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 14 September 2026 · No bank pays us to rank higher.
Union Bank of India RuPay Select Credit Card
RuPay
Union Bank of India
Union Bank of India RuPay Select Credit Card
4% base reward · ₹499 annual fee
Why it's ranked here: No joining fee
#2Central Bank of India RuPay Select Credit Card
RuPay
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
#3Kotak UPI RuPay Credit Card
RuPay
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
#4
Axis Bank
Axis ACE
2% base reward · ₹499 annual fee
Why it's ranked here: High cashback on utility/bill payments via Google Pay
#5Canara Bank RuPay Select Credit Card
RuPay
Canara Bank
Canara Bank RuPay Select Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No joining or annual fee for life
#6
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
#7
Dhanlaxmi Bank
Dhan Vriddhi Credit Card
2% base reward · ₹400 annual fee
Why it's ranked here: No joining fee, low ₹400 annual fee
#8
Dhanlaxmi Bank
Dhan Samriddhi Credit Card
2% base reward · ₹800 annual fee
Why it's ranked here: Quarterly domestic + half-yearly international lounge access
#9Canara Bank RuPay Platinum Credit Card
RuPay
Canara Bank
Canara Bank RuPay Platinum Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No joining or annual fee
#10HDFC Bank
Tata Neu Infinity HDFC Bank Card
1.5% base reward · ₹1,499 annual fee
Why it's ranked here: High rewards across the wide Tata retail ecosystem
#11HDFC Bank
Tata Neu Plus HDFC Bank Card
1.5% base reward · ₹499 annual fee
Why it's ranked here: NeuCoins redeemable 1:1 across the Tata ecosystem
#12ESAF Small Finance Bank INORI RuPay Platinum Credit Card
RuPay
ESAF Small Finance Bank
ESAF Small Finance Bank INORI RuPay Platinum Credit Card
1.25% base reward · ₹0 annual fee
Why it's ranked here: Zero joining and annual fee