Best RuPay Credit Cards in India for 2027
A RuPay credit card does one thing no Visa or Mastercard card can do in India: it links to UPI. You can scan any shop’s QR code and pay from your credit limit, earning rewards on payments that used to come straight out of your bank account.
That makes the RuPay version of a card the one most people actually use every day. But the rewards on UPI vary a lot. Some cards pay their full rate on UPI, some pay a lower rate, and some pay nothing extra at all.
We checked 15 RuPay credit cards against each bank’s own product page, fee schedule and terms. We ranked them by what you get back on everyday spending, including UPI, after the fee, and then by how easy the extra perks are to unlock.
Best RuPay Credit Cards: Quick Comparison
| Card | Joining Fee | Annual Fee | Key Benefit | Best For |
|---|---|---|---|---|
| 1. HDFC Tata Neu Infinity | ₹1,499 | ₹1,499 | 1.5% NeuCoins on UPI via Tata Neu UPI ID | UPI rewards |
| 2. Scapia Federal RuPay | Nil | Nil | 5% Scapia coins on UPI of ₹500+ | Free travel rewards |
| 3. HSBC RuPay Cashback | ₹499 | ₹499 | 10% on dining, food delivery and grocery | Dining and groceries |
| 4. Jupiter Edge+ CSB RuPay | ₹999 (₹0 offer) | Nil | Up to 10% value on shopping brands | Online shopping by UPI |
| 5. HDFC Pixel Play | ₹500 | ₹500 | 5% on merchant packs you choose | Custom cashback |
| 6. AU ixigo | Nil | Nil | 10% off flights and hotels on ixigo | Lifetime-free travel |
| 7. IDFC FIRST EA₹N | ₹499 (₹0 offer) | ₹499 | Issued against a ₹5,000 FD | No credit history |
| 8. BOBCARD Eterna | ₹2,499 (₹0 offer) | ₹2,499 | 2% forex, unlimited domestic lounges | Premium RuPay |
| 9. Google Pay Flex SBI Card | ₹499 | ₹499 | Up to 8 Stars per ₹500, used in GPay | Google Pay users |
| 10. ICICI Coral RuPay | ₹500 | ₹500 | Movie discounts and railway lounges | Low-fee lifestyle perks |
| 11. IndianOil Axis Bank | ₹500 | ₹500 | 4% back at IndianOil pumps | Fuel |
| 12. IRCTC SBI Card | ₹500 | ₹500 | Up to 10% back on AC train tickets | Train travel |
| 13. Union Bank RuPay Select | Nil | ₹550 | 2 international lounge visits a year | Cheap lounge access |
| 14. PNB RuPay Select | ₹500 | ₹750 | Fee waived by one swipe a quarter | Easy fee waiver |
| 15. IndusInd Platinum RuPay | Told at application | Nil | 2 points per ₹100 on UPI | No annual fee |
All fees are before 18% GST.
1. HDFC Bank Tata Neu Infinity Credit Card: Best for UPI Rewards
Why it made the list
It pays the highest published UPI rate on this list, and its NeuCoins are worth ₹1 each on Tata Neu. The RuPay variant also adds international lounge visits, which the Visa variant does not.
Key benefits
- 1.5% NeuCoins on UPI when you pay with the Tata Neu UPI ID (0.5% on any other UPI app), capped at 500 NeuCoins a calendar month
- 5% NeuCoins on Tata Neu and partner Tata brands, 1.5% on other card spends
- 8 domestic lounge visits a year (2 a quarter after ₹50,000 of spends in that quarter) and 4 international visits a year on RuPay
- 1,499 NeuCoins welcome benefit on your first transaction within 30 days
- 2% forex markup and a fuel waiver of up to ₹500 a cycle
Fees at a glance
| Joining / annual fee | ₹1,499 + GST each |
| Fee waiver | ₹3 lakh of spends a year |
| Minimum income | ₹1 lakh a month (salaried) |
Who should get it, and who should skip
Get it if you shop on Tata Neu, BigBasket or Croma and pay most bills by UPI.
Skip it if you spend under ₹3 lakh a year, because the UPI cap of 500 NeuCoins is reached at about ₹33,000 of UPI spends a month and the fee will not be waived.
2. Scapia Federal Bank RuPay Credit Card: Best Free Card for Travellers
Why it made the list
It costs nothing to hold and earns the same 5% coin rate on UPI as on card spends. It comes as a free companion to the Scapia Visa card.
