RuPay is a portmanteau of ‘Rupee’ and ‘Payment’ and India’s own payment network for debit and credit cards. RuPay providing a safe and secure phishing less service experience throughout India’s debit & credit cards payment. Global payment networks like Vias, Mastercard and Maestro, RuPay is launched and regulated by the Reserve Bank Of India regulated and NPCI (National Payments Corporation of India). RuPay already collaborated with all leading banks across India, such as SBI Bank, Axis Bank, ICICI Bank, Yes Bank, HDFC Bank, IDFC First bank & many more banks to provide a wide range of debit and credit cards. So cardholders can easily choose based on their requirements which one suits them best.

The best part about the RuPay credit card is, users can link UPI with it and make payments without entering card details, cvv & OTP. Also RuPay card holders can scan QR and pay via any UPI payments app and earn rewards as cashback. This is a huge movements from NPCI and RBI to make hassle free transactions without entering card details and OTP.

Based on the huge popularity of using RuPay credit cards in India, we have prepared a list of Top 10 Best RuPay Credit Cards in India 2024 to make regular UPI payments with rewards and normal payments as well.

Top 10 Best RuPay Credit Cards in India 2024

Credit Card	Joining/Annual Fee	Welcome Benefits	Cashback/Rewards	Features
HDFC Bank UPI RuPay Credit Card	₹250 + 18% GST	NA	Max 3% Cashpoints upto 500 points 1 CashPoint = Rs. 0.25	3% CashPoints up to 500 points on PayZapp transactions, groceries, supermarket and dining spends
Edge CSB RuPay Credit Card	LTF	₹250 voucher from partner brands	5% cashback on UPI spend Flat 1% cashback on non-UPI spends	Interest-free 51 days credit on UPI payments
Bank of Baroda Premier RuPay Credit Card	₹1000 + 18% GST	Spend ₹10,000 within first 60 days of receiving card for first year fee reversal	5x reward points for every ₹100 spent on travel, dining, and international purchases	Easy EMI option
Bank of Baroda Easy Rupay Platinum Credit Card	LTF	NA	0.125% to 0.25% Reward points on UPI payments & 0.25% to 1.25% reward points on other spends upto 500 RP/month	NA
Myntra Kotak RuPay Credit Card	₹500 + 18% GST	Myntra voucher worth ₹500 on making 1 transaction above ₹500 within 30 days of card issuance	7.5% discount on Myntra spends, 5% cashback on partner brands, 1.25% cash back on other spends	5% cashback on Swiggy, 2 complimentary PVR tickets on spends of ₹50,000 per quarter
HDFC MoneyBack+ RuPay Credit Card	₹500 + 18% GST	500 CashPoints after card activation	2x CashPoints for every ₹150 you spend on retail purchases 5x CashPoints per EMI spends at select merchants 10x CashPoints on partner brands including Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket	1% Fuel surcharge waiver Up to 20 Cash Points on every spend of Rs. 150 Quarterly spend benefit in the form of gift vouchers
Federal Bank RuPay Signet Credit Card	LTF	Amazon voucher worth ₹200 on spends of ₹3000 within 30 days of card issuance	3x rewards on spends for electronics and apparel 2x rewards on entertainment 1x reward for other categories	Lowest annual percentage rate (APR) starting from 0.49% per month
Tata Neu Plus HDFC RuPay Credit Cards	₹499 + 18% GST / LTF	499 NeuCoins	1 % NeuCoins on UPI Payments 5% NeuCoins at Tataneu app and 2% on partner brands 2% NeuCoins on bill payments and recharges through Tata Neu 1% on NeuCoins on other spends	4 Complimentary lounge access  at domestic airports limited to 1 visit per quarter 1% fuel surcharge wavier
Tata Neu Infinity HDFC RuPay Credit Cards	₹1499 + 18% GST / LTF	1499 Neucoins	1.5% NeuCoins on UPI Payments 10% NeuCoins at Tataneu app and 5% on partner brands 5% NeuCoins on bill payments and recharges through Tata Neu 1.5% on NeuCoins on other spends	8 complimentary domestic lounge & 4 complimentary international lounge access every calendar year 1% fuel surcharge wavier
IDFC First Bank HPCL Power+ Rupay Select Credit Card	₹499 + 18% GST	Up to ₹500 cash back on your 1st HPCL fuel transaction above ₹500 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.	Upto 5% cashback on UPI spends 5% cashback on fuel expenses 1x rewards on other transaction 2.5% savings on grocery and utility	Complimentary roadside assistance worth ₹1399, once in a quarter Personal accident loan cover of ₹2 Lakhs and lost card liability cover worth ₹25,000 4 Complimentary domestic lounge access
