Perfect List of Rupay Credit Cards In India

List of all Rupay Credit Cards In India : Best Rupay credit cards offered by following banks.

Introduction :

“RuPay“, developed by the National Payments Corporation of India (NPCI), is a domestic Indian payment system and ranks as the third-largest payment network worldwide, following Visa and Mastercard. One of the significant attractions of RuPay credit cards lies in the multitude of benefits they provide to users.

The name “Rupay” is derived from the terms “Rupee” and “Payment”. It was launched in 2012. RuPay cards are issued by more than 1,100 banks which include Public Sector Banks, Private Sector Banks, Regional Rural and Co-Operative Banks.

In this article, we dive into the world of RuPay credit cards. RuPay offers numerous benefits that make it a preferred choice for Indian consumers, let’s check.

Key features :

Unveiling the Perks: Benefits of Rupay Cards:

a) Wide Acceptance:
RuPay cards are widely accepted by various merchants across India, whether it’s for online or offline transactions.

b) Low Transaction Fees:
Users of RuPay credit cards can enjoy lower transaction fees compared to other international credit cards, resulting in potential long-term savings.

c) Enhanced Security:
RuPay credit cards employ cutting-edge security features, such as EMV chip technology and 3D Secure, ensuring the protection of user data during transactions.

d) Rewards and Perks:
Many RuPay credit cards come with attractive rewards and benefits, including cashback, air miles, and discounts, adding value to the cardholder’s experience.

e) Convenience:
The user-friendly nature of RuPay credit cards allows for easy management through online platforms or dedicated mobile apps.

List of all Rupay Credit Cards in India :

No.	Card Name	Key features
1.	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.
2.	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
3.	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
4.	IDFC First Power Plus RuPay Select Credit Card (Rupay credit card IDFC First)	➻ ₹500 cashback on 1st HPCL fuelling. ➻ Welcome benefits worth ₹1,650 ➻ Up to 6.5% savings on fuel spends ➻ 5% savings on Grocery, Utility & IDFC FASTag recharge.
5.	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.
6.	IndianOil 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]
7.	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.
8.	IRCTC HDFC Bank RuPay Credit Card	➻ 5 Reward Point for every ₹100 spent on IRCTC ➻ Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy. ➻ 1 Reward Point for every ₹100 spent on all other
9.	IRCTC SBI RuPay Credit Card	➻ Upto 10%* Value Back. ➻ 1% Transaction Surcharge Waiver. ➻ Railway Lounge Access.
10.	Kotak IOCL RuPay Credit Card	➻ Save 5% on IndianOil fuel spends. ➻ 2% back as Reward Points on Grocery. ➻ 1000 Reward Points as welcome benefit.

No.	Card Name	Key features
11.	LIC CSL Co-branded RuPay Credit Card – Eclat LIC CSL Co-branded RuPay Credit Card – Lumine	➻ 1% Fuel Surcharge Waiver. ➻ 4 Delight points on every purchase of ₹100. ➻ Welcome Bonus of upto ₹1500 delight points.
12.	a. PNB Patanjali RuPay Platinum Credit card (PNB Rupay platinum credit card) b. PNB Patanjali RuPay Select Credit card c. PNB Millennial RuPay Credit card	➻ 300+ Reward Points on Activation ➻ Insurance coverage upto INR 2 lac ➻ Complimentary airport lounge access
13.	Snapdeal RuPay Credit Card (by Bank of Baroda)	➻ 5% Unlimited Cashback on Snapdeal ➻ 10 Reward Points on Everyday Spends on Groceries ➻ 1 Reward Point = ₹0.25
14.	Tata Neu Infinity HDFC Bank Credit Card (Tata Rupay Card)	➻ 10% NeuCoins on Tata Neu ➻ 5% NeuCoins on bill payment & recharges through Tata Neu ➻ Redeem Neucoins (1 NeuCoin = ₹1)
15.	Tata Neu Plus HDFC Bank Credit Card	➻ 7% NeuCoins on Tata Neu ➻ 2% NeuCoins at Partner Tata Brands ➻ 1% NeuCoins on other spends
16.	Uni Carbon Credit Card	➻ 4% Cashback at HPCL Outlets ➻ 1% Fuel Surcharge Waiver ➻ 1.5% Reward on HP Pay Wallet
17.	Union Bank RuPay JCB Wellness Credit Card	➻ 1 Complimentary premium health check-up ➻ 1 Complimentary Spa session in a year. ➻ 15 days or 1 month free Gym membership.
18.	Union Bank Select RuPay Credit Card	➻ Link your RuPay credit card to any UPI app ➻ 1% reimbursement on fuel purchases ➻ Earn 4 Reward Points on every ₹100/- spent
19.	ICICI Bank Credit Cards (Coral – Rupay) [ICICI Rupay credit card]	➻ 2 Reward Points, on every ₹100 spent ➻ 1 Reward Point, on every ₹100 spent on utilities ➻ Get 2000 Points spent on ₹2,00,000 & 1,000 Points, each time you cross ₹1,00,000 spent.
20.	Kotak Rupay Credit Card	➻ Earn 3 Reward Points against retail spends of ₹100 ➻ Get 4 PVR tickets or 10,000 Reward Points on annual spends of ₹1 Lac ➻ Zero joining Fee
21.	Yes Bank Rupay Credit Card	➻ 8 Reward Points on every ₹200 on travel. ➻ 4 Reward Points on spend of ₹200 on other. ➻ Foreign Currency Markup of 2.75% on all international spends