Key benefits
- 5% in Scapia coins on UPI payments and spends of ₹500 or more; 5 coins are worth ₹1, so this is about 1% back
- 20% in coins on travel booked in the Scapia app
- Unlimited domestic lounge visits in any billing cycle where you spend ₹20,000
- No published monthly cap on coins
Fees at a glance
| Joining / annual fee | Nil |
| Rent, fuel, utility fee | 1% above set limits, maximum ₹3,000 a transaction |
| Reward redemption | Travel on the Scapia app only |
Who should get it, and who should skip
Get it if you travel within India a few times a year and can put ₹20,000 a month on it. Skip it if most of your UPI payments are under ₹500, which earn nothing, or if you want cashback rather than travel credit.
Federal Bank’s terms count spends separately for the Visa and RuPay cards, so the ₹20,000 lounge spend may need to be on one card.
3. HSBC RuPay Cashback Credit Card: Best for Dining and Groceries
Why it made the list
It pays 10% cashback on the three categories most families spend on weekly. Cashback goes straight to the statement, with no points to convert.
Key benefits
- 10% cashback on dining, food delivery and grocery, 1% on other spends including UPI, with a combined cap of ₹400 a month
- ₹500 cashback for logging in to the HSBC app and spending ₹10,000 within 30 days, for applications until 31 December 2026
- 0% forex markup as a promotion until 31 December 2026 (3.5% otherwise)
- Lounge access: HSBC’s product page lists up to 10 visits a year
Fees at a glance
| Joining / annual fee | ₹499 + GST each |
| Fee waiver | Spends above ₹2 lakh a year |
| Minimum income | ₹6 lakh a year (salaried) |
Who should get it, and who should skip
Get it if you live in one of HSBC’s 21 listed cities and spend ₹4,000 or more a month on food and groceries. Skip it if you spend heavily, because the ₹400 cap makes it a poor main card.
4. Jupiter Edge+ CSB Bank RuPay Credit Card: Best for Online Shopping by UPI
Why it made the list
No other card here pays as much on big shopping sites through UPI. The catch is that only UPI payments made in the Jupiter app earn rewards.
Key benefits
- 50% Jewels (worth 10%) on Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma and others, but only in cycles where you spend over ₹15,000; otherwise 5% Jewels
- Shopping Jewels capped at 10,000 per category, 3,000 per merchant and 1,000 per transaction each cycle
- 5% Jewels (worth 1%) on all other eligible spends, uncapped
- 25% Jewels on flights booked in the Jupiter app
- A Jewel is worth ₹0.20 on vouchers, flights or gold, but only ₹0.14 as cash
Fees at a glance
| Joining fee | ₹999 + GST; ₹0 under Jupiter’s current offer |
| Annual fee | Nil |
| Forex markup | 3.5% |
Who should get it, and who should skip
Get it if you shop online often and spend over ₹15,000 a month. Skip it if you prefer GPay or PhonePe, because UPI through any app other than Jupiter earns nothing.
Apply on Jupiter · Read about the ₹15,000 condition
5. HDFC Bank Pixel Play Credit Card: Best for Choosing Your Own Cashback
Why it made the list
You pick which merchants earn 5%, and you can change them every 3 months. When you apply, you can choose the RuPay version, which is the one that works on UPI.
Key benefits
- 5% on 2 merchant packs you choose (for example Zomato and BookMyShow, or Myntra and Nykaa), capped at 500 CashPoints a month
- 3% on one of Amazon, Flipkart or PayZapp, capped at 500 CashPoints a month, but not when paid by UPI
- 1% on UPI spends, capped at 500 CashPoints a month
- 1 CashPoint is worth ₹1 in PayZapp, with a minimum redemption of 1,000
Fees at a glance
| Joining / annual fee | ₹500 + GST each |
| Fee waiver | Joining: ₹20,000 in 90 days. Annual: ₹1 lakh a year |
| Minimum income | ₹25,000 a month (salaried) |
Who should get it, and who should skip
Get it if two or three apps take most of your money each month. Skip it if you want lounge access or travel perks, which this card does not have.
Apply on HDFC Bank · Read the full Pixel Play review
6. AU ixigo Credit Card: Best Lifetime-Free Card for Travel Bookings
Why it made the list
It has no annual fee yet carries airport lounges, booking discounts and 0% forex. The RuPay variant earns points on UPI as well.