IDFC First Bank HPCL Power Rupay Select Credit Card	₹199 + 18% GST	Up to ₹250 cash back on your 1st HPCL fuel transaction above ₹500 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.	Upto 2.5% cashback on UPI spends 2.5% cashback on fuel spend 1x rewards on other transaction	Complimentary roadside assistance worth ₹1399 Personal accident cover worth ₹2 Lakhs and lost card liability cover worth ₹25,000
IRCTC SBI RuPay Platinum Credit Card	₹500 + 18% GST	350 reward points on a minimum transaction of ₹500 within 45 days card issuance	1 Reward Point on every spend of ₹125 10% reward points on booking from IRCTC app/website	1 complimentary domestic railway lounge access every quarter
Indian Oil HDFC Bank Credit Card	₹500 + 18% GST	NA	5% Fuel points on spends of minimum 100 at IndianOil outlets, groceries, and bill payments, 1% Fuel Point on every ₹150 spent on all other purchases 1 FP = ₹0.96	Save 2.5% on dining spents
IndianOil Axis RuPay Credit Card	₹500 + 18% GST	100% cashback (up to ₹250) on the first IndianOil fuel transaction made within 30 days of card issuance	20 RP per ₹100 on fuel spends at IOCL outlets 5 RP per ₹100 on online shopping 1 EDGE Point per ₹100 on all other spends	10% instant discount on BookMyShow movie ticket bookings
IndianOil Kotak Rupay Platinum Credit Card	₹499 + 18% GST	Get 1000 Reward Points on spending ₹500 or more within 30 days of card issuance	24 RP on every ₹150 spent on fuel 12 RP on every ₹150 spent on grocery and dining 3 RP on every ₹150 spent on other transactions	Insurance cover worth Rs. 2 Lakhs for personal accident 2% as reward points on dining spends
ICICI Coral RuPay Credit Card	₹499 + 18% GST/LTF	NA	1 Reward Point per ₹100 spend on utilities & insurance 2 Reward Points per ₹100 spent elsewhere 1 Reward Point = ₹0.25	4 compulsory domestic lounge access per year 25% discount up to ₹100 on movie ticket booking Upto 15% discount on dining
ICICI HPCL Super Saver RuPay Credit Card	₹500 + 18% GST	2000 bonus Reward Points on paying the membership fee within 60 days & spending ₹5000 within the first 45 days of card issuance	4% cashback on fuel spends at HPCL 5% cashback as RP on departmental store spends & utility purchases 2 RP per ₹100 spent on all transactions	25% discount (max ₹100) on BookMyShow and Inox movie tickets Dining benefits under the ICICI Bank Culinary Treats Program 4 complimentary lounge access per year
HPCL Bank of Baroda ENERGIE Credit Card	₹499 + 18% GST	2000 Bonus RP on minimum spending of ₹5000 or more within first 60 days of card issuance	24 RP per ₹150 spent on HPCL fuel spent 10 RP per ₹150 spent on groceries and departmental spends 2 RP per ₹150 spent on other categories 1 RP = ₹0.25	25% off on Paytm movie tickets 4 Complimentary access to domestic lounges per year
PNB RuPay Select Credit Card	₹750 + 18% GST	300 bonus Reward Points	1 Reward Point = ₹0.5	8 complimentary domestic & 4 complimentary international airport lounge access each year ₹10 lakhs complimentary insurance cover against accidental death
Axis Bank Kiwi Rupay Credit Card	LTF	NA	2% reward points on UPI payments 2 EDGE RPs per ₹200 spent	NA

Best Rupay Credit Cards for UPI Spends with Annual Fee

Bank of Baroda Premier Rupay Select Credit Card

The Bank of Baroda Premier RuPay credit card is a entry level card that offers good reward rate on travel and dinning spends. Other features and benefits are listed below.

• 2,000 reward points as welcome benefit
• 10 reward points on every ₹100 spent on travel, dining, and foreign spends
• 2 reward points on every ₹100 spent on all other categories
• 1 Reward Point = ₹0.25
• 1% fuel surcharge waiver on fuel transactions at all fuel stations across India
• 3.25% monthly interest rate or 39% per year
• 3.5% forex markup fee on total transaction
• 2.5% Cash withdrawal fee of the amount or minimum ₹300, whichever is higher
• 24×7 customer service

More terms conditions & details on bank website, check here.

