Which RuPay Credit Card is Best?
RuPay, the home-bred payment network of India, has been gaining currency, providing its citizens with an opportunity to make their card transactions in a safe and phishing-free environment. As far as the other global payment networks are concerned-Visa and MasterCard-RuPay collaborates with the best card issuers, such as HDFC, ICICI, and SBI, providing diverse credit cards in the market.
Ranging from offering rewards on UPI transactions, grocery shopping, fuel to travel, these credit cards cater to the varied requirements of the customers. But one of the major advantages that you get from RuPay credit cards is the ability to connect with UPI, making it convenient to avoid repeating the card details for payments.
So, here are the best RuPay Credit Card available in India that have helped you make a choice according to your needs:
1. HDFC Bank UPI RuPay Credit Card
Best Suited For: UPI Transactions
- Joining/ Annual Fee: ₹99
HDFC Bank UPI RuPay Credit Card This is a cash back credit card that suits those who look for some kind of reward against the UPI transaction. It can be simply added to UPI, through which payment can be made without any hassle at merchants, making it suitable for such frequent users of UPI in everyday transactions. If you’re unsure how to link your card, here’s a helpful guide on how to use a credit card in Google Pay that walks you through the process. It earns CashPoints for any transaction that has several redemption options for its rewards.
Key Features:
- 3% CashPoints on PayZapp transactions, grocery, supermarkets, and dining spend in a month, up to 500 points.
- 2% CashPoints on utility spend in a month, up to 500 points.
- 1% CashPoints on all other spends except on rent, fuel, EMI, and government spends.
- Redeem: 1 CashPoint = ₹0.25 or 0.25 Air Miles.
This card is designed for low-cost credit cards with UPI benefits associated with basic rewards on a daily spend.
2. Myntra Kotak RuPay Credit Card
Best Suited For: Online Shopping at Myntra
- Joining/ Annual Fee: ₹500
The Myntra Kotak RuPay Credit Card is a co-branded offering designed especially for online shoppers and is considered one of the Best RuPay Credit Card choices for fashion enthusiasts. It offers an instant 7.5% discount on all purchases at Myntra, making it ideal for frequent shoppers. In addition, cardholders enjoy savings on orders from partner merchants like Swiggy, Cleartrip, and Urban Company, adding even more value to this Best RuPay Credit Card for lifestyle and fashion spending.
Key Features:
- 7.5% instant discount on every transaction done at Myntra.
- Cashback 5% on partner merchants like Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company
- Cashback @ 1.25% on other categories
- Free Myntra Insider Membership
- Voucher of ₹ 500 on Myntra if spend happens to be over ₹ 500 in the first 30 days since card issuance
- 2 free PVR tickets every quarter upon achieving ₹ 50,000 spends
- 1 free domestic lounge access per quarter
- The perfect card for regular shoppers, who can save across purchases on Myntra and at merchant partners, as well as enjoy films and entertainment offers like movie tickets.
This card is an excellent option for frequent shoppers who want to save on both Myntra and partner merchant purchases, while also enjoying entertainment perks like movie tickets.
3. HDFC MoneyBack+ RuPay Credit Card
Best Suited For: Online Shopping and High Spenders
- Joining/ Annual Fee: ₹500
The HDFC MoneyBack+ RuPay Credit Card is considered one of the Best RuPay Credit Card options for online shoppers, offering generous rewards on platforms like Flipkart, Amazon, Swiggy, and BigBasket. As an accelerated CashPoints card, it’s perfect for big spenders who frequently opt for EMI purchases and want to save on everyday essentials.
Key Features:
- 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
- 5X CashPoints on EMI spent at merchant locations.
- 500 CashPoints as sign-up bonus.
- Reward vouchers with a value of ₹500 for reaching a quarterly spend of ₹50,000.
- Up to 20% discount at Dineout partner restaurants through Swiggy.
- Cashback of up to ₹350 in the first 6 months.
This card can be very rewarding with rewards on shopping done online and redeeming it as rewards.