Key benefits
- 10% off flights (up to ₹3,000), hotels (up to ₹3,000) and buses (up to ₹300) on ixigo, plus no gateway fee on train bookings
- 1,000 bonus points and ₹1,000 ixigo money on your first transaction within 30 days
- 5,000 bonus points for every ₹75,000 spent in a calendar quarter; monthly points capped at 10,000
- 2 domestic airport lounge visits a quarter after ₹50,000 of spends in the previous quarter
- 0% forex markup, though RuPay is accepted at fewer places abroad
Fees at a glance
| Joining / annual fee | Nil (AU calls it a limited-period offer) |
| Reward redemption | ₹99 + GST each time |
| Fuel waiver | 1% on ₹400 to ₹5,000, up to ₹250 a month |
Who should get it, and who should skip
Get it if you book trains, buses and flights on ixigo. Skip it if you want a card for foreign trips, because international spends earn no points and RuPay acceptance abroad is limited.
7. IDFC FIRST EA₹N Credit Card: Best for No Credit History
Why it made the list
It is issued against a fixed deposit of as little as ₹5,000, with no income proof or credit score needed. Using it well builds a credit history from scratch.
Key benefits
- 1% cashback on UPI through the IDFC FIRST app, 0.5% on UPI through other apps and on online spends, capped at ₹500 a statement cycle
- Credit limit equal to 100% of your FD, which keeps earning interest
- 0% forex markup
- 10% cashback, up to ₹250, on your first transaction within 15 days
Fees at a glance
| Joining fee | ₹499 + GST; ₹0 under the current offer |
| Annual fee | ₹499 + GST, waived on ₹1 lakh a year |
| Eligibility | Age 18 to 80, FD of ₹5,000 or more |
Who should get it, and who should skip
Get it if you are a student, a first-time earner or rebuilding a weak score. Skip it if you already qualify for an unsecured card, which will usually pay more.
8. BOBCARD Eterna Credit Card: Best Premium RuPay Card
Why it made the list
It brings premium features to RuPay: a 2% forex markup and unlimited domestic lounge visits. UPI spends earn only the base rate, which is why it sits mid-list.
Key benefits
- 15 points per ₹100 (3.75%) on dining, travel, online and international spends, with bonus points capped at 5,000 a cycle
- 3 points per ₹100 (0.75%) on other spends, including all UPI payments; a point is worth ₹0.25
- 10,000 points on ₹50,000 of spends in 60 days, and 20,000 points on ₹5 lakh in a card year
- Unlimited domestic lounge visits after ₹75,000 of spends in the previous quarter
Fees at a glance
| Joining fee | ₹2,499 + GST; ₹0 from 1 September 2026 under a limited offer |
| Annual fee | ₹2,499 + GST, waived on ₹2.5 lakh a year |
| Minimum income | Above ₹12 lakh a year |
Who should get it, and who should skip
Get it if you dine out, shop online and travel abroad on one card. Skip it if UPI is your main payment method, because UPI never earns the 5x rate.
Apply on BOBCARD · Read the full Eterna review
9. Google Pay Flex SBI Card: Best for Google Pay Users
Why it made the list
You apply for it, manage it and spend its rewards entirely inside Google Pay. Its Stars are worth ₹1 each and can be used as instant cashback on UPI payments.
Key benefits
- 1 Star per ₹500 at base, 2 Stars after a cycle with ₹100 of spends, rising to as much as 8 Stars per ₹500 (about 1.6%) above ₹30,000 in a cycle
- Stars capped at 1,500 per statement cycle; the spend-based multipliers are an introductory offer
- Welcome gift of ₹500 plus 500 Stars
- Stars are earned on fuel, unlike most cards here
Fees at a glance
| Joining / annual fee | ₹499 + GST each |
| Fee waiver | ₹1 lakh of spends in the previous year |
| Star validity | 1 year |
Who should get it, and who should skip
Get it if you already pay everything through Google Pay and spend over ₹15,000 a cycle. Skip it if you spend less, because the base rate is just 0.2%.
See it on SBI Card · Read the full Google Pay Flex review
10. ICICI Bank Coral RuPay Credit Card: Best for Low-Fee Lifestyle Perks
Why it made the list
For ₹500 a year it gives movie discounts, airport and railway lounges, and milestone points. UPI spends earn at the card’s normal point rate.