HDFC MoneyBack+ RuPay Credit Card

HDFC MoneyBack+ RuPay Credit card is an upgraded variant of original MoneyBack credit card, offers you exclusive rewards as cashpoints while you pay through UPI. Also MoneyBack+ offers you milestone basis gift vouchers, fuel surcharge waiver, 15% discount on dinning, etc. Below are the best benefits & features from HDFC MoneyBack+ credit card you can avail:

• 500 Cashpoints as welcome bonus, also extra 500 cashpoints on card renewal payment each year.
• 15% discount on dining across more than 2,000 premium restaurants.
• Spend ₹50,000 or more in a financial year and annual charges will be waived off.
• 1% fuel surcharge waiver on fuel purchases, max ₹250 per billing cycle.
• 10x Cash Points, 20 CP per ₹150 spent on partner brands including Amazon, Flipkart, Swiggy & Reliance Smart. Max capped at 2500 per billing cycle.
• 5x Cash Points, 10 CP per ₹150 spent on partner merchants EasyEMI & Aggregator EMI.
• 2 Cash Points per ₹150 spent on all other spends including SmartPay transactions.
• 1 Cash Point = ₹0.25
• 4.6% monthly interest charge or 43.2% per year
• 3.5% forex markup fee on total transaction
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher

For more details and updated terms condition, visit HDFC bank website.

Myntra Kotak Credit Card

Myntra Kotak RuPay Credit card is a co-branded card from Kotak partnering with Myntra E-commerce brand. The card offers an exclusive cashback on all myntra spends and other partner brands as well. Recently Kotak has been partnered with RuPay, which enables UPI transaction on this card.

Lets checkout Myntra Kotak credit card features, benefits, and its fees & charges:

• ₹500 worth Myntra voucher as welcome gift, must spend ₹500 within the first 30 days of card issuance.
• Complimentary membership of Myntra Insider program, activation on 7 days of card dispatch.
• 7.5% cashback on Myntra spends, 5% cashback on partner brands, 1.25% cash back on other spends.
• 5% cashback on Swiggy.
• 2 complimentary PVR tickets on spends of ₹50,000 per quarter.
• 1% fuel surcharge waiver on transactions between ₹500 to ₹3000, max ₹3500 per year.
• Annual fee waived off on ₹2 Lakhs or more spending in last financial year.
• Cashback earned will be automatically adjusted to upcoming credit card statement.
• 3.7% monthly interest charge or 44.4% per year
• 3.5% forex markup fee on total transaction
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher
• Add-on card charges ₹299, and lost card replacement fee is ₹200

For more details and updated terms condition, visit Kotak bank website.

PNB RuPay Select Credit Card

PNB RuPay Select Credit Card is a new reward based only UPI enabled credit card from Punjab National bank. The card is very expensive, it comes with a joining fees of ₹500 + 18% GST charges and renewal charges of ₹750 + 18% GST, but it can be waived off by making 1 retail outlet transactions each quarter.

Below are the features and benefits of PNB RuPay Select Credit Card:

• 300 bonus Reward Points as welcome bonus.
• 2 complimentary domestic & 1 International airport lounge access per quarter.
• 2 Reward Points on every spend of ₹150.
• 1 Reward Point = ₹0.5 redeemable at PNB Rewardz portal.
• ₹10L worth complimentary insurance cover against accidental death.
• 2x Reward Points on all online/brand partnered purchases.
• 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3000.
• 2.95% monthly interest rate.
• 3.5% forex markup fee on all foreign currency.
• 2% Cash withdrawal fee of the amount or minimum ₹150 (PNB Domestic ATMs), ₹200 (Other Domestic ATMs) & ₹250 (Overseas ATMs).

For more details and updated terms condition, visit PNB website.

IRCTC SBI RuPay Platinum Credit Card

State Bank of India launched a co-branded credit card with partnership of IRCTC to provide travel benefits such as railway ticket bookings, complementary railway lounge access , rewards on UPI spends, fuel surcharge waiver etc. This credit card is specially for regular railway travellers. Cardholders receive 350 bonus reward points as a welcome gift on a minimum transaction of ₹500 within 45 days of card issuance.

Lets see the most of the benefits, fees, charges and advantages of the card:

• 350 reward points as bonus on joining.
• Flat ₹100 cashback on first SBI ATM withdrawal within 30 days of card issuance.
• 10% value back as reward points on booking of AC1, AC2, AC3, Executive Chair Car tickets via IRCTC website or app.
• 1 Reward Point on every ₹125 spent on no-fuel transaction.
• 1 complimentary domestic railway lounge access every quarter.
• 1% transaction charges waiver on Railway tickets booked through IRCTC.
• Get accommodation at more than 5000 hotels across 350+ cities in India.

For more details and updated terms condition, visit SBI Card Website.

