SBI Card
SBI SimplyCLICK RuPay Credit Card
Joining Fee
₹499
Annual Fee
₹499 + tax
Updated 31-May-2026
Best RuPay Credit Cards
in India 2026
RuPay is India's own payment network made by NPCI. You can link RuPay credit cards to UPI, pay at crores of shops across India. Some RuPay cards offer low or zero forex markup fees depending on the issuing bank.
UPI
Enabled
NPCI
Network
India
Focused
RuPay Credit Card Listings
HDFC Bank
Shoppers Stop HDFC Bank Credit Card
Joining Fee
₹299
Annual Fee
₹299
Axis Bank
Axis MyZone RuPay Credit Card
Joining Fee
₹500
Annual Fee
₹500
AU Small Finance Bank
AU Spont Credit Card
Joining Fee
₹299
Annual Fee
₹299
Kotak Mahindra Bank
Kotak League Platinum Credit Card
Joining Fee
₹499
Annual Fee
₹499
IDFC FIRST Bank
IDFC FIRST Millennia RuPay Credit Card
Joining Fee
₹0
Annual Fee
₹0 LTF
Card Types
Types of RuPay Credit Cards
RuPay Classic
A basic card for everyday use. Works at shops, ATMs and online stores across India. Good for first-time cardholders.
RuPay Platinum
Comes with reward points, lounge access at select airports and a personal accident cover. Most banks offer this type.
RuPay Select
A step above Platinum. Higher rewards, more lounge access and better insurance. Offered by a smaller number of banks.
RuPay Co-branded
A card tied to a specific brand like Amazon, Flipkart or Indian Oil. You earn extra rewards when you shop with that brand.
RuPay PMJDY / Kisan
Cards given to Jan Dhan and Kisan Credit Card holders. No fee, basic features, made for people with low income.
RuPay NCMC
Works as both a credit card and a travel card. You can tap it at metro gates, bus stops and toll booths in select cities.
Co-Branded Cards
Co-Branded RuPay Credit Cards in India
| Card Name | Issuing Bank | Brand Partner | Key Benefit |
|---|---|---|---|
| IndianOil Axis Bank RuPay Card | Axis Bank | Indian Oil | 4% fuel value-back at IndianOil pumps |
| Amazon Pay ICICI RuPay Card | ICICI Bank | Amazon | 5% back on Amazon for Prime members |
| Flipkart Axis Bank RuPay Card | Axis Bank | Flipkart | 5% cashback on Flipkart purchases |
| IRCTC SBI RuPay Card | SBI Card | IRCTC | 10% value-back on AC train ticket bookings |
| HPCL Axis Bank RuPay Card | Axis Bank | HPCL | 6.5% fuel savings at HPCL stations |
| BigBasket HDFC RuPay Card | HDFC Bank | BigBasket | 5% cashback on BigBasket grocery orders |
Key Features
Features of RuPay Credit Cards
- You can link a RuPay credit card to PhonePe, Google Pay or Paytm and pay at any UPI QR code using your credit limit
- Some RuPay credit cards offer low or zero forex markup fees on international shopping, depending on the issuing bank — this can save 1.5 to 3.5% per transaction compared to standard network fees
- Accepted at 5 crore+ shops and merchants in India
- Tap to pay at any machine that supports contactless cards
- Personal accident cover of up to ₹2 lakh on Platinum and Select cards
- You earn reward points even on UPI payments — Visa and Mastercard cards don't offer this
- Select variants work on metro, bus and toll booths as an NCMC card
- Big purchases can be split into monthly installments from ₹2,500 and above
Why Get One
Benefits of RuPay Credit Cards
- Pay at UPI QR codes using your credit card limit and still earn reward points. This does not work with Visa or Mastercard.