Key benefits
- 2 points per ₹100 on retail spends and 1 point on utility and insurance; points are counted on grocery spends up to ₹20,000 a cycle
- 2,000 points at ₹2 lakh of yearly spends, plus 1,000 for each further ₹1 lakh, up to 10,000 a year
- 1 domestic airport lounge visit a quarter after ₹75,000 of spends in the previous quarter, plus 4 railway lounge visits a year
- 25% off movie tickets, up to ₹100, twice a month on BookMyShow and INOX
Fees at a glance
| Joining / annual fee | ₹500 + GST each |
| Fee waiver | ₹1.5 lakh a year |
| Minimum income | ₹20,000 a month (salaried) |
Who should get it, and who should skip
Get it if you want a first ICICI card with a few lifestyle perks. Skip it if you want a high reward rate, since ICICI does not publish a rupee value for Coral points.
A Braille version of the RuPay card is available for visually impaired customers.
11. IndianOil Axis Bank Credit Card: Best for Fuel
Why it made the list
Axis puts the return at IndianOil pumps at 4%, the best fuel rate on this list. The first fuel fill can come back to you in full.
Key benefits
- 20 points per ₹100 at IndianOil outlets on fuel spends up to ₹5,000 a month, capped at 1,000 points a month
- 5 points per ₹100 online, capped at 250 points a month; 1 point per ₹100 on other spends
- 100% value back on your first fuel transaction within 30 days, up to 1,250 points
- 1% fuel surcharge waiver on ₹400 to ₹4,000 at IndianOil, up to ₹50 a cycle
Fees at a glance
| Joining / annual fee | ₹500 + GST each |
| Fee waiver | ₹3.5 lakh a year |
| Age | 18 to 70 |
Who should get it, and who should skip
Get it if you fill up at IndianOil and spend about ₹5,000 a month on fuel. Skip it if you use other fuel brands, or spend less than ₹3.5 lakh a year, since the fee then stays.
12. IRCTC SBI Card: Best for Train Travel
Why it made the list
No other card here pays as much back on AC train tickets, and SBI publishes no cap. Points are spent on train tickets at ₹1 each.
Key benefits
- Value back in points on AC1, AC2, AC3, Executive and Chair Car tickets booked on IRCTC: 10% for travel from 15 January to 31 March and 15 July to 15 September, 4% on other dates, on the base fare
- 1 point per ₹125 on other spends
- 350 points on a ₹500 spend within 60 days, and 500 points each year you pay the renewal fee
- 4 railway lounge visits a year, one a quarter, and no 1% IRCTC transaction charge
Fees at a glance
| Joining / annual fee | ₹500 + GST each |
| Fee waiver | None |
| Fuel waiver | 1% on ₹500 to ₹3,000, up to ₹100 a cycle |
Who should get it, and who should skip
Get it if you book AC train tickets every month. Skip it if you travel by train rarely, since the fee cannot be waived.
Apply on SBI Card · Read the full IRCTC SBI review
13. Union Bank RuPay Select Credit Card: Best for Cheap Lounge Access
Why it made the list
It is the cheapest card on this list with international lounge visits. Its points are also worth a clear 1%.
Key benefits
- 4 points per ₹100, with each point worth ₹0.25, so 1% back
- 8 domestic lounge visits a year (2 a quarter) and 2 international visits a year
- ₹10 lakh accident cover
- 3% forex markup, lower than most cards here
Fees at a glance
| Joining fee | Nil |
| Annual fee | ₹550 + GST, waived on ₹50,000 a year |
| Credit score | 700 or above |
Who should get it, and who should skip
Get it if you bank with Union Bank and fly a few times a year. Skip it if you want app-based offers or a modern digital experience.
14. PNB RuPay Select Credit Card: Best for an Easy Fee Waiver
Why it made the list
You avoid the annual fee just by using the card once each quarter. It also carries international lounge visits and a generous fuel waiver.
Key benefits
- 2 points per ₹150, each worth ₹0.25 (about 0.33%)
- 2 domestic lounge visits a quarter and 2 international visits a year
- 1% fuel waiver on ₹400 to ₹4,000, up to ₹350 a cycle
- ₹10 lakh personal accident cover and 300 points on your first swipe within 90 days
Fees at a glance
| Joining fee | ₹500 + GST |
| Annual fee | ₹750 + GST, waived if used once every quarter |
| Minimum income | ₹5 lakh a year |
Who should get it, and who should skip
Get it if you are a PNB customer who wants lounge access with no spending target. Skip it if rewards matter to you, since the rate is low and a ₹99 fee applies to each redemption from 1 November 2026.