HDFC Bank UPI RuPay Credit Card

HDFC bank has recently launched its first ever UPI enabled virtual card, HDFC UPI RuPay Credit Card. This virtual credit card allows users to link their card with any UPI enabled payments app and make payment easily. Earn 3% Cash Points on each UPI transaction as well as regular transactions. Whoever looking for a entry level low annual maintenance charges UPI credit card, HDFC UPI RuPay credit card is really considerable. Please make note, this is only a virtual credit card and no physical card will be provided.

Here are the features and benefits of HDFC Bank UPI RuPay Credit Card:

• 3% CashPoints on groceries, dining, and supermarket spends.
• 2% CashPoints on utility spends and 1% Cashpoints on other spends.
• 1 Cashpoints = ₹0.25
• 500 maximum CashPoints every billing cycle.
• CashPoints are not eligible for fuel spends, wallet loads, insurance payments, EMI transactions, govt payments.
• On spend of ₹25,000, yearly charges will be waived off.
• 3.6% monthly interest charge or 43.2% per year
• 3.5% forex markup fee per transaction
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher

For more details and updated terms condition, visit HDFC Bank website.

Best Lifetime Free Rupay Credit Cards for UPI Spends

ICICI Bank Coral Rupay Credit Card

ICICI bank recently launched ICICI Coral RuPay Credit Card variant with UPI payments enabled. ICICI Coral credit card already had 3 other payment network partners including Visa, Mastercard & AmEx, now they partnered with RuPay to make it more flexible to choose from. For existing ICICI bank customers, ICICI Coral RuPay credit card is pre-approved and lifetime free.

Earn 2 reward points on every ₹100 transactions via UPI payments and 10,000 bonus reward points from milestone program. ICICI Culinary Trats Program offers exclusive discounts on dinning from partner networks. Two movie tickets can be availed twice a month from BookMyShow and Inox app upto 25% discount.

ICICI Coral RuPay Credit Card also offers lots of benefits, includes:

• 1 Reward Point per ₹100 spend on utilities & insurance spends.
• 2 Reward Points per ₹100 spent on other categories.
• 1 Reward Point = ₹0.25
• 25% discount up to ₹100 on 2 movie ticket bookings twice a month on BookMyShow & INOX app.
• Up to 15% discount on dining via ICICI Culinary Trats Program.
• 4 Domestic Lounge Access every year (1 per quarter) on spending ₹5000 previous quarter.
• 1% fuel surcharge waiver across all HPCL station for transaction upto ₹4000.
• 3.40% monthly interest charge or 40.80% per year
• 3.5% forex markup fee on each transaction
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher

For more details and updated terms condition, visit ICICI Bank website.

Edge CSB RuPay Credit Card

EDGE CSB RuPay Credit Card is launched by CSB Bank and it is exclusively available on the Jupiter money App. This is the best RuPay Credit Cards for UPI payments gives you flat 5% cashback on Jupiter app & flat 1% cashback on other spends. EDGE CSB RuPay Credit Card enables the power of credit card with the flexibility of UPI payments.

Below are the benefits of the CSB EDGE RuPay Credit Card:

• EDGE CSB RuPay Credit Card is LTF (Lifetime Free) for first 2 Lakh users only.
• Welcome Voucher worth ₹250 on first UPI transaction using your credit card on Jupiter app.
• Upto 5% cashback on UPI transaction with credit card made on partner brands Amazon, Flipkart, Swiggy, Zomato, or Myntra (No minimum transaction value).
• Flat 1 % cashback on Non-UPI spends.
• Extra 1% cashback on ₹30,000 monthly spends milestone.
• 1% fuel surcharge waiver on transaction between ₹400 and ₹3,000 only, max ₹100 per billing cycle.
• 51 days Interest-free credit on UPI payments.
• 3.5% monthly interest charge or 42% per year
• 3.5% + GST forex markup fee on each transaction
• Rs. 10 for transactions upto Rs. 400, 1% of transaction value above 400
• ₹10 for below ₹400 & 1% Cash withdrawal fee of the amount if transaction above ₹400.

For more details and updated terms condition, visit CSB Bank website.

Tata Neu Infinity HDFC Bank Credit Card

HDFC bank has recently partnered with Tata and introduced two new UPI enabled credit cards, Tata Neu Infinity HDFC Credit Card and Tata Neu Plus HDFC Credit Card. This premium credit card provides 10% cashback as Neucoins on paying TataNeu app and 1.5% cashback on UPI transactions. Remember this card limit will be shared with your existing HDFC credit card.

HDFC is offering the Tata Neu Infinity Credit Card lifetime free for those who have minimum ₹1.5L credit limit on existing HDFC credit card, else ₹1499 + 18% GST annual charges will be applicable. Overall the best RuPay Credit Card among the all available RuPay cards right now, offers benefits like, free airport lounge access, free insurance coverage on card, etc.

