Top 9 Rupay Credit Card UPI | UPI Rupay Credit Card:

Top 9 RuPay Credit Cards To Connect With UPI Explored it and understand Rupay credit card UPI charges

In today’s fast-paced digital era, where financial transactions are becoming increasingly seamless, the integration of RuPay Credit Cards with UPI stands out as a noteworthy development. Let’s delve into the world of RuPay Credit Cards, exploring their key features, the advantages of connecting them with UPI, and a detailed comparison to help you make an informed choice.

I. Introduction : Rupay Credit Card UPI

A. Brief Overview of RuPay Credit Cards

RuPay Credit Cards, a homegrown financial solution, have gained prominence in recent times. Designed to cater to the diverse needs of consumers, these cards offer a range of benefits, making them a preferred choice.

B. Importance of Connecting With UPI

The integration of RuPay Credit Cards with the Unified Payments Interface (UPI) adds an extra layer of convenience to financial transactions. This article aims to shed light on the top 9 RuPay Credit Cards and the advantages of connecting them with UPI.

C. Preview of the Article Content

We’ll start by understanding the basics of RuPay Credit Cards, exploring their key features, and then move on to the significant aspect of connecting them with UPI. Additionally, we’ll provide a detailed comparison to assist you in making an informed decision.

II. Understanding Rupay Credit Card UPI

A. Definition and Origin of RuPay

RuPay, an indigenous payment network, was introduced to facilitate electronic transactions within India. Understanding its roots is crucial to appreciating the unique features it brings to the credit card landscape.

B. Overview of the RuPay-UPI Connection

The collaboration between RuPay and UPI is a testament to the synergy between two innovative financial solutions. Discover how this connection enhances the overall user experience.

C. Significance of Using RuPay With UPI

We’ll explore why connecting your RuPay Credit Card with UPI is a game-changer. From quick transactions to enhanced security, this synergy offers a multitude of benefits.

III. Key Features of Top 9 Rupay Credit Card UPI

1) IDFC First Power Plus RuPay Select Credit Card
(Rupay credit card IDFC First)
➻ Welcome Benefit – 100% Cashback up to ₹250 on all fuel spends (Within 30 days of issuance).
➻ 5 Reward Points (RP)/ ₹100 spent on Online Shopping.
➻ 20 RP/ ₹100 on fuel spends on IOC Terminal.
➻ 1 RP/ ₹100 Spent on all other spends. Maximum eligible spends 5000/month
➻ 1% Fuel surcharge waiver is applicable for fuel spends between 200 to 5000.
➻ Annual Fee waived off if spends more than 50000 per year.

2) IDFC First Power RuPay Select Credit Card
➻ ₹250 Cashback on 1st HPCL fuelling.
➻ Up to 5% savings on fuel spends.
➻ 2.5% savings on Grocery, Utility & IDFC FASTag recharge.

3) Indian Oil HDFC Bank Credit Card
➻ Get 5% of your spends as Fuel Points at IndianOil.
➻ Earn 5% of bill payments, grocery as Fuel Points*.
➻ Redeem XRP for free fuel [1FP=3 XRP; 1 XRP=₹ 0.32]

4) Axis IOCL RuPay Credit Card
➻ 20 reward points per ₹100 on fuel spends on IOC Terminal.
➻ 5 reward points per ₹100 spent on Online Shopping.
➻ 10% instant discount for movie ticket.

5) HPCL RuPay Credit Card
(lifetime free Rupay credit card) ➻ 300+ reward points on 1st usage
➻ Annual fee – 500, NIL ( if card is used one in a quarter)
➻ 2X rewards points on retail merchandise

6) Kotak IOCL RuPay Credit Card
➻ Save 5% on IndianOil fuel spends.
➻ 2% back as Reward Points on Grocery.
➻ 1000 Reward Points as welcome benefit.

7) HDFC RuPay Shoppers Stop Credit Card
(HDFC Rupay credit cards)

➻ Lifetime FREE card
➻ Earn 2 First Citizen Points for every ₹150 spent
➻ 1 FC point= 60 paise

8) IRCTC Bank of Baroda RuPay Credit Card
➻ Up-to 20X reward points on booking at IRCTC*.
➻ 4 reward points on every ₹100 spent on groceries.
➻ Get 1000 activation bonus Reward Points.

9) The PNB RuPay Select Card

9th Rupay Credit Card UPI:
➻ Minimum joining fees – Rs. 500/-Annual fee – NIL
( if card is used one in a quarter)300+ reward points on 1st usage
➻ 2X rewards points on retail merchandise
➻ Convenient mobile app “PNB GENIE” – One Stop Solution
➻ Complimentary Domestic and international Lounge Program.
➻ Exclusive cash back in utility bills, eateries and restaurants etc.


In conclusion, exploring the realm of RuPay Credit Cards and their integration with UPI unveils a world of financial convenience and security tailored for the Indian consumer. As we navigate through the rich features of the top 9 RuPay Credit Cards, it becomes evident that these cards not only offer diverse benefits but also align with the digital aspirations of the Indian populace.

The synergy between RuPay and UPI brings forth a harmonious blend of traditional values and cutting-edge technology, reflecting the spirit of a modern India. From cashback rewards to exclusive perks, these cards cater to the varied needs and preferences of users across the country.

FAQs: Rupay Credit Card UPI

A. What is UPI?
A brief explanation of the Unified Payments Interface (UPI) and how it has revolutionized the way we handle financial transactions.

B. Why Connect RuPay Credit Cards With UPI?
Understanding the seamless integration and the added advantages of linking your RuPay Credit Card with UPI.

C. Is UPI provided seamless transactions and Enhanced Security?
Exploring the efficiency and security measures that come with using RuPay Credit Cards in conjunction with UPI.

D. What Makes RuPay Unique Among Credit Cards?
Exploring the distinctive features that set RuPay Credit Cards apart from other credit cards in the market.

E. How Does UPI Integration Benefit Cardholders?
Understanding the specific advantages of connecting RuPay Credit Cards with UPI and how it positively impacts cardholders.

F. Can I Use RuPay Credit Cards Internationally?
Clarifying the reach and limitations of RuPay Credit Cards for international transactions.

G. How to Apply for a RuPay Credit Card?
A step-by-step guide on the application process for obtaining a RuPay Credit Card.

Disclaimer: The information provided in this article is for informational purposes only. Infolips do not endorse any specific credit card, and it is essential to conduct your own research and make informed decisions based on your individual requirements.

We hope this article has helped you find the perfect information. I think you got an answer of your question related “Rupay Credit Card UPI“. If you have any questions or feedback, please feel free to leave a comment below. Don’t forget to share with your loving one, for their reference.

Happy infolipsing!

>> Know more: Student Credit Cards: #1 Comprehensive Guide.

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By Santosh Bharnuke

Hello friends, I am Santosh Shantaram Bharnuke from Maharashtra, Moha. I am interested to collect information on different subjects and same information would like to convey to you through this website.

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