#credit cards 2024

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Best RuPay Credit Card in India 2024

So, you’re on the hunt for the best rupee credit card in India for 2024, huh? With a plethora of options available, it can be quite a task to choose the right one. But don’t worry, we’ve got you covered. In this article, we’ll dive deep into the top RuPay credit cards available in India, scrutinising their features, fees, and eligibility criteria. By the end, you’ll have a clear picture of which card suits your needs the best.

Why Choose a RuPay Credit Card?

First off, why would you want a rupee credit card? Well, RuPay cards are Indian domestic cards launched by the National Payments Corporation of India (NPCI). They often come with lower transaction fees and are accepted widely nationwide. Plus, they’re perfect for anyone looking to support the Indian economy while enjoying some fantastic perks.

HDFC Bank UPI RuPay Credit Card

Features

The HDFC Bank UPI RuPay Credit Card is a stellar choice for those who frequently use UPI payments. You can link this card to your UPI ID and enjoy seamless transactions.

UPI Integration: Link your card to your UPI ID for hassle-free payments.

Rewards: Earn reward points on every transaction.

Cashback: Attractive cashback offers on online and offline purchases.

Security: Enhanced security features with tokenisation.

3% CashPoints: Earn up to 500 points per month on PayZapp transactions, groceries, supermarket, and dining spends.

2% CashPoints: Earn up to 500 points per month on utility spends.

1% CashPoints: Earn up to 500 points per month on other purchases, excluding rent, wallet loads, EMI, fuel, and government spends.

Redemption Rate: 1 CashPoint = Re. 0.25 or 0.25 Airmile.

Annual Fee

The annual fee for this card is ₹500, which is quite reasonable considering the features on offer.

Eligibility

To be eligible for this card, you need to be an Indian resident aged between 21 and 60 years. A good credit score and a stable income are also essential.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Myntra Kotak RuPay Credit Card

Features

If you’re a fashion enthusiast, the Myntra Kotak RuPay Credit Card is perfect for you. It offers exclusive benefits on Myntra and other partnered stores.

Myntra Offers: Exclusive discounts and cashback on Myntra.

Reward Points: Earn reward points on all purchases.

No Cost EMI: Convert big purchases into easy EMIs at no extra cost.

5% Cashback: Earn cashback on spends at partner merchants, including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.

Unlimited 1.25% Cashback: Earn cashback on other category spends.

Instant Discount: Receive a 7.5% discount on every transaction at Myntra.

Complimentary Membership: Get Myntra Insider Membership at no additional cost.

Welcome Voucher: Receive a Rs. 500 Myntra voucher upon completing the first transaction worth Rs. 500 or more within 30 days of card issuance.

PVR Tickets: Get 2 complimentary PVR tickets every quarter by spending Rs. 50,000 or more in a quarter.

Lounge Access: Enjoy 1 complimentary domestic lounge access per quarter.

Annual Fee

This card comes with an annual fee of ₹499, which is waived off if you spend over ₹50,000 annually.

Eligibility

Applicants should be between 21 and 65 years old, with a stable income and a decent credit history.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

HDFC MoneyBack+ RuPay Credit Card

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Features

The HDFC MoneyBack+ RuPay Credit Card is designed for those who love to shop and get rewarded for it.

Cashback: Up to 5% cashback on all online spending.

Reward Points: Earn 2X reward points on grocery and utility payments.

Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharges.

Earn 10X CashPoints on purchases from Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.

Get 5X CashPoints on EMI spend at participating merchant locations.

Accumulate 2 CashPoints for every Rs. 150 spent in other categories.

Receive 500 CashPoints upon payment of the joining and renewal fees.

Enjoy gift vouchers worth Rs. 500 when you reach quarterly spending of Rs. 50,000 or more.

Benefit from up to 20% discount at partner restaurants through Swiggy Dineout.

Annual Fee

The annual fee for this card is ₹500, but it’s waived off if you spend more than ₹1 lakh in a year.

Eligibility

To qualify, you must be between 21 and 60 years old with a stable job and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Tata Neu HDFC RuPay Credit Cards

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Features

For Tata brand loyalists, the Tata Neu HDFC RuPay Credit Card offers some exciting perks.

Tata Neu Coins: Earn Tata Neu Coins on every spend, redeemable across Tata brands.

Exclusive Offers: Get exclusive offers on Tata products and services.

Travel Benefits: Special travel deals and discounts.

Get up to 5% back as NeuCoins on non-EMI purchases from Tata Neu and partner Tata brands, including Air India and Westside.

Earn up to 1.5% back as NeuCoins on non-Tata brand purchases and any EMI transactions.

Enjoy an additional 5% back as NeuCoins on transactions made through the Tata Neu app or website, after downloading the app and registering for Tata NeuPass.

Access up to 8 domestic lounges per calendar year (2 per quarter).

Receive 4 complimentary international lounge accesses per calendar year (1 per quarter) with a RuPay Card.

Annual Fee

This card has an annual fee of ₹499, which is quite nominal given the benefits.

Eligibility

Applicants need to be Indian residents aged between 21 and 65 years with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IRCTC SBI RuPay Platinum Credit Card

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Features

If you’re a frequent traveller on Indian Railways, the IRCTC SBI RuPay Platinum Credit Card is a fantastic choice.

Railway Ticket Discounts: Get discounts on booking railway tickets.

