RuPay Credit Card


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.

List of All RuPay Credit Cards By Banks

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

Read More

Read Less

You can apply for Rupay Credit Cards with Buddy Cards! Pick from the range of credit cards customized for your needs!

Get Zero Annual Fee Credit Cards in one click.

Axis Bank RuPay Credit Card

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

BOB Bank RuPay Credit Card

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

Don't know your credit score? You can find out for free!

Check Your Credit Score for Free

Also get a Free Credit Report

HDFC Bank Rupay Credit Card

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.

One Click Away from the Best No Annual Fee Credit Cards

ICICI Bank RuPay Credit Card

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

Need a Credit Card? Check your Credit Score now!

IDFC FIRST Bank RuPay Credit Card

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

Unlock exclusive card offers from India's leading banks!

Induslnd Bank RuPay Credit Card

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

PNB Bank RuPay Credit Card

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

Get Zero Annual Fee Credit Cards in one click!

SBI Bank RuPay Credit Card

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

Get Credit Cards with No Annual Fee in Just One Click!

Union Bank RuPay Credit Card

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

Kotak Mahindra Bank RuPay Credit Card

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.

Find Zero Annual Fee Credit Cards – Apply with One Click!

Best Lifetime Free RuPay Credit Cards

(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

Benefits of UPI RuPay Credit Cards

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:

  1. Seamless Integration: RuPay Credit Cards can be easily linked to UPI which makes transactions much easier. The QR scan feature of UPI promotes cashless payments and the hassles of card swipes.
  2. Reward Points: Users can earn reward points on transactions as well as cashback and discounts for a better purchase experience.
  3. Better Convenience: Combines the flexibility of credit card payments with UPI’s instant and easy payment features.
  4. No Additional Charges: Compared to regular card transactions, customers need not pay any fees for using UPI RuPay Credit Cards.
  5. Secure Transactions: UPI transactions come with a 4-digit PIN and 2-factor authentication which add extra security for payments.

Are you looking for a personal loan?

RuPay Credit Card Eligibility Criteria

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:

  1. The applicant must be an Indian citizen.
  2. The applicant must be salaried and meet the bank's minimum income requirement.
  3. The minimum age of the applicant is 18 years old. The maximum age limit varies based on the card type.
  4. The applicant should have a minimal annual income and minimum credit score.

Documents Required for RuPay Credit Card

Below are the general documents required to apply for the RuPay Credit Card:

  1. Identity Proof
  2. Passport Size Color Photograph
  3. Income Proof
  4. Address Proof

Note that the detailed documents will depend on the bank’s requirements.

Apply for a RuPay Credit Card

The application process for each RuPay Credit Card may vary from one bank to another. Here are the general guidelines to follow:

  1. Visit the Credit Card page for the respective bank & register with your phone number.
  2. Fill out the online Credit Card Application Form (with personal, income, delivery address & other details)
  3. Have the required documents ready (Authenticate with Aadhaar e-KYC for a quick online document verification)
  4. Once approved by the Bank, Complete the Video KYC (for online experience)
  5. Get your card delivered to your address (as per the bank).

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.

Apply for a Lifetime Free Credit Card Now!

RuPay vs Visa vs Mastercard

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

Frequently Asked Questions

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​.

Display of trademarks, trade names, logos, and other subject matters of Intellectual Property displayed on this website belongs to their respective intellectual property owners & is not owned by Bvalue Services Pvt. Ltd. Display of such Intellectual Property and related product information does not imply Bvalue Services Pvt. Ltd company’s partnership with the owner of the Intellectual Property or proprietor of such products.

Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.