Introduction
RuPay credit cards have gained significant traction in India for their affordability, diverse features, and compatibility with UPI. Whether you’re looking for cashback, rewards, or premium benefits, there’s a RuPay credit card to suit your needs. Here’s our roundup of the best RuPay credit cards in India for 2024.
COMPARE AND ANALYSE
Best RuPay Credit Cards in India in 2024: Features & Benefits
01
Tata Neu Infinity RuPay Credit Card
Annual Fee: ₹1,500 (First Year Free; Lifetime Free with ₹3L annual spends)
Rewards:
UPI Transactions:
- 1.5% back as NeuCoins on Tata Neu App
- 0.5% back on other UPI apps.
Non-UPI Transactions:
- 5% back on Tata Neu and partner brands.
- 1.5% back on other non-Tata brand spends
Why Choose It?: High rewards on Tata ecosystem spending, competitive UPI benefits, and a fee waiver on achieving spending milestones.
Drawback: NeuCoins are restricted to the Tata ecosystem, limiting redemption flexibility.
What’s good: High rewards on Tata brand purchases and milestone-based fee waivers. Suitable For: Tata brand loyalists and frequent shoppers on Tata Neu.
02
Kiwi Yes Bank RuPay Credit Card
Annual Fee: ₹500 (Neon Programme free in the first year)
Rewards:
- Base earn: 0.5% on collect+ intent and 2% on scan & pay on large merchants
- Milestone 1: 3% cashback on achieving eligible spends of Rs.50,000
- Milestone 2: 4% cashback on achieving eligible spends of Rs.1,00,000
- Milestone 3: 5% cashback on achieving eligible spends of Rs.1,50,000
Why Choose It?: Direct cashback credited to your bank account and a virtual credit card option for easy usage
Drawback: Limited availability for existing Yes Bank or Kiwi cardholders
What’s good: Instant cashback of 2-5% on UPI and non-UPI spends.
Suitable For: Users looking for a virtual credit card with direct cashback benefits.
03
IndusInd Bank Platinum RuPay Credit Card
Annual Fee: Lifetime Free (LTF)
Rewards:
- UPI Spends: 2% cashback.
- Non-UPI Spends: 1% cashback.
- Redeem points for Vistara vouchers, InterMiles, or gift cards via IndusMoments.
Why Choose It?: A straightforward, LTF card with strong UPI rewards.
Drawback: Lackluster customer service reported by users.
What’s good: Lifetime-free card offering 2% cashback on UPI transactions.
Suitable For: Budget-conscious users who value straightforward rewards and no annual fee.
04
Supercard by Flipkart (coming soon)
Annual Fee: No joining fee and no annual fee
Rewards:
UPI:
- Upto 5% cashback on UPI transactions
Non-UPI:
- 5%, 3% & 2% cashback on non-UPI spends on Myntra, Cleartrip & Flipkart
- 0.5% cashback on all non-UPI credit card transactions
Upcoming Features: Additional 3% cashback on UPI scan and pay spends with the launch of Supercard Plus
Why Choose It?: The Supermoney app enhances RuPay credit cards by offering cashback on all payments, creating a unique blend of utility and rewards for UPI transactions.
Drawback: RuPay cards work only with merchant payments on UPI and face a ₹2,000 limit for offline transactions in many cases.
Pro Tip: Combine the Supermoney app with your preferred RuPay credit card for merchant payments to maximize your rewards. This is especially effective for frequent UPI users looking for instant cashback.
This addition reflects how Supermoney is setting the stage for a big shift in the credit card market, combining the flexibility of UPI with attractive rewards.
05
Axis Bank Indian Oil RuPay Credit Card
Annual Fee: ₹500
Rewards:
- Fuel Benefits: 4% cashback on fuel transactions by earning 20 reward points per INR 100 spent on fuel at IOCL outlets; fuel surcharge waiver of 1% upto Rs 50 per billing cycle
- Everyday Spends: 1% value back on online shopping spends
Why Choose It?: Ideal for frequent drivers who want fuel cost savings.
Drawback: Limited benefits outside the fuel category.
What’s good: Best-in-class rewards for fuel purchases at Indian Oil outlets.
Suitable For: Regular drivers and those who want to save on fuel costs.
Comparison Table: Best RuPay Credit Cards in India for 2024
| Credit Card | Annual Fee | UPI rewards | Non-UPI rewards | Ideal For |
|---|---|---|---|---|
| Tata Neu Infinity RuPay Credit Card | ₹1,500 (First Year Free; Lifetime Free with ₹3L annual spends) | 1.5% back as NeuCoins on Tata Neu App. 0.5% back on other UPI apps | 5% back on Tata Neu and partner brands 1.5% back on other non-Tata brand spends | Tata brand loyalists and frequent shoppers on Tata Neu |
| Kiwi Yes Bank RuPay Credit Card | ₹500 (Neon Programme free in the first year) | 0.5% on collect + intent and 2% on scan & pay on large merchants 3-5% cashback on achieving milestone beyond Rs 50,000 spends | – | Users looking for a virtual credit card with direct cashback benefits |
| IndusInd Bank Platinum RuPay Credit Card | Lifetime Free | 2% cashback | 1% cashback | Budget-conscious users who value straightforward rewards and no annual fee |
| Supermoney Supercard Plus by Flipkart | Lifetime Free | 3% cashback on UPI scan and pay via Supermoney Plus | 5%, 3% & 2% cashback on non-UPI spends on Myntra, Cleartrip & Flipkart 0.5% cashback on all non-UPI credit card transactions | Heavy UPI users looking for a reliable cashback solution for merchant payments |
| Axis Bank Indian Oil RuPay Credit Card | ₹500 | 4% value back on fuel transactions at IOCL outlets, fuel surcharge waiver of 1% | 1% value back on online shopping transactions | Regular drivers and those who want to save on fuel costs |
How to Choose the Best RuPay Credit Card
How to Choose the Right RuPay Credit Card
- For Cashback Seekers: Kiwi RuPay by Yes Bank.
- For High Spenders in Tata Ecosystem: Tata Neu Infinity.
- For Frequent Drivers: Axis Bank Indian Oil.
- For Lifetime Free Rewards: IndusInd Platinum.
- For heavy UPI transactors: Supercard by Flipkart (coming soon)
Why Choose RuPay Credit Cards?
RuPay cards are a game-changer for Indian consumers. These cards combine robust UPI functionality with traditional credit card benefits, such as cashback, rewards, and fee waivers. Additionally, they often come with lower fees and exclusive benefits for domestic transactions, making them an excellent choice for value-conscious users.
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