- Some RuPay cards offer low or zero forex markup on foreign currency payments — check your card's terms as this varies by issuing bank
- RuPay is made in India and run by NPCI, which is supported by the government
- Many RuPay cards are lifetime free — no annual fee, ever
- Small shops and kirana stores accept RuPay more often because the processing fee for them is lower
- Pay by scanning any Bharat QR code at shops, medical stores and restaurants
- Government welfare payments and subsidies are sent directly to RuPay cards under schemes like PMJDY
Pros & Cons
Pros and Cons of RuPay Credit Card
Pros
- Works on UPI — earn rewards on every UPI payment you make
- Some RuPay cards offer low or zero forex markup on foreign currency transactions — check your card terms as this varies by issuing bank
- A lot of RuPay cards have no annual fee
- India's own network, backed by NPCI and the government
- More local shops accept RuPay because the fees they pay are lower
Cons
- Not accepted in most countries outside India
- Fewer high-end travel cards compared to Visa and Mastercard
- Some websites outside India don't take RuPay
- Fewer co-branded card options compared to Visa
UPI Setup
How to Link RuPay Credit Card to UPI?
1
Open your UPI app
Open PhonePe, Google Pay or Paytm. Keep the app updated so you can see the credit card linking option.
2
Go to Cards section
In PhonePe, tap My Money then Credit Cards. In Google Pay, tap Payment Methods then Add a card.
3
Add your RuPay card
Type in your 16-digit card number, expiry date and CVV. Only RuPay cards can be added here.
4
Enter the OTP
You will get an OTP on your phone number registered with the bank. Enter it to verify your card.
5
Set your UPI PIN
Choose a 4 or 6 digit PIN. You will enter this PIN each time you pay using your RuPay card on UPI.
Where It Works
Where are RuPay Credit Cards Accepted?
Online Shopping
Works on Amazon, Flipkart, Myntra, Swiggy, Zomato and most Indian shopping sites.
Shops & Stores
Accepted at 5 crore+ shops in India including supermarkets, petrol pumps and restaurants.
UPI Payments
Link to PhonePe or Google Pay and pay at any QR code merchant, including small local shops.
ATMs
Withdraw cash from any ATM in India that shows the RuPay logo. Cash withdrawal fees apply.
Government Portals
Works on IRCTC, BHIM app, e-RUPI and most government payment portals.
International (Limited)
Accepted in USA, Singapore, UAE and a few other countries. Not as widely accepted as Visa or Mastercard outside India.
Network Comparison
Difference Between Visa, MasterCard and RuPay Credit Cards
| Feature | RuPay | Visa | Mastercard |
|---|---|---|---|
| Made in | India (NPCI) | USA | USA |
| Works on UPI | Yes | No | No |
| Extra charge on foreign payments | Available on select cards | 1.5–3.5% | 1.5–3.5% |
| Accepted outside India | A few countries only | 200+ countries | 210+ countries |
| Accepted in India | Very widely accepted | Widely accepted | Widely accepted |
| Where data is processed | Within India | Goes outside India | Goes outside India |
| Government schemes | Yes (PMJDY, NCMC) | No | No |
| Annual fee | Many cards are free | Depends on card | Depends on card |
Frequently Asked Questions
RuPay is India's payment network. It is run by NPCI, which is a government-supported company. A RuPay credit card works on this network. You can use it to shop online, swipe at shops and pay via UPI.
Yes. You can link your RuPay credit card to PhonePe, Google Pay or Paytm. After linking, you can pay at any UPI QR code using your card's credit limit. You also earn reward points on these payments.
RuPay works in some countries like USA, Singapore, UAE and Bhutan. But it is not accepted in most countries. If you travel a lot, Visa or Mastercard will work more places outside India.
RuPay works on UPI, Visa does not. Some RuPay cards offer low or zero forex markup fees depending on the issuing bank, while Visa usually adds 1.5 to 3.5% on payments made in other currencies. Visa is accepted in more countries outside India.
IDFC FIRST Millennia RuPay and Axis MyZone RuPay are both good for daily use. Both earn rewards on UPI payments. IDFC FIRST Millennia is known for not charging late payment fees, subject to issuer terms.
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