Best RuPay Credit Card

Following are some of the best lifetime free RuPay credit cards available in India:

Here are the top 10 RuPay credit cards available in India in 2025:

1. HDFC UPI RuPay Credit Card

It is a virtual-only card offered to existing bank customers. You can link your HDFC Bank UPI RuPay Credit Card in UPI apps to earn rewards for UPI purchases.

Fees

• Joining fee: Rs. 99 + applicable taxes (under Festive Season Offer).
• Annual fee: Rs. 99 + applicable taxes (under Festive Season Offer).
• Waiver: Spend Rs. 25,000 or more annually before the ard’s renewal date and get the renewal fee waived from the second year onwards.

Key features:

• Earn 3% cash points (maximum 500 in a calendar month) on groceries, supermarket and dining spends, and PayZapp transactions. 
• 2% Cashpoints (maximum 500 in a calendar month) on utility spends.
• 1% Cashpoints (maximum 500 in a calendar month) on other spends (excluding rent, wallet loads, EMI, fuel, insurance payments, and government categories).
• The above benefits (Cashpoints) are applicable for UPI as well as regular credit card spends.
• The accumulated CashPoints can be redeemed against the statement balance, flight & hotel bookings, and also on the Rewards Catalogue at the SmartBuy Rewards Portal at the rate of 1 CashPoint = Rs. 0.25.
• This RuPay credit card offers a Rs. 250 gift voucher as a welcome offer on your first transaction done within 37 days of activation. 
• Up to 50 days of interest-free period from the date of purchase.
• Zero fuel surcharge.
• You can link your card with PayZapp, GPay, PhonePe, Mobikwik, Paytm, BHIM, and Slice apps to make UPI payments.

Best suited for: Earning rewards for UPI purchases and credit card spends.

2. SBI IRCTC RuPay Credit Card

SBI IRCTC RuPay credit card benefits include a welcome gift of 350 activation bonus Reward Points, up to 10% Value Back as Reward Points on purchasing tickets through the IRCTC website and mobile app, 1 Reward Point for spending every Rs. 125 on non-fuel retail purchases, and so on.

Fees

• Joining fee: Rs. 500 + GST.
• Annual fee: Rs. 500 + GST.
• Waiver: Nil

Key features:

• As a welcome gift get 350 activation bonus Reward Points (1 Reward Point = Rs. 1) on a single transaction (except fuel and cash) of Rs. 500 or above within 45 days of card issuance. 
• 500 Reward Points on renewal fee payment.
• Buy tickets through the IRCTC website and mobile app for AC1, AC2, AC3, Executive Chair Car & Chair Car and earn up to 10% Value Back as Reward Points.
• Earn 1 Reward Point for spending every Rs. 125 on non-fuel retail purchases including railway ticket purchases from the IRCTC website and mobile app (Android only).
• Save 1% on transaction charges on railway ticket bookings on the IRCTC website. 
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle per credit card account) across all petrol pumps in India, on transactions between Rs. 500 to Rs. 3,000.
• Get 4 complimentary railway lounge access per year (maximum 1 per quarter) to participating lounges in India.

Best suited for: Earning rewards, offers on IRCTC tickets, 4 complimentary railway lounge visits, etc.

3. ICICI Bank HPCL Super Saver RuPay Credit Card

This card reduces your fuel, utility, and grocery bills by offering value back on every transaction. The card also offers 1 complimentary domestic airport lounge access per quarter, 2,000 Reward Points on card activation and fee payment as a joining benefit, and much more

Fees

• Joining fee: Rs. 500 + GST.
• Annual fee: Rs. 500 + GST.
• Waiver: The annual fee can be reversed on spending of Rs 1,50,000 in the previous year.

Key features:

• 2,000 Reward Points on card activation and fee payment as a joining benefit.
• 2 Reward Points on spending every Rs. 100 on retail purchases (except fuel).
• 5% back (in reward points) on utility, grocery, and departmental store purchases. 
• Additional 1.5% back (in reward points) on all fuel purchases via the HP Pay app at HPCL outlets.
• 25% discount (up to Rs. 100 per transaction) on booking movie tickets (minimum 2). Up to 2 times a month on BookMyShow and INOX movies, individually.
• Spend Rs. 75,000 in the preceding calendar quarter to get 1 complimentary domestic airport lounge access for the subsequent calendar quarter. 
• Personal accident cover.
• Complimentary 24x7 roadside assistance services. 
• 24x7 concierge services.

