The RuPay credit card ecosystem in India is evolving rapidly. From a modest start with just a few options a couple of years ago, the market now features over 70 RuPay credit card variants. Banks that previously offered only Visa or Mastercard options are now actively launching RuPay-based cards. Alongside the increase in options, the value propositions of RuPay credit cards are also improving—offering perks like lounge access, dining discounts, UPI cashback, and more.
Here’s a comprehensive list of the best RuPay credit cards across five key categories:
- Shopping
- Fuel
- Utility Payments
- Lifetime Free
- Premium.
Best RuPay Credit Card for Shopping
1. Kotak Myntra RuPay Credit Card
If you shop frequently on Myntra, this card is a strong contender.
- Joining & Annual Fee: ₹500 + GST (₹590). Waived on spending ₹2 lakh annually.
- Welcome Benefit: ₹500 Myntra voucher upon activation (within 30 days of a ₹500+ transaction).
- Exclusive Myntra Insider Membership:
- Early access to sales
- Free shipping
- Extra shopping coins
- High-value discount coupons
- Cashback:
- 7.5% on Myntra (capped at ₹750 per transaction)
- 5% on Swiggy, Instamart, PVR, Urban Company (capped at ₹1,000/month)
- 1.25% unlimited cashback on UPI spends
- Other Perks:
- 2 complimentary PVR tickets on ₹50,000+ quarterly spend
- 1 complimentary domestic lounge access per quarter
Ideal For: Frequent Myntra shoppers who spend ₹8,000–₹10,000 annually on the platform.
Best RuPay Credit Card for Fuel
2. SBI BPCL Octane RuPay Credit Card
Perfect for those with significant monthly fuel expenses.
- Annual Fee: ₹1,499 + GST (waived on ₹2 lakh annual spend)
- Welcome Benefit: 6,000 reward points worth ₹1,500
- Fuel Rewards:
- 25 reward points per ₹100 spent on BPCL fuel (6.25% cashback)
- 1% fuel surcharge waiver (total reward rate: 7.25%)
- Capped at ₹2,500/month for fuel, ₹500/month for BharatGas
- Dining, Groceries, Department Stores: 2.5% reward rate (capped at ₹7,500/month)
- Other Spends: 0.25% reward rate
- Annual Bonus: ₹2,000 worth vouchers on ₹3 lakh annual spend
- Additional Perk: 1 complimentary domestic lounge access per quarter
Ideal For: Individuals spending ₹1,500–₹2,000 monthly on BPCL fuel.
Best Lifetime Free RuPay Credit Card
3. KreditPe Yes Bank RuPay Credit Card
An excellent no-annual-fee card for UPI and general spending.
- UPI Cashback: Flat 2% on all UPI transactions made via the KreditPe app (no capping)
- Additional Benefits:
- Discounted brand vouchers (Amazon, Flipkart, Swiggy) using cashback
- Yes Bank rewards: 2% on online, 1% on offline, 0.5% on utility bills
- Fuel surcharge waiver
- Eligibility:
- Age: 21+
- Minimum salary: ₹25,000/month
- No existing Yes Bank credit card (due to one-customer-one-card policy)
- Joining Bonus: ₹1,000 cashback for linking card to KreditPe UPI
Ideal For: Users who make frequent UPI payments and want a no-frills, high-reward card.
Read Also: Best HDFC Credit Cards in 2025
Best RuPay Credit Card for Utility Payments
4. Airtel Axis Bank RuPay Credit Card
Tailored for those who regularly pay bills via Airtel Thanks app.
- Annual Fee: ₹500 + GST (waived on ₹1 lakh annual spend)
- Welcome Gift: ₹500 Amazon voucher
- Cashback:
- 25% on Airtel services (Wi-Fi, mobile, DTH via Airtel Thanks app; capped at ₹250/month)
- 10% on utility bills (gas, electricity; via Airtel Thanks app; capped at ₹250/month)
- Up to 10% on Swiggy, Zomato, BigBasket (capped at ₹500/month)
- Up to 1% on all other spends
- Additional Perk: 4 complimentary domestic lounge visits annually
Ideal For: Airtel users and those looking to save on monthly utility expenses.
Best Premium RuPay Credit Card
5. HDFC Tata Neu Infinity RuPay Credit Card
A high-value card for those engaged in the Tata ecosystem.
- Annual Fee: ₹1,499 + GST (waived on ₹3 lakh annual spend)
- Welcome Gift: 1,500 Tata Neu coins (₹1 = 1 coin)
- NeuCoins Earning:
- Up to 5% on Tata Neu and partner brands
- Reward rate varies based on spend category and partner
- Redemption: Via Tata Neu app, offering flexibility for travel, electronics, groceries, etc.
Ideal For: Users who frequently shop within the Tata ecosystem and want premium perks.
Best 5 RuPay Credit Cards in 2025 Comparison Table
| Card | Category | Annual Fee | Key Benefit | UPI Cashback |
|---|---|---|---|---|
| Kotak Myntra | Shopping | ₹500 (Waived) | 7.5% on Myntra | 1.25% |
| SBI BPCL Octane | Fuel | ₹1,499 (Waived) | 6.25% on BPCL | No |
| CreditPe Yes | Lifetime Free | ₹0 | 2% on UPI via app | 2% |
| Airtel Axis | Utilities | ₹500 (Waived) | 25% Airtel cashback | Up to 1% |
| HDFC Tata Neu | Premium | ₹1,499 (Waived) | 5% on Tata brands | Varies |
Conclusion
The RuPay credit card space now offers compelling options across multiple categories. Whether you are a heavy shopper, commuter, bill payer, or simply want a lifetime free card with excellent cashback, there’s a RuPay card tailored to your needs. Evaluate your spending habits and pick the card that maximizes your returns while offering meaningful benefits.
