All RuPay Credit Cards in India: Features, Benefits & Top Options (2025)
As India moves steadily toward a digital economy, RuPay Credit Cards have emerged as a homegrown alternative to global giants like Visa and Mastercard. Backed by the National Payments Corporation of India (NPCI), RuPay credit cards offer secure, fast, and UPI-compatible payment solutions—making them a top choice for modern Indian consumers.
In this post, we explore the best RuPay Credit Cards in India, their features, and why you should consider one today.
🔍 What is a RuPay Credit Card?
A RuPay Credit Card is a credit card powered by India’s own RuPay network. Launched by NPCI, it supports UPI linkage, secure domestic processing, and integration with government financial platforms like Direct Benefit Transfer (DBT). Most major Indian banks offer RuPay credit cards across budget, lifestyle, and premium segments.
✅ Key Features of RuPay Credit Cards
- UPI-Enabled Credit Card Payments
Use your credit card through UPI apps like Google Pay, PhonePe, and Paytm (only available for RuPay cards as per RBI rules). - Domestic Processing
Transactions are processed within India, ensuring data security and faster settlement. - Wide Range of Options
Available across banks like SBI, HDFC, ICICI, Axis, IDFC, and more. - Integration with Govt Benefits
Easier linkage with subsidy and welfare schemes via Aadhaar and DBT. - Contactless & Secure Payments
NFC-enabled for easy tap-and-pay functionality.
🏦 Top RuPay Credit Cards in India (2025)
1. SBI RuPay Credit Card
- Variants: SimplySAVE, SimplyCLICK, SBI Card SELECT
- Highlights: Reward points, fuel surcharge waiver, UPI support
- Best For: Beginners, salaried professionals
2. HDFC RuPay Credit Card
- Variants: Millennia RuPay, MoneyBack+, Regalia Gold (RuPay)
- Highlights: Cashback, lounge access, UPI-enabled
- Best For: Online shoppers & premium users
3. ICICI Bank RuPay Credit Card
- Variants: Coral RuPay, Amazon Pay ICICI (coming soon on RuPay)
- Highlights: EMI options, UPI support, exclusive discounts
- Best For: Retail spenders and travelers
4. Axis Bank RuPay Credit Card
- Variants: MY ZONE RuPay, Atlas RuPay, Ace RuPay
- Highlights: Cashback, OTT benefits, lounge access
- Best For: Young professionals & entertainment lovers
5. IDFC FIRST RuPay Credit Card
- Variants: Classic, Select, Wealth, Millennia (RuPay)
- Highlights: Lifetime free, high rewards, UPI-enabled
- Best For: Digital-savvy users & UPI spenders
6. Bank of Baroda (BoB) RuPay Credit Card
- Variants: BoB Premier RuPay, BoB Eterna RuPay
- Highlights: Travel benefits, reward points, affordable fees
- Best For: Value-conscious customers
7. PNB RuPay Credit Card
- Variants: PNB RuPay Platinum, PNB RuPay Select
- Highlights: DBT compatibility, EMI options, simple application
- Best For: Government scheme beneficiaries
8. Canara Bank RuPay Credit Card
- Variants: RuPay Platinum, RuPay Select
- Highlights: Contactless, UPI support, DBT link
- Best For: Pensioners & rural users
🧾 Charges and Fees Overview
| Bank | Joining Fee | Annual Fee | Interest Rate (p.m.) |
| SBI | ₹499–₹1499 | ₹499–₹1499 | Up to 3.5% |
| HDFC | ₹500–₹2500 | ₹500–₹2500 | 1.99%–3.49% |
| ICICI | ₹199–₹1000 | ₹199–₹1000 | Up to 3.4% |
| IDFC FIRST | ₹0 (Free) | ₹0 (Free) | 0.75%–3.5% |
| Axis | ₹500–₹1500 | ₹500–₹1500 | 3.4% |
| PNB / BoB | ₹500–₹1000 | ₹500–₹1000 | 2.5%–3.5% |
💳 Who Should Get a RuPay Credit Card?
✔️ You want to use credit cards for UPI
✔️ You prefer Indian-made, secure payment solutions
✔️ You need a card linked to government benefits or subsidies
✔️ You are a first-time credit card user or student
✔️ You want lifetime free credit card options
📲 How to Apply for a RuPay Credit Card
- Visit the bank’s website or credit card portal.
- Choose your preferred RuPay variant.
- Fill in KYC details – PAN, Aadhaar, income proof.
- Complete e-KYC or video KYC.
- Receive approval and your digital/physical card shortly after.
🚀 Final Thoughts
The rise of RuPay Credit Cards is a testament to India’s growing financial independence. Whether you want seamless UPI payments via credit, domestic security, or cost-effective card options, RuPay delivers it all. With more banks adopting this network, now’s the perfect time to switch or apply for a RuPay credit card.