The popularity of UPI payments has witnessed significant growth in recent years. However, credit card enthusiasts have missed out on the benefits of using their bank accounts for payments. The Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) have now made it possible to use Rupay credit cards for UPI payments, including scanning UPI QR codes. If you’re interested in exploring the best Rupay credit cards available, check out this comprehensive list.
1. Tata Neu Plus and Infinity Credit Card
The Tata Neu Plus and Infinity credit cards may not have gained widespread popularity yet, but they offer decent rewards, especially the Infinity variant. You can apply for the Rupay variant of these cards through the Tata Neu app. Existing HDFC Bank credit card customers can also apply for Tata Neu credit cards as a second card.
Key Features:
- Tata Neu Plus HDFC Bank Credit Card:
- Joining and Annual Fee: Rs 499+GST
- Reward Rate: 1% to 2%
- Rewards for UPI Spends: 1%
- Domestic Airport Lounge Access: 1 per quarter
- International Airport Lounge Access: None
- Tata Neu Infinity HDFC Bank Credit Card:
- Joining and Annual Fee: Rs 1499+GST
- Reward Rate: 1.5% to 5%
- Rewards for UPI Spends: 1.5%
- Domestic Airport Lounge Access: 2 per quarter
- International Airport Lounge Access: 1 per quarter
2. HDFC Bank Regalia Rupay Select Credit Card
As one of the oldest credit cards on this list, HDFC Bank’s Regalia now offers a Rupay variant. If you already hold the Visa/Mastercard variants, you can switch to the Regalia Rupay card without sacrificing any rewards or benefits. Opt for the Rupay variant if you wish to use Regalia for UPI payments.
Key Features:
- Joining and Annual Fee: Lifetime Free (LTF) or Rs 2500+GST
- Reward Rate: 1.3% to 2.2%
- Best For: Smartbuy spends
- Complimentary Airport Lounge Access: 12 visits/calendar year to airport lounges in India and 6 visits/calendar year to airport lounges outside India
- Best Rewards Redemption: Book Flights on Smartbuy
- Supported for Rupay on UPI: Yes
3. BPCL SBI Card Rupay Platinum
The BPCL SBI card is now available in a Rupay variant, offering the same rewards and benefits as the Visa variant. Earn 3.25% rewards on fuel purchases and 1.25% rewards on dining, departmental stores, groceries, and movies.
Key Features:
- Joining and Annual Fee: Rs 499+GST
- Reward Rate: 0.25% to 3.25%
- Best For: Fuel purchases, grocery, and departmental store purchases
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Book Flights on Smartbuy
- Supported for Rupay on UPI: No
4. Bank of Baroda Easy Rupay Platinum Credit Card
The Bank of Baroda Easy credit card, available as a Rupay variant, is an entry-level card that offers basic benefits and rewards. It is a suitable option for individuals who are new to credit cards or looking for a simple and easy-to-use card.
Key Features:
- Joining and Annual Fee: Rs 500+GST
- Reward Rate: Up to 5%
- Best For: Everyday purchases
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback or merchandise
- Supported for Rupay on UPI: Yes
5. Central Bank of India RuPay Select Credit Card
The Central Bank of India RuPay Select credit card is a premium offering that provides exclusive benefits and privileges. With higher reward rates and access to airport lounges, this card is designed to cater to the needs of frequent travelers and individuals who seek luxury experiences.
Key Features:
- Joining and Annual Fee: Rs 1,000+GST
- Reward Rate: Up to 2%
- Best For: Travel and luxury spends
- Complimentary Airport Lounge Access: 2 per quarter
- Best Rewards Redemption: Travel bookings and merchandise
- Supported for Rupay on UPI: Yes
6. SBI RuPay Platinum Credit Card
SBI offers a RuPay variant of its popular Platinum credit card, providing customers with a range of benefits and rewards. This card is suitable for individuals who want to enjoy a good reward rate on their everyday expenses.
Key Features:
- Joining and Annual Fee: Rs 499+GST
- Reward Rate: Up to 2.5%
- Best For: Everyday purchases
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback, gift vouchers, and merchandise
- Supported for Rupay on UPI: Yes
7. Canara Bank RuPay Select Credit Card
The Canara Bank RuPay Select credit card is designed to offer exclusive privileges and rewards to its cardholders. With a focus on travel benefits and lifestyle perks, this card caters to individuals who enjoy luxury and personalized experiences.
