RuPay credit cards are the latest craze in India. It is popular for its robust security features, ease of use, rewards system that is extremely attractive. The main attraction of Rupay credit card is that you can link it with UPI. You can use the Rupay credit card through UPI on apps like PhonePe, GPay, Paytm, and more. They are designed to accommodate every kind of spender because they provide bulletproof security against fraud such as cashback fuel surcharge waiver offers exclusive dining shopping deals among others Their acceptance rate on this card is so extended considering its international environment as well. Hence, RuPay cards are prominently preferred by users nowadays.
Finding a perfect credit card in every aspect is not an easy task, so we have brought you the lists of the top 10 best Rupay credit cards in 2024.
Table of Contents: Best Rupay Credit Cards For Cashback & UPI
Lists of Top 10 Rupay Credit Cards in 2024
| Card Name | Joining Fee | Key Features |
| 1. Axis Indian Oil RuPay Credit Card | ₹500 | Fuel benefits, reward points on fuel spends, contactless payment |
| 2. HDFC Tata Neu Infinity Rupay Credit Card | ₹1,499 | Airport lounge access, fuel surcharge waiver, contactless payments |
| 3. SBI Reliance RuPay Credit Card | ₹499 | Cashback on groceries, fuel surcharge waiver, contactless transactions |
| 4. Edge CSB RuPay | ₹500 | Cashback on utility bill payments, reward points, contactless transactions |
| 5. SBI BPCL RuPay | ₹499 | Fuel surcharge waiver, reward points on fuel spends, contactless payments |
| 6. IRCTC SBI RuPay | ₹500 | Exclusive railway benefits, reward points on travel bookings, contactless payments |
| 7. ICICI Coral RuPay | ₹500 | Dining benefits, reward points on dining spends, contactless transactions |
| 8. IDFC Power RuPay | ₹499 | Cashback on online shopping, reward points on all spends, contactless payments |
| 9. Kotak League RuPay | ₹499 | Entertainment benefits, reward points on entertainment spends, contactless transactions |
| 10. HDFC Indian Oil RuPay | ₹500 | Fuel benefits, reward points on fuel spends, contactless payment |
1. Axis Indian Oil RuPay Credit Card
Axis Indian Oil RuPay Credit Card is good for high-frequency commuters because it gives a 4% fuel cashback at various Indian Oil outlets. You also get 1% fuel surcharge waiver. It rewards on purchases with 5 points on ₹100 spend to enhance savings. The card will have contactless payment technology for fast and one of the best rupay card for UPI. yet secure transactions across the country.
A low join fee of Rs. 500, + GST & Annual fees is ₹500 + GST. Annual fee will be waived off on spend of ₹50,000 in a calendar year. You will get zero liability on any lost card, and some quite-attractive reward points make it most appealing to the budget-conscious user.
2. HDFC Tata Neu RuPay Infinity
The HDFC Tata Neu RuPay Infinity card is ideal for frequent travellers and shoppers. It consider as one of the best Rupay UPI credit card for rewards. Get back up to 1.5% as Neucoins on all spends and get up to 5 % back as NeuCoins on everyday purchases and enjoy special facilities at the airport lounges in their network.
This also facilitates access to exclusive lounges across airports. Advanced contactless payment, the way ahead in secure transactions, offers comprehensive insurance against most unforeseen incidents. With its Rs. 1,499 joining fee, the card does balance itself with rewarding benefits, appealing to value-for-money seekers amongst customers who want both reliability and offers in their credit card.
3. SBI Reliance RuPay Credit Card
The SBI Reliance RuPay Credit Card is perfect for Reliance loyalists who shop frequently as it provides cashback and rewards for every transaction made by the cardholder. It enables contactless payments, has fuel surcharge waiver, and allows for easy redemption of rewards. At an entry fee of only Rs. 499 it is an option for many people. Whether you spend a lot or always keep tabs on money matters, this card presents a mix of convenience, savings, and exclusive perks across diverse lifestyles.