Below are the benefits HDFC Tata Neu Infinity credit card offers:

• Welcome gift of 1499 bonus Neucoins will be credited on making 1 transaction within 30 days of card issuance.
• 10% cashback (as Neucoins) on the Tata Neu app and website.
• 5% cashback on UPI, Tata partner brands, & 1.5% cashback elsewhere.
• 1 NeuCoin = ₹1
• 2 complimentary domestic & 1 international lounge access every quarter. $27 + GST per visit will be charged extra if you exceed more than 1 per quarter limit.
• ₹1 crore Insurance cover against air accidents, ₹15 lakhs cover against emergency overseas hospitalization & ₹9 lakhs cover over lost card liability.
• If annual fee applicable, it can be waived off on spent of ₹3 lakhs last annual year.
• 1% fuel surcharge waiver applicable on fuel transactions between ₹400 and ₹5000 only, max capped at 500 per billing cycle.
• 3.49% monthly interest charge or 41.88% annually on over-due amount.
• 2% forex markup fee per transaction.
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher.

For more details and updated terms condition, visit HDFC Bank website.

Tata Neu Plus HDFC Bank Credit Card

Tata Nue Plus HDFC credit card is the lower variant of the Tata Neu Infinity card, but still it is a great entry level RuPay UPI credit card. It gives you 5% cashback as Neucoins on TataNeu app transactions & 1% cashback on UPI payments. Additional 499 Neucoins will be credited as welcome bonus after making first payment on Tata Neu app/website.

Tata brands including Tata 1MG, Titan, Tanishq, Croma, Air Asia will be eligible for 2% cashback & non-Tata brands will receive 1% cashback. Tata Neu Plus credit card holders will also get 1 complementary domestic lounge access per quarter and additional benefits including fuel surcharge waiver, zero liability over card lost, spend based annual fee waiver, etc.

Here are the best features of Tata Neu Plus HDFC RuPay Credit Card:

• 499 Tata NeuCoins as joining bonus after making first transaction.
• 5% cashback as Neucoins on Tata Neu app transactions.
• 2% cashback on Tata brands & additional 1% cashback on UPI payments and non-Tata brands.
• 1% fuel surcharge waiver on minimum transaction of ₹400 and ₹5000 maximum, all over fuel merchants, max capped at ₹250 per billing cycle.
• 1 NeuCoin = ₹1
• 1 complementary domestic airport lounge access each quarter, max 4 per year.
• Cardholder will be zero liable for credit card theft or loss, if reported within 7 days of incident happens.
• Neucoins will be valid for 1 year from the date of NeuCoins credited.
• 3.75% monthly interest charge or 45% annually on over-due amount.
• 3.5% forex markup fee per transaction.
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher.
• ₹99 will be charged for each redemption.

For more details and updated terms condition, visit HDFC Bank website.

Bank of Baroda Easy Rupay Platinum Credit Card

Bank of Baroda Easy Rupay Platinum Credit Card is a basic entry-level lifetime free credit card, that provides 5x reward points on selected categories. BoB released this RuPay variant card to give you freedom to pay using credit card via UPI.

Below are the best features & benefits of BoB Easy RuPay Platinum credit card:

• 5x reward points on each ₹100 spent on selected categories including groceries, movies, & departmental store purchase.
• 1x reward points on other categories & 0.5x reward points on bill payment.
• 1 reward point = ₹0.25
• Cardholder will have 0% liablity on card theft/lost/fraud transaction, if informed bank within 24 hours of activities happen.
• 3.25% interest per month on overdue credit card bill amount.
• 3.5% forex markup fees on international transaction.
• 2.5% cash withdraw fees will be applicable on withdrawn amount or minimum 300 at Domestic ATMs and 3.5% or 300 minimum at foreign ATMs.
• Up to 3 Free Add-on cards available with this card.

For more details and updated terms condition, visit Bank of Baroda website.

Axis Bank KWIK Rupay Credit Card

Kiwi is a fintech startup that offers virtual credit cards with the partnership of Axis Bank. Kiwi is offering this RuPay Axis Bank credit card lifetime free with UPI payments enabled. The best feature of the Axis Bank KIWI Rupay credit card is, you can earn real 2% cashback on UPI spends and interest free 45 days period.

Below we have mentioned the best features and benefits Axis KIWI RuPay credit card offers:

• Lifetime free UPI enabled credit card, without any joining and annual charges.
• 2 EDGE points on every ₹200 spent on card, including international.
• KIWI Axis RuPay Credit Card only available as virtual card, no physical card will be provided.
• No domestic or international airport lounge access are available.
• 1% fuel surcharge waiver on transaction of ₹400 to ₹4000 only, monthly capped at ₹150.
• ₹49 + taxes will be charged on reward redemption of 10,000 points and ₹99 + taxes for more than 10K points.
• 3.6% interest per month or 52.86% per annum on overdue credit card bill amount.
• 3.5% forex markup fees on international transaction.

