Best RuPay credit cards in India
RuPay is currently the only card network that can be linked to UPI for QR and app-based payments. These are the highest-reward-rate RuPay cards in our catalog, from major banks and smaller regional issuers alike.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
Central Bank of India
Central Bank of India RuPay Select Credit Card
3% base reward · ₹500 annual fee
Why it's ranked here: Domestic lounge access included
Kotak Mahindra Bank
Kotak UPI RuPay Credit Card
3% base reward · ₹0 annual fee
Why it's ranked here: No joining or annual fee, ever
SBM Bank India
SBM Kredit.Pe RuPay Credit Card
3% base reward · ₹199 annual fee
Why it's ranked here: Low minimum FD to get started
Bandhan Bank
Bandhan Bank Lumina Credit Card
2% base reward · ₹9,999 annual fee
Why it's ranked here: Unlimited international lounge access plus 8 domestic visits/quarter
Dhanlaxmi Bank
Dhan Vriddhi Credit Card
2% base reward · ₹400 annual fee
Why it's ranked here: No joining fee, low ₹400 annual fee
Dhanlaxmi Bank
Dhan Samriddhi Credit Card
2% base reward · ₹800 annual fee
Why it's ranked here: Quarterly domestic + half-yearly international lounge access
AU Business Cashback RuPay Credit Card
RuPay
AU Small Finance Bank
AU Business Cashback RuPay Credit Card
2% base reward · ₹99 annual fee
Why it's ranked here: Flat 2% cashback on business spends with no complicated category table
Unity Bank BharatPe RuPay Credit Card
RuPay
Unity Small Finance Bank (BharatPe)
Unity Bank BharatPe RuPay Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Zero joining fee, zero annual fee, zero processing fee and zero foreclosure charges — no fee scenario the fine print can spring on you
Bank of India Celestia Credit Card
RuPay
Bank of India
Bank of India Celestia Credit Card
2% base reward · ₹5,000 annual fee
Why it's ranked here: 5x rewards on dining, travel and fuel
Axis Bank
Axis ACE
1.5% base reward · ₹499 annual fee
Why it's ranked here: 5% cashback on utility/bill payments, DTH and mobile recharges via Google Pay, uncommon for a card this cheap
HDFC Bank
Tata Neu Infinity HDFC Bank Card
1.5% base reward · ₹1,499 annual fee
Why it's ranked here: Up to 5% NeuCoin cashback across a wide Tata retail ecosystem spanning groceries, electronics, pharmacy, fashion and travel
Freo Plus Credit Card
RuPay
SBM Bank India (Freo)
Freo Plus Credit Card
1.5% base reward · ₹199 annual fee
Why it's ranked here: Meaningfully higher cashback than Freo Pay on shopping and utility bills