Best Rupay Credit Cards in India 2026

Benefits of Rupay Credit Cards

The benefits of using the Rupay credit card are listed below:

• Seamless integration with Upi apps
• Exclusive travel perks
• Low transaction fees
• Earn cashback, discounts, rewards, and more
• No CVV or OTP is required for payments

Top Rupay Credit Cards in India 2026

Top RuPay credit cards in India 2026. Compare benefits, annual fees, eligibility, and exclusive UPI rewards in one place.

SBI SimplySAVE UPI Rupay Credit Card

• Joining Fee: Rs. 499 + GST
• Annual Fee: Rs. 499 + GST
• Best Suited For: Shopping
• Rewards Type: Reward Points

Rewards Rate

• Link card on various UPI platforms
• 1% fuel surcharge exemption
• Waive off the annual fee by spending Rs. 1,00,000 or more
• 10X reward points when spent on dining, movies, and more
• 1 reward point on other expenses

Welcome 

• Welcome 2000 reward points worth 2000 Rs in 60 Days 

Tata Neu Plus Credit Card

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST
• Best Suited For: Shopping
• Rewards Type: NeuCoins

Rewards Rate

• Four complimentary domestic lounge visits per year
• spend ₹1,00,000 or more in a year and waive the renewal fee
• 50-day interest-free period
• Ensure zero liability for any fraudulent transactions

Welcome 

• Welcome gift of 499 NeuCoins

IndusInd Bank Platinum RuPay Credit Card

• Joining Fee:Nil
• Annual Fee: Nil
• Best Suited For: Shopping
• Rewards Type: Reward Points

Rewards Rate

• Lifetime free card
• Link your card with all your UPI apps
• Earn 2 reward points on UPI transactions
• 1% fuel surcharge exemption across India
• On non-Upi transactions, get 1 reward point
• Get 2 domestic airport lounge access quarterly for free
• Complementary travel insurance benefit

Welcome 

N/A

Axis Bank My Zone Credit Card

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
• Best Suited For: Shopping
• Rewards Type: Reward Points

Rewards Rate

• Get a yearly subscription to the Sony LIV app after the first transaction
• Get Rs.120 off twice a month on Swiggy 
• Buy one get one movie ticket via the District app
• Spend Rs.2,999 or more on Ajio and get up to Rs.1000 off
• Get one domestic airport lounge access quarterly
• Spend Rs.200 and earn 4 EDGE Reward points
• Convert expenses of Rs.1500 or above into easy EMIs
• Get up to 15% off on dining across India once a month

Welcome

N/A

BOBCARD Easy Credit Card

• Joining Fee: Nil
• Annual Fee: Nil
• Best Suited For: Shopping | Food
• Rewards Type: Reward Points

Rewards Rate 

• 0.5% cashback on payment of the credit card bill
• Minimum joining and renewal fees
• Spend 100 Rs on shopping and get up to 5 reward points
• Convert expenses of Rs 2500 or above into simple EMIs
• Add up to 3 family members for a lifetime
• Spend 100 Rs on the movie and get 5 reward points

Welcome 

500 Reward Points on spend 500 rs in 60 days

HDFC Bank RuPay IRCTC Credit Card

• Joining Fee: Rs. 500 + GST
• Annual Fee: Rs. 500 + GST
• Best Suited For: Travel
• Rewards Type: Reward Points

Rewards Rate 

• Spend Rs.30,000 or more in 90 days and earn an Amazon voucher worth Rs.500
• Link your card with all your UPI apps and earn 500 reward points monthly on UPI expenses
• Book tickets through IRCTC and earn 5X reward points
• Earn 1 reward point on every Rs.100 spent
• Book tickets through the IRCTC app, and pay via HDFC SmartBuy to get an extra 5% off
• 1% fuel surcharge exemption across India
• Waive transaction fees on ticket booking on the IRCTC app
• Free 8 railway lounge access yearly

Welcome 

• Receive an Amazon voucher worth Rs.500 on the first transaction within a month.