For more details and updated terms condition, visit Axis Bank KWIK website.

Federal Bank RuPay Signet Credit Card

Federal Bank has recently collaborated with NPCI and launched RuPay Signet Credit Card with UPI payments enabled. The Federal Bank Signet Credit Card is lifetime free and offers a welcome bonus of ₹200 Amazon gift voucher on first transaction of the card. This card also provide you 3 reward points on every ₹100 spends on different categories.

Moreover you get 2 complimentary domestic & 1 complimentary international lounge access per quarter. Milestone benefits like Swiggy vouchers, buy one get one movie tickets, exciting discount across partners restaurants.

Checkout more benefits of Federal Bank RuPay Signet Credit Card:

• ₹200 Amazon gift voucher as welcome bonus will be credited after ₹3000 spend within 30 days of card issue.
• 1x reward points on every ₹100 spent.
• 2x reward points on entertainment category.
• 3x reward points on apparel and electronics.
• 1 Reward Point = ₹0.25.
• Buy 1 Get 1 movie tickets on Inox & PVR app/website.
• Upto 15% discount on dinning, select partnered restaurants.
• 4 International lounge access per year & 8 domestic lounge access per year.
• 1% fuel surcharge waiver on transaction value between ₹400 to ₹4000 only.
• ₹100 per add-on card charges applicable.
• 3.5% forex markup charges on international payments.
• Monthly interest rates starting from 0.49%.
• 2.5% cash withdraw charges or minimum ₹500, whichever is higher.

For more details and updated terms condition, visit Federal Bank website.

Best Rupay Credit Cards for Fuel and UPI Spends

ICICI HPCL Super Saver RuPay Credit Card

ICICI Bank has collaborated with Hindustan Petroleun Corporation Limited (HPCL) to launch a co-branded credit card for fuel spends benefits. ICICI HPCL Super Saver Credit Card comes with ₹500 joining & annual fees and UPI enabled payments. Unlike other co-branded reward credit cards which only provides cashback/reward points on a specific category, this HPCL ICICI Super Saver credit card gives you reward points on all spends.

You will get 4% cashback on fuel spends and 5% reward points on various spends, other benefits including exclusive airport lounge access, movies, dinning and milestone based rewards.

Lets uncover more features and benefits of ICICI HPCL Super Saver RuPay Credit Card:

• 2000 bonus reward points on spending ₹5000 within 45 days of card issuance.
• Flat ₹100 cashback on first fuel purchase of ₹1000 or more at HP Pay app.
• 4% cashback on HPCL station fuel spends
• 5x reward points on groceries and utility spends via UPI payments.
• 2x reward points on every ₹100 spend on any categories.
• ICICI bank 1 reward point = ₹0.25.
• 25% discount on minimum 2 tickets booked on BMS & INOX PVR, maximum ₹100 per transaction.
• Upto 25% discount on dinning under ICICI Bank Culinary Treats Program.
• 4 Complementary domestic lounge access under Visa Domestic Lounge Program.
• Annual fee of ₹500 waived off on ₹1.5L annual spends in previous year.
• 3.4% Interest charge will be applicable per month on overdue bills.
• 2.5% cash withdraw fees will be charged or minimum ₹300 whichever is higher.
• 3.5% forex markup charges + 18% GST on it.
• 24X7 Road Side Assistance (RSA) services available.

For more details and updated terms condition, visit ICICI Bank website.

IndianOil Kotak Rupay Platinum Credit Card

Kotak Mahindra Bank has partnered with Indian Oil Corporation Limited (IOCL) to launch Indian Oil Kotak Credit Card. This is a entry level UPI credit card with fuel benefits & extra rewards on each payments. With ₹449 annual charges this card gives you 4% cashback on Indian Oil fuel spends, dinning, groceries, etc. Approx 60 litre of petrol per year you can get as reward.

Benefits of IndianOil Kotak Rupay Platinum Credit Card:

• 1000 bonus reward points on first transaction of minimum ₹500 within 30 days
• 24 Reward Points on every ₹150 spent on IndianOil fuel.
• 12 Reward Points on ₹150 spent on dinning & 3 RPs on every ₹150 spends on other categories.
• Personal accident insurance cover worth ₹2L.
• 1 RP = ₹0.25
• No charges for add-on cards. But ₹100 charges for replacement of lost card.
• 1% fuel surcharge waiver on fuel transaction upto ₹5000 and maximum cap is ₹100 per billing cycle.
• 3.5% per month interest charge or 42% per annum on overdue amount.
• Forex markup fees 3.5% + GST.
• Cash withdrawal charges 2.5% or minimum ₹300 per ₹10,000 withdrawn.
• Annual fee waived on ₹50,000 spent on last financial year.

