The RuPay Credit Card is a payment card for quick and easy transactions. With features such as low transaction fees, strong security, insurance coverage, and more, it has several benefits.
Introduced by the National Payments Corporation of India (NPCI), the RuPay Credit Card was designed to promote domestic payment systems. Users can pay bills, withdraw cash, shop, etc.
Below you will find all the information regarding the features, benefits, different types of RuPay Credit cards, steps to apply, eligibility, and so on!
You can apply for a RuPay Credit Card from top banks such as Axis Bank, BOB Bank, HDFC Bank, and more. These cards offer secure transactions with EMV chip technology with lower transaction fees.
Table of Contents:
Here is the list of all the RuPay Credit Cards by Bank and the number of RuPay Cards offered by each:
Rupay Credit Cards by Bank | Number of RuPay Cards |
---|---|
Axis Bank Rupay Credit Card | 4 Cards |
BOB Rupay Credit Card | 3 Cards |
HDFC Rupay Credit Card | 9 Cards |
ICICI Bank Rupay Credit Card | 3 Cards |
IDFC Rupay Credit Card | 2 Cards |
IndusInd Rupay Credit Card | 2 Cards |
PNB Rupay Credit Card | 6 Cards |
SBI Rupay Credit Card | 4 Cards |
Union Bank Rupay Credit Card | 6 Cards |
Kotak Rupay Credit Card | 3 Cards |
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Axis Bank offers various RuPay credit cards that meet specific needs and categories. These are Fibe, Indian Oil, Neo, and My Zone. Here is what you need to know about each of them:
Card Name | Purpose | Key Benefits |
---|---|---|
Fibe RuPay Credit Card | For first-time credit card users | Easy approval, affordability, & cashback. |
Indian Oil RuPay Credit Card | Save on fuel, shopping, & food | Cashback & reward points |
Neo RuPay Credit Card | Lifestyle & everyday expenses | Cashback, offers, & discounts |
My Zone RuPay Credit Card | Entry-level card for shopping, dining, & entertainment expenses | Affordable & suited for basic expenditures |
Now, let’s look at the Joining Fees and Annual Fees for each of these cards:
Axis Bank Rupay Cards | Joining Fees | Annual Fees |
---|---|---|
Fibe | No | No |
Indian Oil | 500 | 500 |
My Zone | 500 | 500 |
Neo | 250 | 250 |
The BOB (Bank of Baroda) RuPay Credit Card is a credit card offered by the Bank of Baroda in collaboration with the RuPay Credit Card. There are 3 types of BOB Bank RuPay Credit Cards:
Card Name | Purpose | Key Benefits |
---|---|---|
IRCTC RuPay BOBCARD | Train traveling | Rewards on train tickets, cashback, add-on cards, bonus rewards, & shopping benefits |
HPCL ENERGIE RuPay BOBCARD | Fuel savings at HPCL outlets | Up to 5% savings on fuel, 25% off on movie tickets, & reward points on grocery shopping |
SNAPDEAL RuPay BOBCARD | Snapdeal shopping & groceries | 5% unlimited cashback on Snapdeal, reward points on grocery, and online purchases, Snapdeal shopping vouchers worth up to ₹500 |
Below are the Joining Fees and Annual Fees for each of these cards:
BOB Bank Rupay Cards | Joining Fees | Annual Fees |
---|---|---|
IRCTC | 500 | 350 |
HPCL | 499 | 500 |
Snapdeal | 249 | 249 |
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The HDFC Bank Rupay Credit Card is designed to meet a wide range of needs and preferences. It comes with redeemable reward points, deals on shopping, travel, and more!
There are different types of HDFC Bank Rupay Credit Cards along with purpose and key benefits:
Card Name | Purpose | Key Benefits |
---|---|---|
HDFC Bank UPI RuPay Credit Card | Combines UPI payments with credit card convenience | Earn cash points on groceries, dining, utilities, & other spends. Up to 50 days of interest-free credit for UPI transactions |
HDFC Bank Freedom RuPay Credit Card | Rewards on select merchant payments | 10X CashPoints on partners like BigBasket, BookMyShow, Swiggy & Uber, 5X on EMI spends, 1 point for every ₹150 spent (excluding fuel and wallets) |
IRCTC HDFC Bank Credit Card | For frequent train travelers | Free lounge access, rewards on train tickets & cashback on travel expenses |
Indian Oil HDFC Bank Credit Card | Helps save on fuel expenses. | Fuel Points on fuel at Indian Oil outlets, reward points on groceries & utilities. |
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The ICICI Bank RuPay Credit Card allows cardholders to access rewards on UPI transactions and bill payments. There are 3 types of ICICI Bank RuPay Credit Cards and the table below gives you a brief overview of what you can expect:
Card Name | Purpose | Key Benefits |
---|---|---|
Sapphiro RuPay Credit Card | Luxury travel & lifestyle | Rewards, lounge access, golf, insurance, fuel waiver |
HPCL Super Saver RuPay | Fuel & everyday savings | 5% fuel cashback, movie discounts, reward points |
Coral RuPay Credit Card | Lifestyle & travel benefits | Lounge access, dining offers, rewards, fuel surcharge waiver |
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The IDFC FIRST Bank RuPay Credit Card supports seamless UPI transactions with benefits such as cashback, savings on utility, grocery, etc. Here are the 5 types of IDFC FIRST Bank RuPay Credit Cards and what you can expect:
Card Name | Purpose | Key Benefits |
---|---|---|
FIRST Millennia | For beginners | Lifetime free, rewards on spends, EMI options |
FIRST Classic | Basic rewards card | Lifetime free, reward points, fuel savings |
FIRST Select | Lifestyle benefits | Rewards, lounge access, insurance, concierge services |
FIRST Wealth | Premium privileges | Unlimited lounge access, golf benefits, concierge |
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The IndusInd Bank RuPay Credit Cards come with UPI linking facility which allows customers to access rewards, offers, and so on. It offers 2 types of cards which are as follows:
Card Name | Purpose | Key Benefits |
---|---|---|
Platinum RuPay Credit Card | Every day spends with UPI | UPI-enabled, reward points, fuel savings, no fees |