Additional benefits of Rupay Credit Cards:

> Specifically tailored for the Indian market, RuPay credit cards offer additional benefits, such as:

> Learn about the exclusive benefits and rewards offered by Rupay credit cards. Don’t miss out!

1. Lower Annual Fees:

RuPay credit cards typically feature lower annual fees compared to international credit cards. For instance, the IDFC First Power RuPay Select Credit Card charges only ₹199 annually, whereas the equivalent Visa or Mastercard card would demand ₹499.

2. Joining Fee Waiver:
Many RuPay credit cards do not impose any joining fees, presenting an opportunity for users to save money during card enrollment. For instance, the HDFC Bank RuPay Platinum Credit Card does not require any joining fee.

3. Welcome Offers:
Upon signing up for a RuPay credit card, users often receive welcome offers, such as cashback or air miles. For instance, the ICICI Bank RuPay Platinum Credit Card extends a welcome bonus of 5000 reward points upon spending ₹5000 within the first 3 months.

4. Customized Rewards:
Depending on the specific card, users can enjoy various rewards, such as cashback, air miles, or gift vouchers, tailored to suit their preferences and lifestyle.

5. Insurance Benefits:
Some RuPay credit cards offer additional insurance benefits, such as personal accident insurance or travel insurance, providing users with added security during unexpected situations or travel emergencies.

Overall, RuPay credit cards present a compelling option for Indian consumers seeking secure, convenient, and rewarding credit cards. Their unique features and benefits make them a desirable choice for those looking to optimize their financial transactions and experiences.

RuPay Credit Card with UPI

UPI, known as Unified Payments Interface, is a fast payment system developed by the National Payments Corporation of India (NPCI). It allows you to make instant payments to anyone using a UPI ID, even if they have a different bank.

In 2021, the RBI permitted the linking of RuPay credit cards to UPI. This exciting development means that you can now use your RuPay credit card to make UPI payments.

Here are the benefits of using your RuPay credit card with UPI:

Convenience:
With your RuPay credit card and a smartphone with internet access, you can make UPI payments from anywhere.
Security:
UPI payments are protected by two-factor authentication, ensuring safe transactions.
Rewards:
Some RuPay credit cards offer rewards when you use UPI payments.

To link your RuPay credit card to UPI, download a UPI-enabled app like BHIM, PhonePe, or Paytm. Create a UPI ID and link your RuPay credit card to it.

Once linked, you can make payments by entering the recipient’s UPI ID and the amount to send. Authorize the payment with your UPI PIN.

Using your RuPay credit card with UPI is a convenient and secure option. Keep these points in mind:

Credit Card Limit:
Your credit card limit applies to UPI transactions, so monitor your spending.
Transaction Fee:
Some banks may charge a fee for using your RuPay credit card with UPI.
Benefits Limitation:
Certain credit card perks like cashback and reward points may not apply to UPI transactions.

Conclusion:

RuPay is India’s pioneering global card payment network, designed to be widely accepted at ATMs, POS devices, and e-commerce websites all over the country. It boasts a high level of security, safeguarding users from anti-phishing threats.

Highlighting its status as India’s very own initiative for card payments. It proudly represents our nation’s response to international payment networks, showcasing our national pride and identity.

In conclusion, using your RuPay credit card with UPI is convenient and secure, but be mindful of these aspects to avoid any surprises. It’s a great way to make payments with ease and simplicity.

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.

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