Top 3 Best Rupay Credit Cards in India for UPI Spends 2024
As UPI continues to be a preferred payment method for a huge chunk of population in India, having the right Rupay credit card can make a significant difference in terms of rewards. Here, we break down some of the best RuPay credit cards available in India that offer excellent benefits for UPI spends:
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IndusInd RuPay Platinum Credit Card
If you’re looking for a simple, no-fuss RuPay credit card, the IndusInd RuPay Platinum Credit Card is a great lifetime free option. It offers rewards on both UPI and non-UPI transactions, with the flexibility to convert reward points to Club Vistara points.
Key Benefits:
- 2 reward points per Rs 100 on UPI spends.
- 1 reward point per Rs 100 on other spends.
- 1 Reward Point = Rs 0.35
- Points can be converted to Club Vistara at a 1:1 ratio making it an excellent option for frequent Vistara flyers.
HDFC Bank Tata Neu RuPay Credit Card (Infinity)
The Tata Neu RuPay Credit Card (Infinity) is a top choice for those who are loyal to Tata brands like Croma, BigBasket, and Westside. The card offers an impressive reward structure through NeuCoins, making it ideal for users who frequently shop across Tata Group’s ecosystem.
Key Benefits:
- Easy redemption on Tata Neu App
- 10% rewards in NeuCoins on Tata brands.
- 1.5% savings on UPI transactions via the Tata Neu app.
- Complimentary lounge access: 12 (8 domestic, 4 international)
- Yearly fee waiver on reaching specific spend milestones.
Note: Tata Neu Rupay Credit Card is also available in Plus variant which is bit less rewarding than Infinity variant.
IDFC First Power+ Credit Card
This is for those looking for considerable benefits on fuel and other utility payments, the IDFC First Power+ Credit Card is a great option. This card has also been mentioned in our Best Fuel Credit Cards Post.
The IDFC HPCL First Power Plus Credit Card is tailored for those who prefer refueling at HPCL stations. It not only offers good amount of savings on fuel but also provides a variety of other benefits.
Welcome Benefits:
- Receive Rs. 500 cashback on your first HPCL fuel transaction of Rs. 500 or more.
- Get 5% cashback (up to Rs. 1,000) on the transaction value of your first EMI conversion.
- Avail a Rs. 1,000 discount on Zoomcar rentals and up to 50% off on domestic and international car rentals with Eco Rent A Car and Europcar.
Key Benefits:
- Earn 4% rewards on HPCL fuel & LPG purchases up to Rs. 10,000 per month.
- Additional 1.5% savings as Payback Rewards when fueling up to Rs. 5,000 per month through the HP Pay App.
- A 1% fuel surcharge waiver is applicable on fuel expenses up to Rs. 20,000 per month.
- 5% rewards on IDFC FIRST FASTag recharge, capped at Rs. 1,000 per month.
FAQs
What is a RuPay Credit Card?
RuPay credit cards are payment cards based on the RuPay network, India’s very own domestic card payment network, which offers lower processing fees and greater acceptance across India.
How do RuPay Credit Cards benefit UPI users?
RuPay credit cards are integrated with the UPI system, allowing users to make UPI payments directly using their credit cards while earning rewards, which isn’t possible with other credit card networks yet.
Can I use RuPay Credit Cards internationally?
Yes, many RuPay credit cards are now accepted internationally, especially in countries with a partnership with the RuPay network. However, it’s always good to check with your bank before traveling.
Are RuPay Credit Cards widely accepted?
Yes, RuPay cards are widely accepted across India at all merchant outlets that support RuPay payments, which includes most major stores, online platforms, and services.
Is RuPay credit card good?
RuPay credit cards are good for domestic use, offering lower transaction fees and faster processing. However, they have limited international acceptance compared to Visa or Mastercard.
Which card is best RuPay or Visa?
RuPay credit cards are good for domestic use, offering lower transaction fees and faster processing. However, they have limited international acceptance compared to Visa or Mastercard.
