RuPay Credit Cards – Spend Smart, Save More!
Power Your Everyday Spends with the Best RuPay Credit Cards in India
Looking for a credit card that works seamlessly with UPI and everyday domestic transactions? Whether it’s groceries, fuel, online shopping, or utility bills — CardMela.com brings you a carefully curated selection of Top RuPay Credit Cards designed to reward every swipe and scan.
Enjoy more than just convenience — these credit cards offer unmatched integration with India’s digital payment ecosystem. From UPI compatibility and cashback rewards to fuel surcharge waivers and lifestyle perks, RuPay cards are made for the Indian way of spending.
Explore top cards like the HDFC Millennia RuPay, ICICI Coral RuPay, BOB Eterna RuPay, and PNB RuPay Platinum Credit Card — each tailored for modern Indian consumers.
These cards also come with added advantages like:
- Integration with UPI apps like PhonePe, Google Pay, Paytm (for credit card payments via UPI)
- Cashback or reward points on every spend, redeemable for vouchers, gifts, or bill payments
- Domestic airport lounge access on select variants
- Fuel surcharge waivers at major petrol pumps
- Annual fee waivers on reaching spending milestones
Start your journey with the right card. Use our comparison tool to evaluate key benefits, fees, eligibility, and apply directly from CardMela.
AU Bank Instapay Credit Card
★★★★☆ (4.5/5)
Ideal for digital payment enthusiasts and frequent UPI users
Benefits:
1% Cashback on UPI transactions (maximum ₹100 per billing cycle)
1% Fuel Surcharge Waiver on transactions ₹400–₹5,000 (maximum ₹100 per billing cycle)
Lifetime Free Card (No Joining Fee, No Annual Fee)
Contactless & Secure Payments
Instant UPI Payments through linked UPI apps
Easy linking with Google Pay, PhonePe, and Paytm
Eligibility:
Age 18-70 years, Minimum ₹1,00,000 annual income, Credit Score 750+, India resident, existing AU Bank customers
Fees:
No Joining or Annual Fee, Late Payment Fee ₹150–₹1,000 based on balance
IndusInd Bank Rupay Platinum Credit Card
★★★★☆ 43/5
Best for lifetime free UPI card with rewards and insurance
Benefits:
₹0 joining and annual fee
2x reward points on UPI spends
1x reward point on other spends
1% fuel surcharge waiver
₹25L air accident insurance
Travel insurance cover
Fraud protection up to credit limit
UPI linking with GPay PhonePe Paytm BHIM
Points redeemable for cashback and miles
Eligibility:
Minimum monthly income ₹20000
Available for new and existing IndusInd Bank customers
Fees:
Joining fee ₹0
Annual fee ₹0
ICICI Bank HPCL Credit Card
★★★★☆ (4.4/5)
Best for regular fuel and utility bill payments
Benefits:
5% cashback on HPCL fuel via ICICI POS or HP Pay
5% rewards on utilities and departmental stores
2 reward points per ₹100 on other spends
Movie discount ₹100 twice a month
1 lounge access/quarter on ₹75K spend
₹2L accident cover (RuPay only)
Eligibility:
Age 21–65 years
Salaried or self-employed with good credit score
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L spend)
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
Tata Neu HDFC Credit Card
★★★★★ (5/5)
Best for Tata brand loyalists seeking high rewards
Benefits:
5% NeuCoins on Tata Neu & partner brands
1.5% NeuCoins on non-Tata spends & UPI
1% fuel surcharge waiver
Domestic lounge access: 2 per quarter
Priority Pass for international lounges
Contactless payments enabled
Welcome benefit: 1,499 NeuCoins on first transaction
Renewal fee waiver on ₹3L annual spend
Eligibility
Salaried: 21–60 years, ₹25,000/month income
Self-employed: 21–65 years, ₹6L annual income
Indian resident, KYC compliant
Fees
Joining fee: ₹0 (First Year Free)
Annual fee: ₹1,499 + GST (waived on ₹3L annual spend)
Foreign currency markup: 2%
Tata Neu HDFC Plus Credit Card
★★★★☆ (4.5/5)
Best for Tata brand fans wanting high rewards
Benefits:
2% NeuCoins on Tata Neu & partner brands (non-EMI spends)
1% NeuCoins on non-Tata brand spends & EMI transactions
1% NeuCoins on UPI spends via RuPay (max ₹500/month)
Additional 5% NeuCoins on Tata Neu App/Website with NeuPass
Welcome benefit: 499 NeuCoins on first transaction within 30 days
4 complimentary domestic lounge visits per year (1 per quarter)
1% fuel surcharge waiver (up to ₹250/month)
Eligibility
Salaried 21–60 years with ₹25,000+ monthly income
Self-employed 21–65 years with ₹6 lakh+ annual income
Fees
Joining fee ₹499 + GST
Annual fee ₹499 + GST waived on ₹1 lakh annual spend
Axis Bank Airtel Credit Card
★★★★☆ (4.2/5)
Ideal for Airtel users and utility bill payers
Benefits:
25% cashback on Airtel mobile, broadband & DTH payments
10% cashback on utility bill payments via Airtel Thanks app
1% cashback on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank My Zone Credit Card
★★★★☆ (4.0/5)
Ideal for entertainment enthusiasts
Benefits:
Complimentary SonyLIV Premium subscription
Flat ₹120 off on Swiggy (twice a month)
