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
Shopping
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Shopping
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Movies | Shopping | Food
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Shopping | Food
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Travel
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Movies | Dining
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Credit Card Name | Best For | Key Benefits | Annual Fee | Eligibility Criteria |
SBI Card RuPay Platinum Credit Card | Everyday Spending & Shopping | - 1 Reward Point for every ₹100 spent. - Complimentary access to domestic lounges. - Exclusive shopping discounts. | ₹499 | Minimum annual income of INR 3 lakh. |
HDFC Bank RuPay Platinum Credit Card | Shopping & Dining | - 1.5% cashback on dining, groceries, and fuel. - 1 Reward Point for every ₹150 spent. - Discounts on lifestyle brands. | ₹500 | Minimum annual income of INR 2.5 lakh. |
Axis Bank RuPay Gold Credit Card | Lifestyle & Shopping | - 1 Reward Point for every ₹100 spent. - Shopping discounts with partner brands. - Complimentary access to lounges. | ₹500 | Minimum annual income of INR 3 lakh. |
Punjab National Bank RuPay Premium Credit Card | Shopping & Entertainment | - 2 Reward Points for every ₹100 spent on dining, shopping, and entertainment. - 1 Reward Point for every ₹100 spent on others. | ₹750 | Minimum annual income of INR 2.5 lakh. |
Bank of Baroda RuPay Credit Card | Everyday Shopping | - 0.75% cashback on all spends. - 1 Reward Point for every ₹100 spent. - Exclusive discounts on dining and shopping. | ₹300 | Minimum annual income of INR 2 lakh. |
IndusInd Bank RuPay Platinum Credit Card | Shopping & Dining | - 5% cashback on online and retail shopping. - 1 Reward Point for every ₹100 spent. - Discounts on dining. | ₹999 | Minimum annual income of INR 4 lakh. |
RBL Bank RuPay Platinum Credit Card | Entertainment & Shopping | - 1 Reward Point for every ₹100 spent. - Exclusive movie and dining discounts. - Welcome bonus points on first purchase. | ₹500 | Minimum annual income of INR 3 lakh. |
Credit Card Name | Why Choose This Card |
SBI Card RuPay Platinum Credit Card | Best for everyday shoppers with good benefits like reward points, domestic lounge access, and exclusive shopping discounts. |
HDFC Bank RuPay Platinum Credit Card | Perfect for those who spend on dining, groceries, and fuel with cashback benefits and discounts on lifestyle brands. |
Axis Bank RuPay Gold Credit Card | Ideal for shoppers and those seeking rewards, along with great discounts on shopping and lounge access. |
Punjab National Bank RuPay Premium Credit Card | Excellent for those who love dining, shopping, and entertainment with higher reward points for these categories. |
Bank of Baroda RuPay Credit Card | Best for regular shoppers who want cashback on every spend along with added discounts. |
IndusInd Bank RuPay Platinum Credit Card | Great for online and retail shopping lovers with cashback rewards and discounts on dining. |
RBL Bank RuPay Platinum Credit Card | Ideal for those who enjoy entertainment, offering rewards on all spends and discounts on movie tickets and dining. |
When choosing the best RuPay credit card, consider the following:
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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