Apply on PNB · Read the full PNB RuPay Select review
15. IndusInd Bank Platinum RuPay Credit Card: Best for No Annual Fee
Why it made the list
On paper this is one of the best UPI earners here: points worth about 1.2% on UPI, with no annual fee. It ranks last only because IndusInd does not publish its joining fee.
Key benefits
- 2 points per ₹100 on UPI and 1 point per ₹100 on other spends
- Points worth ₹0.60 each on non-cash redemptions; cash redemption is capped at 2,500 points a month
- No 1% fee on rent payments, which most cards now charge
- Travel cover for lost baggage up to ₹1 lakh
Fees at a glance
| Joining fee | One-time fee, told at application |
| Annual fee | Nil |
| Forex markup | 3.5% |
Who should get it, and who should skip
Get it if you pay mostly by UPI and the joining fee you are quoted is small. Skip it if the quote is high, since IndusInd’s terms list a joining fee of up to ₹10,000.
Apply on IndusInd Bank · Read the full Platinum RuPay review
How to Choose the Right RuPay Credit Card
How much do I pay by UPI each month? If UPI is most of your spending, pick a card that pays its full rate on UPI, like Tata Neu Infinity, Scapia or IndusInd. Cards like Eterna and Pixel Play pay less on UPI than on card swipes.
Which app do I pay with? Some cards only reward UPI inside one app. Jupiter Edge+ earns nothing outside the Jupiter app, and Tata Neu Infinity pays its top rate only through the Tata Neu UPI ID.
Can I reach the fee waiver? A ₹500 card with a ₹3.5 lakh waiver costs you every year unless you spend heavily. PNB, Union and Google Pay Flex have the easiest waivers on this list.
Do I travel abroad? RuPay is accepted at fewer places overseas. Keep a Visa or Mastercard for foreign trips, or pick a card that comes in both versions.
How We Picked These Cards
We started from every RuPay credit card open to new customers that we could check on the bank’s own website. Each fee, reward rate, cap and benefit here comes from the issuer’s product page, Key Fact Statement or terms, checked in October 2026.
We left out cards whose RuPay version we could not confirm on the bank’s own site, and cards open only to existing customers. Fees and rewards change often, so check the bank’s page before you apply.
Frequently Asked Questions
Which RuPay credit card gives the most rewards on UPI?
HDFC Tata Neu Infinity pays 1.5% on UPI through the Tata Neu UPI ID, capped at 500 NeuCoins a month. IndusInd Platinum RuPay pays about 1.2% on UPI with no published cap.
Is there a lifetime-free RuPay credit card?
Yes. Scapia Federal RuPay and AU ixigo charge no joining or annual fee, and IndusInd Platinum RuPay has no annual fee. AU describes the ixigo offer as limited-period.
Can I use a RuPay credit card on any UPI app?
Most RuPay credit cards link to GPay, PhonePe, Paytm and other UPI apps. Rewards can differ by app: Jupiter Edge+ rewards only Jupiter app payments, and IDFC FIRST EA₹N pays 1% only through the IDFC FIRST app.
Can I send money to a friend with a RuPay credit card on UPI?
No. Credit cards on UPI work only for payments to merchants, not transfers to people. Cash withdrawal is also not allowed through UPI.
Which RuPay credit card has international lounge access?
HDFC Tata Neu Infinity gives 4 international visits a year on RuPay. PNB RuPay Select and Union Bank RuPay Select each give 2 a year.
Can I get a RuPay credit card with no credit history?
Yes. The IDFC FIRST EA₹N card is issued against a fixed deposit of ₹5,000 or more, with no income proof needed.
Do RuPay credit cards work abroad?
Some do, but acceptance is limited compared with Visa and Mastercard. HSBC’s RuPay card works on the JCB network abroad, but carry a second card on foreign trips.
Bottom Line
For most people who pay mainly by UPI, the HDFC Tata Neu Infinity Credit Card is the best RuPay card in 2027. It pays 1.5% on UPI, 5% on Tata brands and adds international lounges.
If you spend under ₹3 lakh a year, the free Scapia Federal RuPay card is the better pick.
If you want simple cashback, choose the HSBC RuPay Cashback card for food and groceries. Choose HDFC Pixel Play if your spending is spread across a few apps.
Skip RuPay as your only card if you travel abroad often. Fees and features are as of October 2026, so check the bank’s site before applying.