Complimentary lounge access
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining Fee, ₹500 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Axis Bank Indian Oil Credit Card
★★★★☆ (4.0/5)
Ideal for moderate fuel spenders and online shoppers
Benefits:
20 EDGE Reward Points per ₹100 spent at IOCL fuel outlets (₹100–₹5,000/month)
5 EDGE Reward Points per ₹100 on online shopping (₹100–₹5,000/month)
1 EDGE Reward Point per ₹100 on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹50/month)
100% cashback up to ₹250 on first fuel transaction within 30 days
10% off on BookMyShow tickets, 15% off on dining via EazyDiner
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining & Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
SBI Simply Save Credit Card
★★★★☆ (4.0/5)
Ideal for everyday shoppers seeking accelerated rewards on daily essentials
Benefits:
10 Reward Points per ₹150 spent on Dining, Movies, Grocery, and Departmental Stores
1 Reward Point per ₹150 on other spends
2,000 bonus Reward Points on spending ₹2,000 within 60 days of issuance
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Contactless payments enabled
Reward Points redeemable against outstanding balance or a wide array of gifts
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
SBI BPCL Credit Card
★★★★☆ (4.2/5)
Ideal for regular commuters seeking fuel savings at BPCL outlets
Benefits:
4.25% value back on fuel purchases at BPCL petrol pumps (13X Reward Points: 3.25% + 1% fuel surcharge waiver)
Maximum 1,300 Reward Points per billing cycle on BPCL fuel spends
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 2,000 Reward Points on payment of joining fee
Reward Points redeemable for fuel purchases at BPCL outlets
Annual savings equivalent to 70 liters of fuel
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹50,000 spend/year), Late Fee ₹100–₹1,300
SBI BPCL Octane Credit Card
★★★★☆ (4.5/5)
Best suited for high fuel spenders seeking premium rewards and benefits
Benefits:
6.25% value back on fuel purchases at BPCL petrol pumps (25X Reward Points: 5.25% + 1% fuel surcharge waiver)
Instant redemption of Reward Points at select BPCL petrol pumps
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 6,000 Reward Points on payment of joining fee
Complimentary Fraud Liability Cover of ₹1 lakh
Reward Points redeemable for fuel or merchandise from the Shop & Smile Rewards Catalogue
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹1,499 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
AU Bank Business Credit Card
★★★★☆ (4/5)
★★★☆☆ (3.8/5)
*Designed for entrepreneurs and small business owners
Benefits:
Up to 2% Cashback on business spends
₹500 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹200/month
Free Add-on Cards
RuPay Offers & UPI Credit Card Compatibility
Eligibility:
₹25,000/month income, Self-employed or Business Owners, Credit Score 700+
Fees:
₹499 Annual Fee (waived on ₹40,000 annual spend), ₹500 Late Payment Fee approx.
ICICI Bank Make My Trip Credit Card
★★★★☆ (4.5/5)
Best for frequent travelers booking via MakeMyTrip
Benefits:
₹1,000 MakeMyTrip voucher on joining
Up to 6% myCash on MakeMyTrip bookings
1% myCash on other retail spends
8 domestic and 1 international lounge access per year
MMTBLACK Gold membership
0.99% forex markup
Buy 1 Get 1 movie ticket offer (up to ₹150, twice a month)
3 months no-cost EMI on MakeMyTrip bookings
Eligibility:
Indian resident with a stable income
Good credit history
Fees:
Joining fee ₹999 + GST
Annual fee ₹999 + GST (waived on ₹3L annual spend)
HDFC Bank Indian Oil Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank IRCTC Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
IDFC First Bank HPCL Credit Card
★★★★☆ (4.5/5)
Best for fuel & utility savings
Benefits:
₹250 cashback on 1st HPCL fuel spend
5% cashback on 1st EMI
Up to 5% rewards on grocery & utilities
5% rewards on FASTag recharge
3X rewards on UPI & retail spends
₹2L accident cover
1 free lounge visit per quarter
25% off on movies
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹199 + GST
Annual ₹199 + GST (waived on ₹50K+ spend)
Axis Bank Neo Credit Card
★★★☆☆ (3.8/5)
Ideal for beginners and online shoppers
Benefits:
10% off on Myntra, BookMyShow & Zomato
5% off on utility bill payments
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹250 Joining Fee, ₹250 Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
Save More, Go Digital – Your Ultimate Guide to the Best RuPay Credit Cards in India
India is going digital, and so should your wallet. Whether it’s everyday UPI payments, smart online shopping, or seamless domestic travel — a RuPay credit card can unlock a range of powerful benefits. At CardMela.com, we help you explore, compare, and apply for the best RuPay credit cards in India that match your lifestyle, spending pattern, and financial goals.
