RuPay Credit Card Listings

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SBI
Card
RuPay
•••• •••• 7730
SBI Card
SBI SimplyCLICK RuPay Credit Card
★★★★★4.5
  • 10X reward points on Amazon, Swiggy, Cleartrip & partner apps
  • UPI payments earn reward points
  • ₹2,000 e-Voucher on ₹1 lakh annual online spend
UPI Linked 10X Rewards
Annual Fee
₹499 + taxes
View Details
HDFC
Bank
RuPay
•••• •••• 4421
HDFC Bank
HDFC Millennia RuPay Credit Card
★★★★★4.6
  • 5% cashback on Amazon, Flipkart, Myntra & top apps
  • UPI transactions earn reward points
  • 1% cashback on all other purchases
UPI Linked Lifetime Free
Annual Fee
₹0 LTF
View Details
IDFC
FIRST
RuPay
•••• •••• 8823
IDFC FIRST Bank
IDFC FIRST Millennia RuPay Card
★★★★★4.7
  • 10X reward points on spends above ₹20,000 per month
  • Zero late payment fee — only card in India to offer this
  • 4 free railway lounge visits per quarter
Lifetime Free No Late Fee UPI Linked
Annual Fee
₹0 LTF
View Details
Axis
Bank
RuPay
•••• •••• 6612
Axis Bank
Axis Bank ACE RuPay Credit Card
★★★★★4.6
  • 2% flat cashback on all purchases with no cap
  • 5% cashback on bill payments via UPI
  • 1% fuel surcharge waiver at all petrol pumps
2% Flat Cashback Lifetime Free UPI Linked
Annual Fee
₹0 LTF
View Details
Kotak
Bank
RuPay
•••• •••• 3344
Kotak Mahindra Bank
Kotak 811 RuPay Credit Card
★★★★★4.1
  • No income proof needed — great first credit card
  • Linked to UPI for daily digital payments
  • 1% cashback on all online transactions
Lifetime Free UPI Linked
Annual Fee
₹0 LTF
View Details
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 CardAxis BankIndian Oil4% fuel value-back at IndianOil pumps
Amazon Pay ICICI RuPay CardICICI BankAmazon5% back on Amazon for Prime members
Flipkart Axis Bank RuPay CardAxis BankFlipkart5% cashback on Flipkart purchases
IRCTC SBI RuPay CardSBI CardIRCTC10% value-back on AC train ticket bookings
HPCL Axis Bank RuPay CardAxis BankHPCL6.5% fuel savings at HPCL stations
BigBasket HDFC RuPay CardHDFC BankBigBasket5% 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
  • Most RuPay cards have zero extra charges on international shopping, which saves you 1.5 to 3.5% vs Visa or Mastercard
  • 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.
  • No extra charge when you shop on foreign websites or pay in another currency on many RuPay cards
  • 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
  • No extra charge on foreign currency transactions on most cards
  • 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 > Credit Cards. In Google Pay, tap Payment Methods > 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. Visa and Mastercard won't work.
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 inIndia (NPCI)USAUSA
Works on UPIYesNoNo
Extra charge on foreign paymentsZero on most cards1.5–3.5%1.5–3.5%
Accepted outside IndiaA few countries only200+ countries210+ countries
Accepted in IndiaVery widely acceptedWidely acceptedWidely accepted
Where data is processedWithin IndiaGoes outside IndiaGoes outside India
Government schemesYes (PMJDY, NCMC)NoNo
Annual feeMany cards are freeDepends on cardDepends on card

Frequently Asked Questions