There are many individuals who wonder what would be the right Credit card for their business or personal use. RuPay Credit Cards are considered to be the best if you are an Indian Resident. If offers many privileges to their customers that makes them satisfied with the Credit Card.
Best RuPay Credit Cards for UPI Payments
When we talk about the best RuPay Credit Card in India 2025, we also know that it can vary as per the needs. So, keeping everything in mind we have come forward with RuPay Credit Card lists that might tailor your requirements and assist you with it’s services.
Top 10 RuPay Credit Cards for UPI Payments
Below is the list of Top RuPay Credit Cards that one can use easily and make savings at the same time:
SBI SimplySAVE UPI Rupay Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- The credit card is accepted globally.
- There is a welcome gift worth 2000 reward points.
- One can prefer contactless payment.
- Payments can be done via UPI.
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee: Rs 1499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome bonus worth 1499 NeuCoins.
- Offers Insurance coverage.
- Comes with airport lounge access.
- Great deals and discounts while shopping from TATA brands.
Axis My Zone Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 100% cashback offer on your first Swiggy order.
- 25% cashback on movie tickets.
- Card offers contactless payments.
- Free 4 domestic airport lounge access each year.
IndusInd Bank Platinum RuPay Credit Card
Annual Fee: Rs 3000+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Gift voucher from various brands.
- Various discounts on services like dining, entertainment, etc.
- The credit card is accepted globally.
- Offers contactless payments for convenience.
ICICI Bank Coral Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Up to 15% discount at selected restaurants.
- Reward points on selective purchases.
- Access to contactless payments.
- 1% fuel waiver allowed at petrol stations.
Edge CSB Bank RuPay Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- The card allows contactless payments.
- Offers insurance coverage.
- Card comes with complementary airport lounge access.
- The card is accepted globally.
UNI Carbon Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 5% cashbacks at HPCL stations.
- 1% cashbacks on expenses other than fuel.
- Card Tap for instant and contactless payments.
Bank of Baroda Easy Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- High amount purchases can be converted into EMI.
- Many reward points and cashback on transactions.
- Simple and easy to operate.
ICICI Bank Rubyx Credit Card
Annual Fee: Rs 2000+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome Voucher up to Rs 5000.
- Reward points on payment and purchases.
- Access to airport lounge.
- Card allows contactless payments.
Shoppers Stop HDFC Bank Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Access to First Citizen Membership Benefits.
- Gift voucher worth Rs 500.
- Earn easy reward points while shopping through Shoppers Stop.
- Availability of contactless payments.
SBI SimplySAVE UPI Rupay Credit Card Overview
SBI SimplySAVE UPI Rupay Credit Card is a simple and basic card with all the necessary features like reward points on everyday purchases, payments of utility bills and many others. Like any other credit card, it offers fuel waiver and even discounts on shopping and entertainment. It is ideal for individuals who prefer UPI payments.
Tata Neu Infinity HDFC Bank Credit Card Overview
HDFC Bank has designed this credit card in partnership with TATA. The ones who shop from TATA brands through the TATA Neu app can get great offers and discounts through credit card. It is made for people who love to shop from TATA brand and like receiving rewards for the same. The credit card also offers milestone Benefits that the card holder can use to their advantage.
Axis My Zone Credit Card Overview
Axis My Zone Credit Card is ideal for individuals who enjoy living their life to the fullest. The card offers some great deals to enhance your lifestyle may it be dining out, watching a movie or going for a vacation. Along with the experience, the credit card also offers great deals on cashbacks and rewards.
IndusInd Bank Platinum RuPay Credit Card Overview
IndusInd Bank Platinum RuPay Credit Card comes under premium range that tends to provide luxurious experience. As it comes under the Rupay network, one can benefit through UPI payments as it provides easy access and convenience. It is ideal for individuals looking for a premium credit card to enhance their lifestyle and get reward points in return as well.
ICICI Bank Coral Credit Card Overview
This is a beginner friendly credit card which is easy to operate and mange. It offers deals across various categories including the dining, entertainment and Shopping. It provides fuel waiver and even complementary airport lounge access that increases your comfortability. Even if it does not come with UPI payment facility, it does allow access to certain wallet where one can link the credit card for UPI payments.
Edge CSB Bank RuPay Credit Card Overview
This credit card is a cost effective option for individuals to manage their day spending. It provides discounts to the card holder for shopping. One can dine and redeem reward points. It is easier to make utility payments through UPI as well. It enhances your lifestyle and helps increase your reward points.
UNI Carbon Credit Card Overview
UNI Carbon Credit card is designed in partnership with Hindustan Petroleum Corporation Limited and Uni Cards. It is ideal for people who frequently spend money on fuel. This credit card allows cashbacks and discounts over the expenditure of fuel at the HPCL stations. One can save fuel costs and claim reward points at the same time.
Bank of Baroda Easy Credit Card Overview
This credit card is simple and easy to access. One can use the same for everyday payments or purchases. If you are someone looking for a straightforward credit card that provides good value and is budget friendly in nature then this is a good pick.
ICICI Bank Rubyx Credit Card Overview
This is one of the most premium designed credit card that offers exclusive lifestyle offers. One can grab their hands on this credit card and get great deals on shopping, dining, entertainment and many other categories. It is deal for people who travel frequently and seek premium services and lifestyle
Shoppers Stop HDFC Bank Credit Card Overview
This credit card is made with the partnership of Shoppers Stop. It is ideal for individuals who like to shop from Shoppers Stop and also the complementary access of First Citizen Membership Benefits. This access allows the user to avail access to various offers, sale deals and many other exclusive discounts.
How Does a RuPay Card Work?
A RuPay Card is designed to be used within India. Like any other International card, this credit card is also used for purchases, payments and lifestyle spending. One can apply for RuPay UPI credit card and create value for themselves as it is very cost effective in nature.
RuPay Credit Card Variants
As different customers have their own requirements relating to the credit card, there are various credit card variants for each requirement. It offers access of RuPay Credit Card on UPI to make it more comfortable and convenient for the users. The RuPay Credit Card variants include-
- RuPay Classic Credit Card
- RuPay Select Credit Card
- RuPay Global Credit Card
- RuPay Platinum Credit Card
- RuPay Business Credit Card
How To Make UPI Payments Using RuPay Credit Card
One can easily make UPI payments using the RuPay Credit Card with the following steps-
- Download the UPI app, it can be any app that support RuPay Credit Card like Gpay, Paytm, etc.
- Link the credit card to the UPI app by entering the credit card details
- Make a payment via UPI of the receiver, selecting the RuPay credit card option
- Enter the pin and the payment will be made via UPI using the RuPay Credit Card
RuPay Credit Cards Benefits
There are many benefits that attracts people to go for a RuPay Credit Card. Some of the benefits of the credit card includes-
- Easy and convenience packet in a single credit card.
- The UPI payments are said to be more secure.
- One does not need a physical card to make payments.
- Some card are accepted globally.
- Avail reward points via UPI payments.
Conclusion
We have seen that RuPay Credit Card works well within India. This makes it the most preferable choice for many individuals. The card is simple to use and is also made very cost effective in nature. If you choose to go with this Card then be sure that you’ll receive good reward points and some great deals that you won’t be able to resist.
FAQs
Which RuPay Credit Card is the best?
The Bank of Baroda Easy Credit Card is considered to be the best.
Visa or RuPay which credit card is better?
RuPay is said to be better as it is considered to be more secure.
Can I use RuPay Credit Card on Gpay?
Yes, you can add the RuPay Credit Card and link the same to make payments.