Best suited for: Earning cashback and savings on fuel, utility, and departmental store spending.

4. IndusInd Bank Samman RuPay Credit Card

This RuPay Credit Card is for government sector employees. It offers a comprehensive range of features including scan & pay via UPI, 1% cashback on all retail spends, movie tickets, and much more.

Fees

• Joining fee: Nil.
• Annual fee: Rs. 199.
• Waiver: The annual fee will not 
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Key features:

• Get 1% cashback (maximum up to Rs. 200 in a statement cycle) on all spends up to Rs. 20,000 in a statement cycle. 
• 1% cashback on all retail spends (Rs. 15,000 retail spends each month).
• Get 1 assured ticket of Rs. 200 every 6 months in a year in all theatres registered with BookMyShow across all major cities. 
• Zero cash advance fee.
• 1% fuel surcharge waiver (monthly fuel usage of Rs. 3,000) at any petrol pump within India.
• 1% railway surcharge waiver (railway ticket booking of Rs. 5,000 per quarter) on www.irctc.co.in and the IRCTC app.
• Insurance covers Rs. 1 Lakh for lost baggage, Rs. 25,000 for delayed baggage, Rs. 50,000 for passport loss, Rs. 25,000 for ticket loss, and Rs. 25,000 for missed connection.

Best suited for: Earning cashback on all spend, movie tickets offer, and 1% fuel & railway surcharge waiver.

5. Yes Bank RuPay Credit Card

This RuPay lifetime free credit card by Yes Bank offers 4 reward points on spending every Rs. 200 on UPI transactions above Rs. 2,000 and 2 reward points on spending every Rs. 200 on all online spends at zero joining and annual fees.

Fees

• Joining fee: Nil.
• Annual fee: Nil.

Key features:

• Earn 4 reward points on spending every Rs. 200 on UPI transactions above Rs. 2,000.
• Earn 2 reward points on spending every Rs. 200 on all online spends
• Pay in parts for transactions as low as Rs. 1,500.
• Get a loan amount up to your card limit to fulfill immediate fund requirements.
• Convert your payments into EMIs with on-call service at attractive interest rates.
• With YES PayNow, pay your bills on time, every month.
• This is one of the best RuPay credit card lifetime free.

Best suited for: Earning reward points on all UPI transactions above Rs. 2,000 and online spends.

6. Axis Bank Kwik RuPay Credit Card

Earn rewards on every domestic and international spend with Axis Bank Kwik RuPay Credit Card. You can get this RuPay credit card free as it comes with zero joining and annual fees.

Fees

• Joining fee: Nil.
• Annual fee: Nil.

Key features:

• Earn 2 Edge Reward Points on spending every Rs. 200 on domestic and international transactions.
• 1% fuel surcharge waiver (maximum Rs. 150/month) on fuel spends between Rs. 400 and Rs. 4,000.
• No joining and annual fees.
• Easy card activation.
• Link with UPI and start transacting.

Best suited for: Earning Edge Reward Points on domestic as well as international transactions and fuel surcharge waiver.

7. IDFC FIRST Power RuPay Credit Card

This RuPay card by IDFC First Bank offers 5% savings on fuel expenses, 2.5% savings as rewards on IDFC FIRST FASTag recharge, 2.5% savings as rewards on grocery & utility expenses, and various other benefits.

Fees

• Joining fee: Rs. 199.
• Annual fee: Rs. 199
• Waiver: The annual fee is waived on spending a minimum of Rs. 50,000 in the previous year.

Key features:

• Up to 5% savings on fuel expenses.
• 2.5% savings as rewards on IDFC FIRST FASTag recharge.
• 2.5% savings as rewards on grocery and utility expenses.
• 2X rewards on other retail transactions.
• 5% cashback (up to Rs. 1,000) on the transaction value of the first EMI conversion.
• Rs. 250 cashback on the first HPCL fuel transaction of Rs. 250 or above.
• Rs. 1,000 discount on Zoomcar rentals.
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar
• Complimentary roadside assistance worth Rs. 1,399.
• Personal accident cover of Rs. 2 Lakhs and lost card liability cover of Rs. 25,000.
• Refer your friends and earn up to 10,000 rewards (2,000 for every card set-up).

