Thinking of getting a RuPay credit card but confused about which one to pick?
You’re not alone. With seamless UPI integration, domestic offers, and low annual charges, RuPay credit cards are gaining serious traction in India. With so many RuPay cards available, it can be tricky to figure out which one truly offers the best value for your lifestyle.
Here’s a breakdown of the best RuPay credit cards in India that offer solid rewards, easy approval, and great value in 2025.
1. SBI RuPay SimplySAVE Credit Card
Why it’s great: Best for everyday expenses like groceries, movies, and dining.
Fee: ₹499 – but you won’t have to pay if you spend ₹1 lakh or more in a year.
UPI Support: Yes ✅
Best For: Beginners and casual users.
💡 Pro Tip: Link this card with BHIM or Paytm UPI for smoother daily payments.
2. HDFC RuPay Millennia Credit Card
Why it’s great: Offers 5% cashback on Amazon, Flipkart, Swiggy, BigBasket.
Annual Fee: ₹1,000 – waived when yearly expenses reach ₹1 lakh.
UPI Support: Yes ✅
Best For: Online shoppers and heavy app users.
🛍️ Perfect for those who love shopping from their phone.
3. Axis Bank RuPay Credit Card (Select Variant)
Why it stands out: Offers complimentary lounge access along with reward points on fuel and grocery purchases.
Annual Fee: ₹500–₹750
UPI Support: Yes ✅
Best For: Frequent travelers and reward seekers.
✈️ A solid travel companion with daily use perks.
4. PNB RuPay Platinum Credit Card
Why it’s great: Lifetime free option with decent reward system.
Annual Fee: ₹0
UPI Support: Yes ✅
Best For: Students, low spenders, and budget-conscious users.
📚 No annual fee = worry-free spending.
5. Union Bank RuPay Credit Card
Why it’s great: Decent credit limit and domestic offers.
Annual Fee: ₹499
UPI Support: Yes ✅
Ideal For: People with Union Bank accounts or those earning a regular salary.
🏦 Simple, clean, and gets the job done.
Why Choose RuPay Over Visa or MasterCard?
- Supports UPI: You can directly connect your RuPay credit card with popular UPI apps for smooth and instant payments.
- No Foreign Markup (domestic use): Keep your spends transparent.
- Made in India: Built in India, RuPay ensures your transaction data remains within national borders — offering better security and quicker processing.
- Growing acceptance: Almost all major apps and POS machines now support RuPay.
Final Thoughts
If you’re looking for a credit card that blends modern UPI features with old-school cashback and rewards, a RuPay credit card is a great pick.
Just choose based on your spending style — travel, online shopping, or daily groceries — and you’ll get the most value.
🧠 Frequently Asked Questions (FAQ)
Q1. What is a RuPay credit card?
RuPay credit cards are proudly homegrown, introduced by the NPCI to offer a reliable and cost-effective alternative to global networks. They support UPI integration, are widely accepted across India, and often come with low annual fees and domestic offers.
Q2. Is RuPay better than Visa or Mastercard?
It depends on your needs. For international usage, Visa/Mastercard are better. But for domestic spending + UPI linking, RuPay is now a smart choice — especially with cashback cards like HDFC Millennia or SBI SimplySAVE.
Q3. Is it possible to connect a RuPay credit card with UPI platforms like PhonePe or Google Pay?
Yes! Almost all new RuPay credit cards can be linked with UPI apps such as PhonePe, Paytm, Google Pay, and BHIM for smoother payments.
Q4. What are the top RuPay credit cards available in India currently?
For online shopping: HDFC Millennia RuPay
For beginners: SBI SimplySAVE RuPay
For no annual fee: PNB RuPay Platinum
Q5. Do RuPay credit cards support EMI payments?
Yes. Just like Visa or Mastercard, you can convert large purchases into EMIs — depending on the bank’s policy and merchant availability.
Q6. Do RuPay credit cards work outside India for international payments?
Mostly, RuPay is for domestic use. However, NPCI has started partnering with networks like Discover, JCB, and Diners for limited international access. For global use, Visa/Mastercard are still better.
Q7. Which Indian banks provide the top-performing RuPay credit cards?
- SBI
- HDFC Bank
- Axis Bank
- Punjab National Bank
- Union Bank of India