Instead of checking multiple bank websites, browse RuPay-enabled cards in one place that offer UPI integration, cashback, lounge access, fuel surcharge waivers, and more.
Why Choose a RuPay Credit Card?
RuPay credit cards are India’s own — designed for Indian usage patterns, UPI compatibility, and domestic spending. Here’s why more and more users are switching to them:
UPI Integration: Many RuPay credit cards now work with UPI apps like PhonePe, Google Pay & Paytm, allowing you to pay via credit using UPI.
Cashback & Reward Points: Cards like HDFC Millennia RuPay and ICICI Coral RuPay offer attractive cashback on shopping, dining, and bill payments.
Airport Lounge Access: Select RuPay credit cards come with complimentary domestic lounge access — ideal for frequent inter-city travellers.
Domestic Focus, Global Utility: While RuPay is primarily accepted in India, some cards also offer Discover/Diners/Global acceptance for limited international transactions.
Secure, Fast, and Indian: With robust NPCI backing and added transaction security, RuPay cards are tailored for Indian users.
Compare. Choose. Spend Smart.
At CardMela.com, we give you a transparent side-by-side comparison so you can evaluate:
- UPI Compatibility
- Cashback or Rewards structure
- Lounge Access availability
- Annual/Joining Fees
- Fuel & Utility Offers
- Eligibility & Credit Score Requirements
Some of Our Featured RuPay Credit Cards:
HDFC Millennia RuPay Credit Card: Great for UPI payments + cashback on Amazon, Flipkart, Swiggy, and more.
ICICI Coral RuPay Credit Card: Perfect mix of lifestyle, lounge access, and UPI utility.
Bank of Baroda Eterna RuPay Card: Premium RuPay card with reward points, fuel benefits, and EMI options.
You can also explore zero annual fee cards, lifestyle cashback cards, and fuel-efficient cards to suit your preferences.
Who Should Get a RuPay Credit Card?
RuPay credit cards are ideal for:
- UPI-heavy spenders
- Online shoppers looking for cashback
- Frequent domestic travellers
- Salary account holders with PSU banks
- Young professionals or students
- Budget-conscious families
- First-time credit card applicants
If any of these describe you, browse our RuPay card collection and apply directly from CardMela.com — no third-party spam, just simple application links.
Transparent Fees & Eligibility
Every card listed includes clear information about:
- Joining & Annual Fees
- Waiver Conditions (based on spending)
- Income Criteria for Salaried and Self-Employed
- Required Credit Score (usually 700+)
- Late Fees, Interest Rates & Charges
Maximize Every Spend with RuPay
RuPay credit cards are evolving — giving you the power of rewards, UPI, and digital integration. Pair a RuPay UPI-enabled card with a travel or fuel card to create a smart credit combo.
Example: Use HDFC Millennia RuPay for cashback + ICICI HPCL Card for fuel to maximize savings across categories.
Why Choose CardMela.com?
We’re India’s fast-growing credit card platform — committed to giving users:
- 100% Transparent Comparisons
- Updated Offers & Limited-Time Deals
- Direct Application Links
- No Misleading Claims
- Real Benefits, Not Just Hype
- Easy Navigation on Mobile & Desktop
Need help choosing? Head to our Credit Card Guides or check user reviews for every RuPay card listed.
Final Word
A RuPay credit card is more than a payment tool — it’s a step towards India-first digital finance. Whether you want to shop smart, pay via UPI, or get airport lounge perks — there’s a RuPay card made just for you.
Explore all RuPay credit cards, compare their features, and apply online — only on CardMela.com.moon, or flying abroad for work, there’s a card that’s perfect for you. Find it today.