Poonawalla Fincorp eLITE RuPay Card | E-commerce and entertainment | UPI-enabled, rewards, movie offers, fuel savings |
The Punjab National Bank (PNB) RuPay Credit Card provides a range of credit cards tailored to meet various customer needs. These are:
Card Name | Purpose | Key Benefits |
---|---|---|
PNB RuPay Platinum Card | General spending | No annual fee, reward points, insurance |
PNB RuPay Select Card | Rewards and travel | Lounge access, rewards, insurance |
PNB RuPay Millennial Card | Lifestyle spending | Cashback, reward points, exclusive deals. |
PNB RuPay Rakshak Select Card | Defense personnel & families | Lounge access, rewards, insurance |
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The SBI (State Bank of India) RuPay Credit Cards cover various needs of the customers in everyday purchases for a quality banking customer experience, overall. Below are the RuPay Credit Cards offered by the SBI Bank:
Card Name | Purpose | Key Benefits |
---|---|---|
SBI SimplySAVE Credit Card | Shopping | Rewards on dining, movies, groceries; fee reversal |
BPCL SBI Octane Card | Fuel and travel | 7.25% value back on BPCL fuel, rewards on dining, groceries |
IRCTC RuPay SBI Card | Railway travel | 10% on AC tickets, no transaction fees, rewards |
Yatra SBI Card | Travel bookings | Discounts on flights, hotels, rewards on groceries |
SBI Shaurya Select Card | Defense personnel | Rewards on all spends, fuel surcharge waiver |
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The Union Bank RuPay Credit Card offers credit cards that help meet shopping, travel, and fuel expenses via rewards and cashback.
Card Name | Purpose | Key Benefits |
---|---|---|
RuPay Platinum Credit Card | General spending | Discounts & cashback on purchases, EMV Chip & PIN enabled for secure transactions |
RuPay Select Credit Card | Premium lifestyle | Rewards & access to exclusive offers |
The Kotak Mahindra Bank offers RuPay Credit Cards with various benefits, which are:
Card Name | Purpose | Key Benefits |
---|---|---|
Kotak UPI RuPay Credit Card | UPI-linked virtual card | UPI payments, lifetime free, rewards on spends |
IndianOil Kotak RuPay Credit Card | Fuel & shopping | Fuel savings, rewards on all spends, contactless payments |
Veer Select RuPay Credit Card | Premium lifestyle | Rewards on spends, contactless payments |
Metro RuPay Credit Card | Shopping | Rewards on spends, contactless payments |
Veer Platinum RuPay Credit Card | Premium lifestyle | Rewards on spends, contactless payments. |
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(Mention Table for Rupay Credit Cards)
Card Name | Key Benefits | Used For |
---|---|---|
Amazon Pay ICICI Bank RuPay Credit Card | Up to 5% cashback on Amazon & 1% on other expenditures | Online shopping, Amazon users |
Axis Bank Neo RuPay Credit Card | Discounts on entertainment, food delivery & shopping, fuel surcharge waiver. | New credit-card users |
BOB Snapdeal RuPay Credit Card | Discounts on Snapdeal & partner platforms, rewards & flexible EMI options. | E-commerce users |
The RuPay UPI Credit Cards combine the features of the RuPay Credit Card and UPI services. This also makes it unique among credit cards and here are the benefits that come with it:
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The eligibility criteria for RuPay Credit Cards differ based on the bank and the card type. However, here are some of the general requirements to be met:
Below are the general documents required to apply for the RuPay Credit Card:
Note that the detailed documents will depend on the bank’s requirements.
The application process for each RuPay Credit Card may vary from one bank to another. Here are the general guidelines to follow:
For online application, visit the bank’s official website and fill out the details as required.
For offline application, visit the nearest branch of the bank issuing the RuPay credit card. The bank will verify the details provided, including income and credit history.
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Below is a table to show the comparison between RuPay, Visa, and Mastercard.
Feature | RuPay | Visa | Mastercard |
---|---|---|---|
Acceptance | Widely accepted in India; growing globally | Accepted globally | Accepted globally |
Bank Fees | Lower issuing costs for banks | Higher interchange and processing fees | Higher interchange and processing fees |
Offers & Benefits | Focused on domestic perks (e.g., IRCTC, fuel, insurance) | Premium global offers | Premium travel, shopping, and dining benefits |
For online application, go to its official website, and for offline application, visit the nearest bank branch.
RuPay Credit Cards consist of various benefits such as safe transactions, exclusive discounts, reward points, cashback, etc.
The annual fees for the RuPay Credit Card vary depending on the bank and the card. Hence, ensure to check the official website of RuPay Credit Card.
Log in to your bank’s internet banking portal or app and enter your card details to complete the activation process. Verify your identity using the OTP sent to your registered mobile number and set a PIN for secure transactions.
The credit limits on RuPay credit cards can vary based on the bank, the card type, the applicant’s income, credit history, and repayment capacity.
Yes, you will gain rewards, cashback, and discounts with a RuPay Credit Card.
Yes, RuPay Credit Cards are widely accepted across India and abroad.
Visit the issuing bank's official website or refer to the specific app to check the RuPay Credit Card balance.
You can call the bank's customer care or use their mobile/internet banking services to report it. You can also block the card by sending an SMS or visiting the bank branch in person.
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