Best Rupay Credit Cards in India

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Best Rupay Credit Cards in India 2026

Axis Bank Neo Credit Card

3.0/5
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Axis Bank Neo Credit Card by Axis Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Online Purchases, Food Delivery, and Instant Multi-Brand Discounts
Rewards Type Reward Points

Rewards Rate

1 EDGE Reward Point per ₹200 spent (1 EDGE Point = ₹0.20 on redemption)

Welcome Benefits

100% cashback up to ₹300 on first utility bill payment via Paytm within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
  • ✓ RuPay variant available for UPI payments
  • ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
  • ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
  • ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Limitations

  • ✕ Minimal base reward points earning rate on regular card expenditures
  • ✕ Enforces strict ceiling caps on maximum discount benefits per month across partner platforms
  • ✕ Lacks premium features such as complimentary airport lounge terminal access or golf privileges
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HSBC RuPay Cashback Credit Card

3.0/5
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HSBC RuPay Cashback Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Best Suited For UPI Payments, Dining Spends, and Everyday Household Groceries via Direct Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, grocery, and food delivery spends; 1% cashback on other eligible spends, including UPI transactions; Cashback is capped at ₹400 per month

Welcome Benefits

₹500 cashback upon downloading and logging into the HSBC India mobile banking app and spending ₹10,000 within 30 days of card issuance (applicable till 31 Mar 2026); Complimentary 2-month EazyDiner Prime membership on card activation (if activated between 15 July 2025 and 31 Mar 2026)

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, groceries and food delivery
  • ✓ 1% cashback on UPI payments via the RuPay network
  • ✓ Zero foreign exchange transaction markup fees until 30 June 2026
  • ✓ Cashback credited directly to your statement, no point conversion needed
  • ✓ Fee waived on ₹2 lakh in annual spend

Limitations

  • ✕ Tight monthly billing cycle cashback earning cap strictly limited to a maximum of ₹400
  • ✕ Completely excludes all international and foreign currency spends from earning any cashback value back
  • ✕ Extensive list of day-to-day transaction exclusions (fuel, utilities, insurance, rent, wallet top-ups, education, and govt fees) that yield zero cashback returns
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Scapia Credit Card

4.7/5
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Scapia Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
  • ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
  • ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
  • ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
  • ✓ RuPay credit card variant available with native UPI payment support

Limitations

  • ✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
  • ✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
  • ✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold
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YES Bank POP CLUB Credit Card

4.8/5
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YES Bank POP CLUB Credit Card by YES Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Online Shopping, UPI Payments over RuPay, Merchant Rewards & Lifestyle Vouchers
Rewards Type Reward Points

Rewards Rate

10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline spends; 5% instant POPcoins on POP UPI

Welcome Benefits

Welcome benefits worth ₹5,000 including 500 POPcoins, Zomato Gold 3-month membership, Cleartrip ₹750 voucher, Blinkit free deliveries & Cult.sport voucher

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ RuPay network support for direct UPI payments
  • ✓ Generous welcome package worth ₹5,000 across Zomato, Cleartrip, Blinkit, Cult.sport & Rapido
  • ✓ Accelerated 10 POPcoins per ₹100 spent online and 5% POPcoins on POP UPI app transactions
  • ✓ Quarterly milestone bonus of 1,500 POPcoins on crossing ₹1.5 Lakhs in spends

Limitations

  • ✕ Does not include complimentary domestic or international airport lounge access
  • ✕ Existing YES Bank credit cardholders are ineligible to apply
  • ✕ Foreign currency transaction markup fee of 3.4% applies on international spends
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CUB SalarySe Level Up Credit Card

4.4/5
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CUB SalarySe Level Up Credit Card by City Union Bank
Joining Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Annual Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Best Suited For Salaried Individuals, Salary Day UPI Spends & Low Forex Foreign Transactions
Rewards Type Reward Points

Rewards Rate

25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000

Welcome Benefits

Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus

Card Details +

Key Advantages

  • ✓ Lifetime Free Virtual Card option available with ZERO joining and annual fees
  • ✓ Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI
  • ✓ Low 1% foreign currency markup fee on international spends
  • ✓ Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
  • ✓ 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend

Limitations

  • ✕ SCoins expire 18 months from the date they are earned
  • ✕ SCoins can only be redeemed on the SalarySe App for brand vouchers and catalog items
  • ✕ Lounge access requires physical card variant and ₹10,000 monthly spend threshold
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KIWI UPI RuPay Credit Card

4.7/5
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KIWI UPI RuPay Credit Card by YES Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Rewards Type Cashback

Rewards Rate

Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)

Welcome Benefits

Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ Earn up to 5% cashback on all eligible UPI transactions
  • ✓ Native RuPay credit card integration directly linked to Kiwi UPI App
  • ✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
  • ✓ Domestic airport lounge access available via Neon spend milestones

Limitations

  • ✕ Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
  • ✕ Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
  • ✕ No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends
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HDFC Bank UPI RuPay Credit Card

4.5/5
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HDFC Bank UPI RuPay Credit Card by HDFC Bank
Joining Fee ₹99 + GST
Annual Fee ₹99 + GST
Best Suited For UPI Payments, Groceries, Supermarket & Utility Spends
Rewards Type Cashback

Rewards Rate

3% CashPoints on groceries, dining & supermarket; 2% on utilities; 1% on other eligible spends

Welcome Benefits

Virtual card instant activation with MyCards integration

Card Details +

Key Advantages

  • ✓ Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.
  • ✓ 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
  • ✓ 2% CashPoints on utility payments
  • ✓ Issued digitally as a virtual card without physical card maintenance hassles
  • ✓ Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000

Limitations

  • ✕ 1 CashPoint = ₹0.25 valuation when redeemed against statement balance
  • ✕ Monthly cashback cap of 500 CashPoints per spend category
  • ✕ Excludes fuel, wallet reloads, rent payments, government transactions, and EMI spends
  • ✕ No airport lounge access or travel benefits
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Rupay Cards at a Glance

Best Rupay Credit Cards Comparison Table
Card Fee Rating
1. Axis Bank Neo Credit Card Free ★ 3.0 View →
2. HSBC RuPay Cashback Credit Card 1st Year Fee: ₹499* Plus Applicable Taxes ★ 3.0 View →
3. Scapia Credit Card Free ★ 4.7 View →
4. YES Bank POP CLUB Credit Card Free ★ 4.8 View →
5. CUB SalarySe Level Up Credit Card ₹0 (Virtual) / ₹500 + GST (Physical) ★ 4.4 View →
6. KIWI UPI RuPay Credit Card Free ★ 4.7 View →
7. HDFC Bank UPI RuPay Credit Card ₹99 + GST ★ 4.5 View →

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