Best suited for: Savings on fuel expenses, IDFC FIRST FASTag recharge, grocery and utility expenses, cashback, and insurance cover.

8. IDFC FIRST Power+ RuPay Credit Card

Benefits of rupay card offered by IDFC First Bank include 6% savings on fuel expenses, 5% savings as rewards on IDFC FIRST FASTag recharge, grocery & utility expenses, 1 complimentary domestic airport lounge access every quarter, 25% discount on movie tickets, and various other benefits.

Fees

• Joining fee: Rs. 499.
• Annual fee: Rs. 499.
• Waiver: The annual fee is waived on spending a minimum of Rs. 1,50,000 in the previous year.

Key features:

• Up to 6. 5% savings on fuel expenses.
• 5% savings as reward on IDFC FIRST FASTag recharge.
• 5% savings as rewards on grocery and utility expenses.
• 3X rewards on other retail transactions.
• 5% cashback (up to Rs. 1,000) on the transaction value of the first EMI conversion.
• Rs. 500 cashback on the first HPCL fuel transaction of Rs. 500 or above.
• Rs. 1,000 discount on Zoomcar rentals.
• 1 complimentary domestic airport lounge access every quarter on minimum monthly spends of Rs. 20,000.
• 25% discount on movie tickets (up to Rs. 100) once every month.
• Complimentary roadside assistance worth Rs. 1,399.
• Personal accident cover of Rs. 2 Lakhs and lost card liability cover of Rs. 25,000.
• Refer your friends and earn up to 10,000 rewards (2,000 for every card set-up).

Best suited for: Savings on fuel expenses, IDFC FIRST FASTag recharge, grocery and utility expenses, cashback, complimentary domestic airport lounge, and insurance cover.

9. HDFC Bank RuPay Shoppers Stop Credit Card

This is one of the best RuPay credit card for UPI that offers rewards on every Shoppers Stop and non-Shoppers Stop spend, a 1% fuel surcharge waiver across all fuel stations in India, Rs. 500 worth of Shoppers Stop vouchers, and much more

Fees

• Joining fee: Rs. 299 + applicable taxes.
• Annual fee: Rs. 299 + applicable taxes.
• Waiver: Nil.

Key features:

• As a welcome offer, earn Rs. 500 per month for a single purchase of Rs. 15,000 or more on Shoppers Stop on a weekend (Friday, Saturday, and Sunday). Offer available maximum once a month & 5 times a year).
• Earn 3% reward points (monthly capping of Rs. 500) on every Shoppers Stop spend. 
• Earn 1% reward points (monthly capping of Rs. 1,000) on every non-Shoppers Stop spend.
• Worth Rs. 350 complimentary Shoppers Stop Silver Edge membership. 
• 1% fuel surcharge waiver (up to Rs. 250 per statement cycle) across all fuel stations in India, on the transaction value of Rs. 400 to Rs. 5,000.
• Rs. 500 worth of Shoppers Stop vouchers, redeemable on any transaction at the Shoppers Stop store.

Best suited for: Earning rewards on Shoppers Stop & non-Shoppers Stop spends,1% fuel surcharge waiver, and complimentary Shoppers Stop Silver Edge membership.

10. AU InstaPay RuPay Credit Card

With this virtual-only AU RuPay credit card, scan and pay on any merchant QR code and earn cashback on all eligible transactions.

Fees

• Joining fee: Nil.
• Annual fee: Nil.

Key features:

• Earn 1% cashback (maximum Rs. 100 per statement cycle) on UPI transactions at departmental stores, dining, pharmacy, and grocery & supermarkets. The minimum transaction amount should be more than or equal to Rs. 200.
• Up to 48 days of interest-free space.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for fuel transactions between Rs. 400 and Rs. 5,000, across all fuel stations in India. 
• Seamlessly scan any merchant’s QR code and pay instantly using your favourite UPI application.
• This Rupay credit card charges zero joining and annual fees.

Best suited for: Earning cashback on UPI transactions across Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets.

A RuPay credit card is a type of credit card issued by many banks in India through the RuPay payment network. RuPay is India’s domestic payment network which allows users to make online transactions. RuPay credit cards are widely accepted at many merchant outlets across India.