4. Tata Neu HDFC RuPay Credit Card
Best Suited For: Shopping with Tata Brands
- Joining/ Annual Fee: ₹499 (Tata Neu Plus) / ₹1,499 (Tata Neu Infinity)
The Tata Neu HDFC RuPay Credit Card comes with a lot of value in terms of NeuCoins, especially for Tata brands such as Air India and Westside. The credit card is available in two variants: Tata Neu Plus and Tata Neu Infinity, and provides more NeuCoins on Tata Neu transactions.
Key Features:
- Up to 5% back as NeuCoins on Tata Neu and partner brands.
- 1.5% back as NeuCoins on spends on non-Tata brand and EMI.
- 8 domestic lounge access per year on Tata Neu Infinity variant.
- 4 international lounge access per year on Tata Neu Infinity variant.
This card suits shoppers loyal to Tata brands and further making the maximum possible rewards from purchases within the Tata ecosystem.
5. IRCTC SBI RuPay Platinum Credit Card
Best Suited For: Railway Ticket Bookings
- Joining Fee: ₹500 | Annual Fee: ₹300
The IRCTC SBI RuPay Platinum Credit Card is one of the Best RuPay Credit Card options for frequent train travellers, as it offers a 10% value back on rail reservations through the IRCTC website or mobile app, along with complimentary railway lounge access and additional rewards on non-fuel retail transactions.
Key Features:
- 10% value back on AC1, AC2, AC3, and Chair Car bookings
- 1% transaction charge waiver on railway ticket bookings via IRCTC
- 1 reward point for every ₹125 spent on non-fuel retail purchases
- 4 complimentary railway lounge access per year
The card should be liked by frequent train voyagers who do not want to pay bank charges on railway bookings and travelling benefits.
6. IndianOil Axis RuPay Credit Card
Best Suited For: Fuel Expenses at IndianOil Outlets
- Joining/ Annual Fee: ₹500
IndianOil Axis RuPay Credit Card is a fuel card for consumers who regularly purchase fuel from IndianOil outlets. It gives consumers an opportunity to earn reward points with value return up to 5% on all spends on fuel. There is also a reward with respect to any bookings on BookMyShow movie tickets.
Key Features:
- 4% value back on fuel spent at IndianOil outlets.
- 1% value return on online shopping spends.
- 10% off movies on BookMyShow.
- 1% fuel surcharge waiver between ₹400 and ₹4,000.
This card is suitable for the consumer who will want to save at fuel stations but get other benefits, including entertainment discounts.
7. ICICI HPCL Super Saver RuPay Credit Card
Best Suited For: Fuel Savings at HPCL Pumps
- Joining/ Annual Fee: ₹500
This credit card offers savings up to 6.5% on fuel purchases at HPCL pumps and cashback on grocery, departmental store purchases, and utility bill payments, thus making the product all-rounded for daily spends.
Key Features:
- 4% cashback on fuel purchase at HPCL pumps up to ₹200/month.
- 5% reward points on grocery and departmental store spends.
- ₹100 cashback on all recharges above ₹1,000 via the HP Pay app.
- 25% discount on movie ticket bookings through BookMyShow and INOX.
Recommended for those who look to cut their daily expenditure on fuel, besides cashbacks and entertainment delights.
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Conclusion
The Best RuPay Credit Card depends entirely on your spending habits and preferences. If you are a UPI user, the HDFC Bank UPI RuPay Credit Card would be a worthwhile reward to be discovered at such a minimal annual fee. If you are an eager buyer, especially on Myntra, the discounts and rewards offered by the Myntra Kotak RuPay Credit Card make it one of the Best RuPay Credit Card options for online shopping.
For those who spend big, the HDFC MoneyBack+ RuPay Credit Card is another Best RuPay Credit Card choice, offering high reward payouts. For frequent flyers, the IRCTC SBI RuPay Platinum Credit Card stands out as the Best RuPay Credit Card for train travel benefits. Anyone looking to save on fuel can consider the IndianOil Axis RuPay Credit Card or the ICICI HPCL Super Saver RuPay Credit Card, both considered among the Best RuPay Credit Card options for fuel savings and added perks.
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