Key Features:
- Joining and Annual Fee: Rs 500+GST
- Reward Rate: Up to 2%
- Best For: Travel and lifestyle spends
- Complimentary Airport Lounge Access: 2 per quarter
- Best Rewards Redemption: Travel bookings, merchandise, and gift vouchers
- Supported for Rupay on UPI: Yes
8. PNB Rupay Select Credit Card
The PNB Rupay Select credit card from Punjab National Bank offers a host of benefits and rewards for cardholders. With its attractive reward rates and special offers, this card is a good choice for individuals who want to maximize their savings and enjoy exclusive privileges.
Key Features:
- Joining and Annual Fee: Rs 500+GST
- Reward Rate: Up to 2%
- Best For: Everyday purchases and savings
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback, merchandise, and gift vouchers
- Supported for Rupay on UPI: Yes
9. Union Bank RuPay Select Credit Card
The Union Bank RuPay Select credit card is a premium offering that provides a range of benefits and rewards to its customers. With its attractive reward rates, airport lounge access, and lifestyle privileges, this card is suitable for individuals who value luxury and convenience.
Key Features:
- Joining and Annual Fee: Rs 1,000+GST
- Reward Rate: Up to 2%
- Best For: Travel and lifestyle spends
- Complimentary Airport Lounge Access: 2 per quarter
- Best Rewards Redemption: Travel bookings, merchandise, and gift vouchers
- Supported for Rupay on UPI: Yes
It’s important to note that the features, benefits, and terms of these credit cards may vary, so it’s recommended to check the respective bank’s website or contact their customer support for the most up-to-date information before applying.
Rupay credit cards offer a range of options for customers in India, catering to various needs and preferences. Whether you’re looking for basic rewards or exclusive privileges, there is likely a Rupay credit card that can meet your requirements. Consider your spending habits, lifestyle, and financial goals to choose the card that aligns best with your needs and preferences.
10. Indian Bank RuPay Platinum Credit Card
Indian Bank offers the RuPay Platinum credit card, which is designed to provide customers with a range of benefits and rewards. This card is suitable for individuals who want to enjoy a good reward rate on their everyday expenses while also availing additional perks.
Key Features:
- Joining and Annual Fee: Rs 499+GST
- Reward Rate: Up to 2%
- Best For: Everyday purchases and additional perks
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback, gift vouchers, and merchandise
- Supported for RuPay on UPI: Yes
11. Bank of Maharashtra RuPay Platinum Credit Card
Bank of Maharashtra offers the RuPay Platinum credit card, providing customers with a variety of features and benefits. With its reward program and other perks, this card caters to individuals who want to make the most of their spending and enjoy added advantages.
Key Features:
- Joining and Annual Fee: Rs 500+GST
- Reward Rate: Up to 2%
- Best For: Everyday purchases and additional perks
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback, gift vouchers, and merchandise
- Supported for RuPay on UPI: Yes
12. UCO Bank RuPay Platinum Credit Card
UCO Bank offers the RuPay Platinum credit card, which comes with a range of benefits and rewards. This card is suitable for individuals who want to earn rewards on their purchases while enjoying the additional perks offered by the bank.
Key Features:
- Joining and Annual Fee: Rs 500+GST
- Reward Rate: Up to 2%
- Best For: Everyday purchases and additional perks
- Complimentary Airport Lounge Access: None
- Best Rewards Redemption: Cashback, gift vouchers, and merchandise
- Supported for RuPay on UPI: Yes
Conclusion
RuPay credit cards offer a wide range of options for customers in India, catering to different needs and preferences. From basic entry-level cards to premium offerings with exclusive privileges, RuPay cards provide rewards, benefits, and additional perks that can enhance your shopping and lifestyle experiences. Before choosing a card, it’s important to consider your spending habits, lifestyle, and financial goals to ensure that the selected card aligns with your needs and preferences.
Remember to review the specific terms and conditions, fees, and benefits associated with each card before making a decision. Additionally, staying updated with the latest offerings from the respective banks is recommended as the features and benefits of these credit cards may be subject to change over time.
With the variety of RuPay credit cards available in the market, you have the opportunity to find a card that suits your requirements and enhances your overall financial journey.