• Made in India: The RuPay credit card UPI is made in India and is designed keeping the Indian customers and banking needs in mind.
• Affordable: The transaction costs are lower as they mostly happen in India.
• Security: All transactions take place within the country and are not accessible by foreign parties, making your transactions and personal information secure.
• Multiple sectors usage: Rupay cards are widely accessible and can be used in many sectors that are still untouched. For instance, many people in rural areas of India (such as farmers, locally working women, etc,) still deal in cash. Kisan RuPay Card can be beneficial for these farmers, allowing them to avail many financial benefits.
• Lifetime free options: Many RuPay credit card upi charges zero joining and renewal fees, making them free for lifetime. 
• Easy accessibility: RuPay services Are accessible across ATMs, online banking and other financial services. This makes RuPay cards a very accessible mode of payment. 
• Wide reach: Almost every public and private sector bank is issuing RuPay credit card variants including Axis Bank, State Bank of India, HDFC Bank, ICICI Bank, Yes Bank, etc. Their huge branch network, ATM kiosks and merchant partners enable people to use their RuPay credit cards anywhere in India.
• Instant transactions: Since UPI platforms enable users to make faster payments, RuPay credit card payments works much faster.
• Online application: If you want a RuPay credit card apply online from preferred financial institution’s website/app or our portal.

RuPay credit cards are categorised into the following offerings for individual consumers:

• Classic
• Platinum
• Select 
• MSMEs (Micro, Small, and Medium Enterprises).

# RuPay Classic Credit Card

This variant is the foundation of RuPay’s credit card offerings. It is offered to entry-level users such as everyday users, young professionals, students, and individuals who are new to credit cards. This card is ideal for individuals who want to get the benefits of daily transactions through deals and discounts.

Key Features:

• The RuPay Classic credit card comes with exclusive offers and discounts on making transactions at domestic merchants (Point of Sale as well as e-commerce).
• It provides discounts and privileges on every purchase you make.
• This card provides offers and deals throughout the year, maximising your savings every time you shop.
• As an entry-level card, this variant offers a user-friendly experience.

# RuPay Platinum Credit Card

This RuPay credit card type is designed for customers who seek premium benefits without compromising on affordability.

Key Features:

• A comprehensive insurance cover against personal accident, protecting cardholders and their families financially in unforeseen circumstances.
• This card provides a wide range of merchant offers, and discounts on shopping, dining, and travel across offline and online platforms.
• A dedicated 24x7 concierge service for users to provide them assistance with travel bookings, hotel reservations, and other services, whenever they need.
• The card makes your every grocery shopping and bill payment rewarding with attractive cashbacks and discounts.
• International acceptance makes this card a reliable companion for your international travel and shopping on global online platforms.

# RuPay Select Credit Card

This RuPay card variant targets the elite segment of society, offering them luxury and exclusivity.

Key Features:

• The card provides complimentary holistic spa sessions.
• This variant offers complimentary visits to domestic and international airport lounges and premium railway lounges
• Encouraging a healthy and active lifestyle with free gym memberships.
• Complimentary preventive health check-ups for proactive healthcare management.
• Free access to leading OTT platforms, ad-free music, original content, and other OTT benefits.
• The card provides complimentary access to premium golf courses in major cities.
• Comprehensive personal accident and disability insurance cover, ensuring financial security for cardholders and their families.
• A dedicated 24x7 concierge service for users to provide them assistance with travel bookings, hotel reservations, and other services, whenever they need.
• The card is not just a financial instrument, but a statement of luxury and sophistication.

# RuPay MSME Credit Card

As the name suggests, this RuPay card variant is designed exclusively for MSMEs, addressing the unique challenges faced by them, and providing tools for financial management and business operations.

Key Features:

• Complimentary domestic and international lounge access at select locations.
• Personal accident insurance coverage, air accident insurance coverage, and baggage loss insurance coverage.
• A dedicated 24x7 concierge service for business and travel needs.

The Reserve Bank of India (RBI) has proposed the linking of credit cards to UPI to promote the use of UPI. To add your RuPay credit card to any UPI app, you can follow these steps: 

• Download any UPI app on your mobile that supports RuPay credit cards.
• Register on the app and proceed to log in.
• Select the ‘Add Card’ or ‘Link Card’ option.
• Then select ‘RuPay Credit Card’.
• Enter your credit card details.
• Now, enter the OTP received on your registered mobile number.
• Set a UPI PIN to make secure transactions conveniently.