Reward Points: Earn reward points on all transactions.

Fuel Surcharge Waiver: Enjoy fuel surcharge waivers at petrol pumps.

Earn 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.

Receive 10% value back in reward points when booking AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets via the IRCTC website or mobile app.

Enjoy a 1% transaction fee waiver on railway ticket bookings through IRCTC.

Accumulate 1 reward point for every Rs. 125 spent on non-fuel retail purchases.

Benefit from 4 complimentary railway lounge accesses each year.

Annual Fee

The annual fee is ₹500, but you can get it waived off by spending ₹2 lakh in a year.

Eligibility

To be eligible, you must be between 18 and 65 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IndianOil Axis RuPay Credit Card

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Features

The IndianOil Axis RuPay Credit Card is tailored for those who spend a lot on fuel.

Fuel Points: Earn fuel points on every fuel purchase at IndianOil outlets.

Cashback: Get cashback on fuel purchases.

Reward Points: Earn reward points on all other spends.

Earn 4% value back on fuel purchases with 20 reward points per Rs. 100 spent at any IOCL outlets.

Get 1% value back with 5 reward points per Rs. 100 spent on online shopping.

Accumulate 1 EDGE reward point for every Rs. 100 spent on other categories.

Receive EDGE reward points worth up to Rs. 250, equivalent to the value of your first fuel spend made within 30 days of card issuance.

Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 4,000 per month.

Save 10% on movie ticket bookings through the BookMyShow app or website.

Annual Fee

The annual fee for this card is ₹500, waived if you spend ₹30,000 annually.

Eligibility

You should be between 21 and 60 years old, with a stable income and a decent credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

ICICI HPCL Super Saver RuPay Credit Card

Features

For those who often find themselves at HPCL petrol stations, the ICICI HPCL Super Saver RuPay Credit Card is a great fit.

Fuel Surcharge Waiver: Enjoy a surcharge waiver on fuel purchases at HPCL outlets.

Reward Points: Earn reward points on all transactions.

Cashback: Get cashback on fuel and non-fuel purchases.

Earn 2,000 reward points when you spend at least Rs. 5,000 within 45 days of card issuance.

Get Rs. 100 cashback on a recharge transaction of Rs. 1,000 or more through the HP Pay app.

Receive 4% cashback, up to Rs. 200 per month, on fuel purchases at HPCL pumps.

Enjoy 5% back in reward points on grocery, departmental store, and utility bill expenses.

Accumulate 2 reward points for every Rs. 100 spent on retail purchases.

Gain an additional 1.5% savings with 6 reward points per Rs. 100 spent on fuel at HPCL outlets when paying via the HP Pay app.

Benefit from 1% cashback on the fuel surcharge for all fuel purchases up to Rs. 4,000.

Avail 25% off when booking at least 2 movie tickets through BookMyShow or INOX.

Receive 1 complimentary domestic airport lounge access per quarter when you spend Rs. 5,000 in the previous calendar quarter.

Annual Fee

This card has an annual fee of ₹500, which is waived if you spend ₹50,000 in a year.

Eligibility

To be eligible, you need to be between 21 and 60 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

What is a RuPay Credit Card?

RuPay, an Indian domestic card scheme, was launched by the National Payments Corporation of India (NPCI). It’s designed to fulfil the Reserve Bank of India’s vision of a domestic, open, and multilateral system of payments. In simpler terms, it’s a home-grown alternative to Visa and Mastercard, offering similar functionalities but with added perks for Indian users.

Benefits of Using RuPay Credit Cards

So, why choose RuPay over other options? Here are some benefits:

Localised Benefits: Tailored for Indian customers, often with lower transaction fees.

Security: Enhanced security features tailored to Indian regulatory standards.

Acceptance: Widely accepted across India, with an increasing global presence.

Government Incentives: Often linked with government schemes, offering extra perks.

[relaxedstyles]

[card-of-the-day]

Today's Card Is: Opus

[loopyarts]

Happy Germa 66 day 6/6

#ジェルマの日

June 6 is Germa Day in the Japanese fandom and I thought it would be fun to join in on the event.

[alexturntable]

ScuderiaFerrari As vending machines go, this one is pretty cool 😎

[governmentmandatedryujinstan420]

I FORGOT TO THROW OUT AFTER THE EPISODE RELEASED NOOOOOOOOOOOOOOOOO

[marieshyperf1xations]

YES RB, THAT'S HOW YOU DO A SPECIAL LIVERY!!!

Ferrari, take notes 👀

[doctorsiren]

artfight card !

[mollyyancey]

the joon yorigami wallet i got has taken my card hostage and i cant get it out

[slutforpringles]

visacashapprb: Dream team 🫶

[changjo2003]

This is my impression watching them during this couple photoshoot:

Seo In Guk: I can't believe this is happening LOL 😂🤣

Ahn Jae Hyun: It is happening 🫠

Seo In Guk went from hesitantly agreeing to do the Part 2 MV to now manifesting a drama with the two of them in a matter of weeks.

I won't get over them holding hands. Combusting. Don't send help.

[chaosinstigator]

are we surprised they’re not following the optimal strategy tho… are we

[relaxedstyles]

[champagneshoey]

[z-moves]

Card sleeve artwork featuring Wigglytuff, Chansey, and Clefable

Art by Tomokazu Komiya (Twitter/X: asiru3dozen)