For more details and updated terms condition, visit Kotak Bank Website.

IndianOil Axis Bank Rupay Platinum Credit Card

Indian Oil Corporation Limited & Axis Bank jointly launched a co-branded UPI payment enabled credit card to gives you benefits on fuel spends. Whoever is travel enthusiast and have lots of fuel expenses they must have take the Indian Oil Axis bank RuPay Platinum credit card.

This card not only provides 5% cashback on Indian oil fuel spends, it also gives accelerated reward points on other spends. Additional benefits including instant discount on movie tickets, fuel surcharge waiver, dining at partner restaurants under Axis Bank Dining Delights program, etc.

Benefits of IndianOil Axis Bank Rupay Platinum Credit Card:

• As welcome bonus, 100% cashback upto ₹250 on first fuel spends within 30 days of card activation.
• 20 reward points on every ₹100 fuel spends on IOCL partnered stations.
• 5 RPs on every ₹100 transaction on online merchants.
• 1 EDGE point for every ₹100 on all other spends.
• 10% instant discount (up to ₹100) on movie tickets booked through BookMyShow.
• Annual charge will be waived on minimum ₹50,000 spends last year.
• 15% discount up to ₹500 on dinning bills through Axis Bank Eazy dinner program.
• Add-on card charges NIL.
• 1% fuel surcharge waived off upto ₹250 per month.
• Monthly interest charge of 3.4% on overdue bill or 49.36% per annum.
• 3.5% of International transaction amount.
• 3.4% of the total cash withdraw amount or ₹500 minimum.

For more details and updated terms condition, visit Axis Bank website.

Indian Oil HDFC Bank Credit Card

Indian Oil HDFC RuPay Credit Card is a co-branded credit card from HDFC bank, gives fuel points as rewards on each fuel spends. Upto 50 litres of free fuel can be availed with the fuel points earned. other than fuel points, the HDFC Indian Oil RuPay card also gives reward points on each transaction of groceries and departmental storage.

Lets check how good is the IndianOil HDFC Credit Card for fuel & UPI payments:

• 5% cashback as fuel points on IOCL fuel spends, groceries and bill payments.
• Up to 4.8% fuel points on every ₹150 spent on all other spends.
• 1 FP = ₹0.96 Paise on IndianOil XTRAREWARDS program portal.
• Zero liability to cardholder if card is lost/stolen and reported within 24 hours of incident.
• Fuel surcharge of 1% will be waived off on all spends across IOCL pumps.
• Annual fee waived on annual spends of ₹50,000.
• 3.6% monthly interest charge or 43.2% annually on over-due amount.
• 3.5% forex markup fee per transaction.
• 2.5% Cash withdrawal fee of the amount or minimum ₹500, whichever is higher.

For more details and updated terms condition, visit HDFC Bank website.

HPCL Bank of Baroda ENERGIE RuPay Credit Card

Hindustan Petroleum Corporation Limited (HPCL) and Bank of Baroda (BoB) jointly launched a new co-branded UPI credit card, HPCL Bank of Baroda ENERGIE RuPay Credit Card to give you 5% cashback on HPCL fuel transactions. This card also beneficial on other spends like groceries, departmental store purchased, discount on movie tickets and dinning.

If you are located any nearby HPCL station or loved to fueling from HP filling station, this BoB ENERGIE credit card is highly recommended for you. Earn up to 34 reward points on ₹150 every spends on HPCL fuel purchase, also 2000 bonus reward points as welcome benefits.

Below are the benefits of HPCL Bank of Baroda ENERGIE RuPay Credit Card:

• 2000 Bonus reward points on minimum ₹5000 spend within 60 days of card activation.
• 24 Reward points on every ₹150 fuel spent at HPCL filling center,
• 10 Reward points on every ₹150 spent on groceries & 2 RPs for other remaining spends.
• 1 Reward Points = ₹0.25
• 25% off up to ₹100 on movie tickets booked via Paytm Movies.
• 1 Complementary domestic lounge access each quarter.
• Flat ₹100 cashback on first transaction of minimum ₹1000 on HP Pay app.
• Fuel spends on HP Pay app, 1% fuel surcharge waiver will be applicable when transaction amount between ₹400 and ₹5000. Surcharge waiver capped at ₹100 per month.
• ₹499 renewal fees will be waived on annual spent of ₹50,000.
• Add-on cards are lifetime free.
• 3.49%/month interest charge or 41.88% annual charge will be applicable on overdue bill amount.
• Flat 3.5% forex markup fees charged on transaction amount + additional GST.
• Cash advance charge of 2.5% or minimum ₹500, whichever is higher.