4. Edge CSB RuPay Credit Card
The Edge CSB RuPay Credit Card is a good card for those who make a lot of purchases. On every purchase, a person acquires reward points as well as a cashback bonus on dining and shopping. This card has safe contactless payment options and in case the owner loses it, the person is not liable for anything at all. For commuters or those travelling, there is a waiver for fuel surcharge. For spend thresholds triggers a waiver on annual fees. At a competitive rate of Rs. 500, it is available to all users saving them any sort of money.
5. SBI BPCL RuPay Credit Card
RuPay credit cards are popular all over India, owing to the benefits they offer coupled with their wide acceptability. The best choice for 2024 would therefore be the SBI BPCL RuPay Credit Card. It offers cashback on fuel purchases at BPCL outlets, reward points on all spends, and exemption from fuel waiver. The card is contactless and ideal for those who frequently buy fuel. The joining fee is Rs 500. Spend milestones can get the annual fee waived-this card brings good value.
6. IRCTC SBI RuPay Credit Card
The IRCTC SBI RuPay Credit Card would become a perfect choice for frequent travelers because they benefit from cashback when booking trains.It comes with contactless payment and zero liability on lost cards. There are exclusive dining and travel offers for travel enthusiasts. Elegant reward redemption options add value to the card. The joining fees of Rs.500, are just an inimitable deal in 2024, this card is sure to stand unparalleled in its travel benefits and user-friendly features.
7. ICICI Coral RuPay Credit Card
The ICICI Coral RuPay Credit Card is the perfect card for people who love dining and entertainment. This card comes with cashback on dining and rewards on all spends. Contactless payment and travel insurance come along with the card. You can get an annual fee waiver by achieving spend-based targets. The joining fees are Rs. 500. Again, it’s pretty affordable and gives good value in 2024.
8. IDFC Power RuPay Credit Card
RuPay credit cards are popular in India because of their benefits and wide reach. In 2024, they offer cashback, reward points, and fuel surcharge waiver programs. Among them, the IDFC Power RuPay Credit Card has one of the most rewarding programs because it rewards customers with points for every transaction and cashback on utility bill payments. The card is contactless by payment method and brings extra security by assigning zero liability in case a card gets lost. Joining fees as low as Rs.500, making it a perfect car for maximizing rewards on daily spend.
9. Kotak League RuPay Credit Card
The Kotak League RuPay Credit Card comes with a very strong reward program. You get to earn points for every spend—right from groceries to travel bookings. Enjoy dining discounts and shopping discounts; this will make lifestyle followers go on a spree. Contactless payment and comprehensive insurance coverage are the other features. You can enjoy access to the airport lounge. High spenders have an annual fee waiver—the joining fee is Rs 1,000. This card is moderately priced with very broad benefits, making it just perfect to maximize spends with extra benefits.
10. HDFC Indian Oil RuPay Credit Card
The HDFC Indian Oil RuPay Credit Card is ideal for frequent drivers, hooks them with cashback on fuels from Indian Oil outlets. This card comes with rewards for all transactions. The other features of this card are contactless payment and zero liability in case a lost card is reported. It involves a joining fee of Rs 500. Fuel surcharge waiver on every transaction is an added incentive against this card. It thus matches budget-conscious consumers targeting ease of use and value.
Conclusion: Best Rupay Credit Card For UPI
RuPay credit cards will, therefore, play a very imperative role in achieving financial flexibility all across India because of the availability of customized benefits. Axis Bank Indian Oil RuPay Card rewards cashback on fuel. HDFC Tata Neu Infinity offers exclusive benefits. Then there are SBI Reliance and ICICI Coral, which reward daily spends. IDFC Power and Kotak League focus on safety and rewards. Be it traveling experiences, fuel savings, or dining perks, there will be a RuPay card for you.
For detailed comparisons and updated information on RuPay credit cards, visit The Invest Advisory.
The Invest Advisory