IDFC HPCL First Power Credit Card

• Joining Fee: ₹199 + GST
• Annual Fee: ₹199 + GST
• Best Suited For: Fuel
• Rewards Type: Reward Points

Rewards Rate 

• Get up to 5% cash back on the first Emi transaction value
• Receive Rs.500 off pn Zoomcar rentals
• Get roadside assistance worth Rs.1399 4 times a year
• 1% fuel surcharge exemption
• Save 2.5% on grocery and utility expenses
• Save  2.5% on IDFC Fastag recharge
• Save  2.5% on HPCL and LPG fuel expenses
• Save up to 5% on fuel expenses
• Complimentary accident and card insurance benefit

Welcome

• Earn Rs 250 cashback on the first fuel transaction at HPCL pumps

ICICI Bank Coral Credit Card

• Joining Fee: Rs. 500 + GST
• Annual Fee: Rs. 500 + GST
• Best Suited For: Movies | Dining
• Rewards Type: Reward Points

Rewards Rate

• Earn 1000 bonus reward points by spending Rs.1 lakh annually
• Spend Rs.2 lakh and get 2000 reward points
• Free 4 domestic airport lounge access yearly
• Free 4 railway lounge access yearly
• Receive a discount of 15% or more on dining at selected restaurants (minimum Transaction of Rs.2500)
• Buy two movie tickets on BookMyShow and get Rs.100 off twice a month
• Spend Rs.1.5 lakhs or more in a year and waive off annual fee
• 1% fuel surcharge exemption at HPCL
• Get 2 reward points on Rs.100 expenses
• Get 1 reward point on utility and insurance expenses

Welcome

N/A

Why you should select these cards

Credit Card Name	Reason to select
SBI SimplySAVE UPI Rupay Credit Card	Versatile credit card that seamlessly links to various UPI platforms for hassle-free transactions. Earn generous reward points, including a special welcome bonus, with rewarding and cost-effective cards.
Tata Neu Plus Credit Card	Enjoy a rewarding credit card experience with a welcome gift of NeuCoins and complimentary domestic lounge access. From insurance benefits to an interest-free period, this card offers security and cost-effectiveness.
IndusInd Bank Platinum RuPay Credit Card	A lifetime free credit card with seamless UPI integration that allows you to earn reward points on every transaction. Exclusive benefits on travel, fuel, shopping, and insurance make the card a perfect blend of convenience, rewards, and travel perks.
Axis Bank My Zone Credit Card	a feature-packed credit card with exciting entertainment, dining, and shopping benefits. Earn reward points on spending, access easy EMI options, and enjoy travel perks. A perfect rewarding lifestyle card.
BOBCARD Easy Credit Card	With minimal joining and renewal fees, this card offers the flexibility to convert larger expenses into easy EMIs. Cashback on bill payments and attractive rewards on shopping and movie spending make it a convenient, value-packed choice.
HDFC Bank RuPay IRCTC Credit Card	This card is perfect for frequent travelers and everyday spenders alike. Enjoy a feature-rich credit card with exciting rewards and travel benefits. Link your card with UPI for monthly reward points.
IDFC HPCL First Power Credit Card	Enjoy a rewarding credit card designed for fuel savings and everyday expenses. Enjoy discounts on EMI transactions, special savings on groceries, utilities, Fastag recharges, and LPG expenses. A valuable choice for both travel and daily spending.
ICICI Bank Coral Credit Card	This card offers a perfect mix of travel, entertainment, and lifestyle benefits. Benefit from fuel surcharge exemptions, earn rewards on everyday expenses and even waive the annual fee by meeting spending milestones.

Conclusion

RuPay credit cards offer a seamless, secure payment experience through UPI integration, making transactions more convenient. With exclusive travel perks, low transaction fees, and rewards such as cash back, discounts, and reward points, these cards deliver excellent value.

Additionally, the hassle-free payment process that does not require CVV or OTP enhances user convenience, making RuPay credit cards an innovative and efficient choice for everyday spending.

Frequently Asked Questions (FAQ)

How to link a Rupay credit card with the UPI app?

To link your Rupay credit card with the UPI app, follow these steps:

Step 1: Open your UPI app and log in to your account

Step 2: Search for ‘add credit card’ or ‘link credit card’ 

Step 3: Select your credit card bank and fill in your card details

Step 4: Lastly, set the UPI Pin.

Does every RuPay credit card work with UPI?

No, not all RuPay credit cards can be linked with Upi. Currently, only a limited number of banks offer the option to link RuPay credit cards to the UPI app.  

What are the eligibility criteria for a RuPay credit card?

Eligibility criteria for a RuPay credit card vary by bank. However, the standard eligibility criteria are:

Age: Should be above 18 years

Employment: Salaried or Self-employed

Resident: Indian

Credit score: Must have a good Cibil score