Battle for the best RuPay Credit Card 💳

Hi everyone!

:thinking: What is the best RuPay Credit Card based on the following criteria?

RuPay credit cards are packed with features, but which one stands out as the best?
Based on:

  • Annual Fees & Joining Fees
  • Categories & Benefits Offered
  • Lifetime Free Option
  • Special Features (Lounge Access, Travel Insurance, etc.)

:credit_card: Here’s a list:

Let’s break it down to see which card wins in each category!

Name Joining fees Annual fees Best for
1.Bank of Baroda Premier RuPay Credit Card ₹1000 ₹1000 Travel
2. Federal Bank RuPay Signet Credit Card Nil Nil Entertainment
3. IDFC First Power RuPay Select Credit Card ₹199 ₹199 Groceries
4. Indian Oil HDFC Bank RuPay Credit Card ₹500 ₹500 Shopping
5. Tata Neu Infinity HDFC Bank Credit Card ₹1,499 ₹1,499 Shopping
6. Yatra SBI RuPay Credit Card ₹499 ₹499 Insurance
7. ICICI Coral RuPay Credit Card ₹500 + GST ₹500 + GST Lounge access
8. PNB RuPay Select Credit Card ₹500 Nil Lounge access
9. HDFC MoneyBack+ RuPay Credit Card ₹500 ₹500 Dining
10. Axis Fibe Axis RuPay Credit Card Nil Nil Lounge access
11. HDFC RuPay BizFirst Business Credit Card ₹500 ₹500 Dining
12. HPCL Energie RuPay BOBCARD ₹500 ₹500 Shopping
13. IRCTC RuPay BOBCARD ₹500 ₹350 Travel
14. ixigo AU RuPay Credit Card Nil Nil Lounge access
15. Kotak IOCL RuPay Credit Card ₹449 ₹449 Fuel
16. IDBI Bank LIC CSL Co-branded Eclat Select Credit Card Nil Nil Insurance
17. PNB EMT RuPay Platinum Credit Card ₹2000 ₹2000 Lounge access
18. Reliance SBI Platinum RuPay Credit Card ₹499 ₹499 Shopping
19. SNAPDEAL RuPay BOBCARD ₹249 ₹249 Fuel
20. Union Uni Carbon RuPay Credit Card ₹499 ₹499 Shopping
21. Myntra Kotak RuPay Credit Card ₹500 ₹500 Fuel
22. SBI Shaurya RuPay Select Card Nil ₹1499 Lounge access
23. IndusInd Samman RuPay Credit Card Nil ₹199 Fuel
24. HDFC Freedom RuPay Credit Card ₹399 ₹399 Travel
25. Kiwi RuPay Credit Card Nil Nil Travel, Dining, Shopping

To know more, we’ve covered a blog post too! -
Best RuPay Credit Cards in India for 2024


Also, if you don’t own a RuPay Credit Card yet, apply now for the 3-in-1 switch RuPay Credit Card here - Apply for RuPay Credit Card - Edge CSB Bank RuPay Credit Card



Which RuPay credit card would YOU crown as your favorite? Let us know in the comments!

@trust_level_0

5 Likes

You missed out on the Kiwi Credit Card and IndusInd Tiger Credit Card. Do check those out. Both are LTF, have no annual charges, Lounge access, and come with rewards on spends.

2 Likes

Added! :blob_thanks:

Isn’t this a VISA Credit Card though? :thinking:

Yes, my bad! Kiwi is Rupay.

2 Likes

Was eagerly waiting for a limit enhancement offer on my wife’s CSB Jupiter Edge Rupay Credit Card, as it’s been over a year since started using it.

Flipkart Axis Card: Received a limit enhancement offer, increasing from ₹25,000 to ₹80,000.
Amazon Pay Credit Card: Continuously getting card upgrade offers with zero joining fees.

Meanwhile, CSB Bank :man_facepalming:t2: From 40,000 to 20,000


@Lizann_Fernandez @Nikhil_Godbole

2 Likes

I have yesbank Paisabazar Paisasave co branded credit card, Which gives me 3% on online spending ( expect fuel, wallet, rent, utility and rent) 1.5% offline spending. It’s lifetime free. Virtual only credit card Rupay Credit card International partnar JCB .

By this card you can avail yes bank core card instent discount also . But only problem with this card worst customer care service and support.

2 Likes

Kiwi is best In co branded rupay segment after TATA Neu hdfc . Previous partner yes now axis. Virtual only credit card. 5% cashback on UPI spending, Can I adjusted the cashback into card due bill payment with 1:1 value ?

1 Like

I think they have revised the LTF aspect. Now it is Rs. 500 annual charges starting from 2nd year. It is also mentioned that Nil for Rupay Card. Do I get the option to select Visa/Mastercard/Rupay?

1 Like

Jupiter give me Jupiter edge card Pre approved lifetime free when it’s lunch, that time showing 60k , then after sometime they show 35k but when I applied they showing and given me only 20k :confused:

Even I can’t apply for rupay because I have Visa one by fed. All offer going on only for rupay one in Jupiter.

And Jupiter co branded card not supported 10% instant discount, edge card only give me 2% CB, where Amazon icici 3% and paisabazar also give me 3% for lifetime free.

1 Like

How to apply for edge csb Rupay credit card ?

1 Like

Same my own card’s credit limit reduced 50K.

1 Like

Click on Apply now link or download Jupiter, their will be credit card section

Paisabazar gives you pre approved offer based on your credit score, they give me offer that if I applied via their website I will receive paisabazar Mastercard ( which one 1st year free, but they give me ltf) and same limit not merged LTF Rupay paisabazar CC with same benefits with UPI also ( LTF for all) ( virtual only) .

But firstly they give 3% all online spending, but not limited only same as SBI cashback. Monthly cap ()

1 Like

5

Indusind platinum Rupay - best, LTF & PAN india available UPI credit card

1 Like

after devaluation it is not the best .6% is not a lot.

Did you get PaisaBazar Paisasave Rupay credit card without PaisaBazar Paisasave Master credit card? If yes then how as I heard that Rupay version of card is only complementary on getting Master card version which is not lifetime free. I am asking as I am also looking for same

1 Like

Indusind platinum rupay give 2 reward points for 100rs UPI spend so effectively it’s 1.20rs reward per 100rs spend after devaluation. And right now return rate is 1.80% for non cash redemption. (Best for any LTF UPI rupay card)
Kiwi axis/yes bank base Reward rate 1% without neon subscription.
Hdfc neo cards completely excluded after devaluation.

Yes you are right, Pb Yes Rupay Card came along with Mastercard. Rupay virtual is lifetime free and same benifits. Not mastercard.

Here both are primarily card, Linked with same credit limit. If you close mastercard, rupay card still active for lifetime free. But you can’t use it for pos transaction.

In my case I also received both master and rupay for lifetime free. And Yes I don’t receive any rupay physical version, customer care told me that if I request they can give me physical version of this card as well. But I need to pay 150+GST for this.

I’ve RBL Paisabaazar Duet credit card which is LTF and it gives me cashbacks time to time which reflects in statements.

That’s why I use it quite often along with CSB Edge.

2 Likes