For more details and updated terms condition, visit Bank of Baroda website.

IDFC First Bank HPCL Power Rupay Select Credit Card

IDFC First Bank partnered with HPCL and launched its first co-branded IDFC First Bank HPCL Power Rupay Select credit card, in association with RuPay (NPCI). Users can save up to 65 liters of fuel or ₹7000 every year, by using IDFC HPCL Power RuPay Credit Card. The card offers welcome benefits upto ₹1500 as cashback, 2.5% reward points on every fuel spend at HPCL fuel station.

Below are the benefits of IDFC First Bank HPCL Power Rupay Select Credit Card:

• 5% cashback up to ₹1000 on first non-EMI transaction, as welcome bonus.
• Up to 5% reward points on fuel spends at HPCL fuel stations.
• Up to 2.5% RPs on utility and groceries spend.
• 2.5% RPs on IDFC FASTag recharge & 2x rewards on other spends.
• Flat ₹150 discount on minimum orders of ₹500 or above on Swiggy.
• ₹2L personal accident cover and ₹25K lost card liability cover if reported within 24 hour.
• Renewal fee of ₹199 will be waived, if ₹50K spent last year.
• Best benefit of the card is: interest rate on overdue bills varies dynamically from 0.75%-3.5% per month.
• 1% fuel surcharge waiver up to ₹100 per month.
• Cash advance fee ₹199 charged on each withdraw.
• Refer friends and earn rewards upto 10,000 bonus RPs.

For more details and updated terms condition, visit IDFC First Bank website.

IDFC First Bank HPCL Power+ Rupay Select Credit Card

We have already discussed about IDFC Bank HPCL First Power Credit Card above, this is the Power+ variant with some upgraded offers and benefits. With the IDFC First Bank HPCL Power+ credit card, you can avail 4% reward on fuel and 5% reward on groceries and utilities bill payments.

IDFC HPCL Power+ Card offers welcome gift up to ₹1500 as reward points on first transaction made within 30 days of receiving card. It has joining and annual fees of ₹499, but have some amazing benefits like complimentary lounge access, roadside assistance service, up to 25% on movie tickets booking, etc.

Here are the benefits IDFC Bank HPCL First Power Plus Credit Card offers:

• Up to ₹500 reward points on first minimum transaction of ₹500 (non-EMI) at HPCL fuel station and Up to 5% (₹1000 max capped) on EMI transaction.
• Up to 5% reward points on groceries and other utilities spends, capped at ₹2000 per billing cycle.
• Up to 5% reward points on IDFC First bank FASTag recharge, max capped at ₹1000 per month.
• Up to 3x RPs on all other spends.
• 1 RP = ₹0.75
• 1 Complementary domestic lounge access per quarter.
• Complementary roadside assistance worth ₹1399 once per quarter.
• Personal accident cover of ₹2L & card lost liability of ₹25K, if reported bank on time.
• ₹99 will be charged additionally on every redemption request.
• Annual fee of ₹499 waived on ₹1.5L yearly spent.
• 1% Fuel surcharge fee waived up to ₹200 per month.
• Up to 50% discount on Eco Rent-A-Car and Europcar rentals.
• 3.5% Forex markup charges on transaction amount.
• Interest rate on overdue bill amount dynamically changes from 0.75% to 3.5% per month or 9% to 42% annually.
• Flat ₹199 cash withdrawal fees from ATMs.

For more details and updated terms condition, visit IDFC First Bank website.

Final Verdict on Best Rupay Credit Cards

We have listed over top 20 best RuPay credit cards in 2024 that provides good reward points with other offers and discounts. But there are so many other UPI enabled RuPay credit cards available, most of them are useless, so we didn’t considered into our top 20 lists. Lets check them out:

• Yes Bank: Yes Bank Prosperity Rewards Plus RuPay Credit Card
• State Bank Of India: SBI SimplySAVE Rupay Credit Card, Shaurya Select RuPay SBI Credit Card
• HDFC Bank: HDFC Bank MoneyBack Plus RuPay Credit Card, HDFC Bank Freedom RuPay Credit Card,
• IDBI Bank: IDBI Bank Winnings RuPay Credit Card
• Union Bank: Union Bank of India RuPay Platinum Credit Card

Out of the 20 best RuPay credit cards the most valuable and rewarding card we will recommend is: Tata Neu Infinity HDFC Bank Credit Card. This is undoubtedly number #1 RuPay credit card fulfilling all users need and value for money deal. Don’t wait, just apply now!