Baroda CMA One Credit Card, which offers 1,000 reward points, five reward points per ₹100 spent, and a 1% fuel surcharge waiver.

• Key Features: 1,000 reward points, five reward points per ₹100 spent, 1% fuel surcharge waiver.
• Fees: No joining fee, annual fee waived.
• Best Suited for: Chartered Accountants.

#8. Tata Neu Plus HDFC RuPay Credit Card

Tata Group customers and frequent travellers can enjoy the Tata Neu Plus HDFC RuPay Credit Card, which offers 2% Neu Coins on Tata spends and four complimentary domestic lounge accesses.

• Key Features: 2% Neu Coins on Tata spends, four complimentary domestic lounge accesses, and a 1% fuel surcharge waiver.
• Fees: Details not provided.
• Best Suited for: Tata Group customers and frequent travellers.

#9. Tata Neu Infinity HDFC RuPay Credit Card

Suppose you are a Tata Group customer who uses UPI regularly. In that case, the Tata Neu Infinity HDFC RuPay Credit Card provides generous rewards on UPI spending and substantial savings on the Tata Neu app.

• Key Features: Generous rewards on UPI spends and savings on the Tata Neu app.
• Fees: Details not provided.
• Best Suited for: Tata Group customers using UPI.

#10. ICICI Bank RuPay Credit Card

Simple cashback seekers will appreciate the ICICI Bank RuPay Credit Card, which provides 2% cashback on UPI transactions and 1% cashback on other spends.

• Key Features: 2% cashback on UPI transactions, 1% cashback on other spends.
• Fees: No joining fee, annual fee waived.
• Best Suited for: Simple cashback seekers.

Each card is designed in a specific way to meet distinct consumer needs in day-to-day shopping, travel, dining, or business expenses. Their unique features and benefits make these cards a valuable addition to anyone's wallet while offering a blend of affordability and convenience.

The National Payments Corporation of India took a step further in the Indian way of making payments by launching the RuPay Credit Card. This fulfils the government initiative towards financial inclusion and provides cheaper alternatives than international card networks, such as Visa and Mastercard. They provide flexibility to consumers as RuPay credit cards can be used at tens of millions of merchant outlets across India and other countries.

RuPay credit cards are thus beneficial for the Indian population. Below is an in-depth discussion of all the benefits of RuPay credit cards:

• Cost-Effective: Every credit card from RuPay aims to be of financial assistance. Most cards, like the SBI RuPay Credit Card, have no joining or annual maintenance fees. For example, customers can free themselves entirely from annual charges by acquiring lifetime-free RuPay cards, which will help them with recurring expense reductions.
• UPI Integration: Most interestingly, RuPay cards can be easily and quickly linked to UPI apps. Just tie up your RuPay card with Google Pay and PhonePe, and you can make your payments instantly with the same kind of security that other cards provide. It helps create ease by receiving sufficient credit card features while transacting with UPI-earning reward points or cashback.
• Wide Acceptance: RuPay credit cards are now accepted at an impressive number of ATMs and point-of-sale (POS) terminals in India and across the globe. It is also acceptable to many merchants, thus helping customers use their cards outside the country. For instance, the RuPay Select Cards offer international acceptability and travel insurance, specifically for frequent travellers.
• Exclusive Offers: Other features of RuPay credit cards may include gripping features like cashback on utility payments, discounts at eateries, and reward points for retail transactions. An example is the ICICI RuPay Coral Card. With these added movie ticket discounts and waiver in fuel surcharges, this card is perfect for entertainment and everyday trips.
• Secure Transactions: RuPay credit cards are primarily concerned with the secured transaction. The transactions are very secure through the use of EMV chip technology along with two-factor authentication for greater security. Many RuPay cards also provide free insurance coverage for unforeseen emergencies.
• Domestic Focus: RuPay credit cards are designed for Indian consumers and cater to local needs. They may be handy for people in rural and semi-urban areas, where affordable and accessible services are critical. For example, banks like PNB and Union Bank of India issue RuPay cards at very low charges to reach a larger crowd.
• Reward Programs: A comprehensive reward program associated with RuPay credit cards is available to credit card holders for their transactions to earn points against it. Most reward points are categorised by their usage, such as gift vouchers, merchandise, and cashback, thus embellishing the card. For example, the Axis Bank RuPay Credit Card provides accelerated rewards on large-value purchases and, therefore, is preferred by those who tend to spend more.
• Customisation Options: RuPay credit cards come in diverse choices like Classic, Platinum, Select, and Business cards- each addressing the specific needs that the customer has. Adjusted to you, whether you are a small business owner, travel addict, or daily shopper, there is a relevant RuPay card for you.

RuPay credit cards have become a popular financial tool for millions of Indians as they offer affordable, accessible, and secure solutions. Whether it is cashback on groceries, a discount on dining, or easy UPI transactions, RuPay credit cards have something for everyone based on an individual's lifestyle.

The credit cards under RuPay are made available in different categories such that they can serve many diversified needs:

• Classic Cards: Basic features for everyday transactions.
• Platinum Cards: Added benefits like cashback, reward points, and insurance.
• Select Cards: Premium offerings with travel, dining, and lifestyle privileges.
• Business Cards: Tailored for entrepreneurs and small businesses, offering higher credit limits and business-specific rewards.

Adding your RuPay credit card to a UPI app is simple and quick. Follow these steps:

• Open your preferred UPI app (e.g., Google Pay, PhonePe, Paytm).
• Go to the “Add Card” or “Manage Cards” section.
• Enter your RuPay credit card details (card number, expiry date, CVV).
• Verify the card using the OTP sent to your registered mobile number.
• Once verified, your RuPay credit card will be linked to the UPI app.

The RuPay credit cards are fancy cards that the Indians have accepted. With the amalgamation of reasonable rates, security, and innovation, Indians prefer using RuPay cards. Whether one needs an exhaustive RuPay credit card or a lifetime-free option, they have options.