RuPay credit cards are gaining popularity in India due to their affordability and exclusive offers. Unlike international cards like Visa and MasterCard, RuPay cards are issued by the National Payments Corporation of India (NPCI) and are designed to cater to the domestic market. RuPay credit cards offer great benefits, including low annual fees, special discounts, and rewards tailored for Indian consumers. In this guide, we’ll explore the best RuPay credit cards


SBI SimplySAVE UPI Rupay Credit Card

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.


Tata Neu Plus HDFC Bank Credit Card

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

499 NeuCoins


IndusInd Bank Platinum RuPay Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


Axis My Zone Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Movies | Shopping | Food

Reward Type

Reward Points

Welcome Benefits

Free SonyLiv Subscription Worth Rs. 999


BOBCARD Easy Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping | Food

Reward Type

Reward Points

Welcome Benefits

500 Reward Points on Spends of ₹5,000 Within 60 Days of Card Issuance


HDFC Bank RuPay IRCTC Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.


IDFC HPCL FIRST Power Credit Card

Joining Fee

₹199 + GST

Renewal Fee

₹199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Up to ₹250 cash back on your 1st HPCL fuel transaction above ₹250 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.


ICICI Bank Coral Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Movies | Dining

Reward Type

Reward Points

Welcome Benefits

N/A


 

Top RuPay Credit Cards in India for 2025

Credit Card NameBest ForKey BenefitsAnnual FeeEligibility Criteria
SBI Card RuPay Platinum Credit CardEveryday Spending & Shopping- 1 Reward Point for every ₹100 spent. - Complimentary access to domestic lounges. - Exclusive shopping discounts.₹499Minimum annual income of INR 3 lakh.
HDFC Bank RuPay Platinum Credit CardShopping & Dining- 1.5% cashback on dining, groceries, and fuel. - 1 Reward Point for every ₹150 spent. - Discounts on lifestyle brands.₹500Minimum annual income of INR 2.5 lakh.
Axis Bank RuPay Gold Credit CardLifestyle & Shopping- 1 Reward Point for every ₹100 spent. - Shopping discounts with partner brands. - Complimentary access to lounges.₹500Minimum annual income of INR 3 lakh.
Punjab National Bank RuPay Premium Credit CardShopping & Entertainment- 2 Reward Points for every ₹100 spent on dining, shopping, and entertainment. - 1 Reward Point for every ₹100 spent on others.₹750Minimum annual income of INR 2.5 lakh.
Bank of Baroda RuPay Credit CardEveryday Shopping- 0.75% cashback on all spends. - 1 Reward Point for every ₹100 spent. - Exclusive discounts on dining and shopping.₹300Minimum annual income of INR 2 lakh.
IndusInd Bank RuPay Platinum Credit CardShopping & Dining- 5% cashback on online and retail shopping. - 1 Reward Point for every ₹100 spent. - Discounts on dining.₹999Minimum annual income of INR 4 lakh.
RBL Bank RuPay Platinum Credit CardEntertainment & Shopping- 1 Reward Point for every ₹100 spent. - Exclusive movie and dining discounts. - Welcome bonus points on first purchase.₹500Minimum annual income of INR 3 lakh.

 

Why We Choose This Card

Credit Card NameWhy Choose This Card
SBI Card RuPay Platinum Credit CardBest for everyday shoppers with good benefits like reward points, domestic lounge access, and exclusive shopping discounts.
HDFC Bank RuPay Platinum Credit CardPerfect for those who spend on dining, groceries, and fuel with cashback benefits and discounts on lifestyle brands.
Axis Bank RuPay Gold Credit CardIdeal for shoppers and those seeking rewards, along with great discounts on shopping and lounge access.
Punjab National Bank RuPay Premium Credit CardExcellent for those who love dining, shopping, and entertainment with higher reward points for these categories.
Bank of Baroda RuPay Credit CardBest for regular shoppers who want cashback on every spend along with added discounts.
IndusInd Bank RuPay Platinum Credit CardGreat for online and retail shopping lovers with cashback rewards and discounts on dining.
RBL Bank RuPay Platinum Credit CardIdeal for those who enjoy entertainment, offering rewards on all spends and discounts on movie tickets and dining.

 

How to Choose the Best RuPay Credit Card for You?

When choosing the best RuPay credit card, consider the following:

  • Spending Habits: Choose a card that aligns with your primary spending categories (e.g., dining, shopping, groceries).
  • Rewards & Cashback: Opt for a card that offers high rewards or cashback in the areas where you spend the most.
  • Eligibility Criteria: Ensure that you meet the eligibility criteria, including income and credit score requirements.
  • Additional Benefits: Look for other perks like discounts on partner brands, access to lounges, and movie ticket offers.

 

Conclusion

RuPay credit cards are an excellent option for those who want a credit card that offers local benefits, low annual fees, and rewards. With a range of options available, these cards cater to different spending preferences, whether you’re shopping, dining, or just going about your everyday activities. The cards listed above are some of the best RuPay credit cards available in 2025, offering great rewards, cashback, and benefits tailored to Indian consumers.

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