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About RuPay Credit Card

Introduced in 2012 by the National Payments Corporation of India (NPCI), the RuPay credit card is a special type of credit card that uses India’s domestic electronic payment settlement system. The card was conceived to be a domestic alternative to international payment networks such as Visa and MasterCard. Currently, RuPay offers a range of credit cards that are widely accepted at point-of-sale (PoS) machines and e-commerce websites within India and at several overseas locations. To make RuPay cards available to all and enable PIN-based transactions, NPCI has partnered with several major banking institutions in the country. Apply for the best RuPay credit card now!

Top RuPay Credit Cards in India



Best Suited For



*HDFC IndianOil Credit Card


Joining and Renewal: ₹500 + GST

  • Earn upto 50 litres of free fuel every year

  • Earn 5% of your spends as Fuel Points at Indian Oil outlets, on grocery spends, bill payments, etc. 

  • Get complimentary membership of IndianOil XTRAREWARDSTM Program (IXRP)

  • Earn 1% fuel surcharge waiver at all fuel stations across India

  • Get renewal fee waiver on spends of ₹50,000 in the first year

*Bank of Baroda Easy RuPay Credit Card


Joining and Annual Fee: Nil

  • 5x reward points on every ₹100 spent on groceries

  • Get 1% fuel surcharge waiver at all petrol pumps across India

  • Option to convert purchase of above ₹2,500 into EMIs

  • Redeem reward points as cashback and other lucrative options

  • Enjoy up to 50 days of interest-free credit from the date of any shopping with BOB Easy Rupay Credit Card  

*IDBI Winnings RuPay Select Card


  • Joining Fee: Nil
  • Annual Fee: ₹899 + GST
  • 10% cashback on all transactions with a minimum value of ₹500 within 90 days of card issuance

  • 500 Delight Points on 5 transactions of ₹1,000 each per month

  • Enjoy airport lounge access

  • 1% fuel surcharge waiver

  • Get personal accident cover of up to ₹10 lakh

Shaurya SBI RuPay Card


  • Joining Fee: ₹250 + GST
  • Renewal Fee: ₹250 + GST
  • Get 1,000 reward points as welcome gift

  • 5x points on every ₹100 spent on movies, dining, grocery, and departmental stores

  • 1x point on every ₹100 spent on other categories

  • Personal Accidental Insurance Cover of ₹2 lakh

  • 1% surcharge waiver on fuel

*PNB Select Credit Card


  • Joining fees: ₹500 + GST
  • Annual fee: NIL (if card is used once in a quarter)
  • Get 300+ reward points on your first PNB Select Credit Card usage

  • Get guaranteed cashback on payment of utility bills, dining bills, etc.

  • Complimentary domestic and international lounge access

  • 2X rewards points on retail merchandise

  • Comprehensive insurance coverage


Disclaimer: Terms and Conditions apply. *Bank is not a Bajaj Markets’ partner.

Different RuPay Credit Card Offers

RuPay offers various credit card offers. These are as follows: 

1. Offer: Flat 25% off on ₹100 spent through EatClub app.

Validity: September 30, 2022


2. Offer: Up to 10% off on all courses across Vedantu

Validity: December 31, 2022


3. Offer: Enjoy 65% off on purchase of diamond jewellery at Kalyan Jewellers

Validity: December 31, 2022


4. Offer: 15% off on total bill of Wow! Momo

Validity: November 30, 2022


5. Offer: Flat 10% off sitewide on Boat products

Validity: September 30, 2022

Benefits of RuPay Credit Cards

The key benefits of RuPay credit cards are mentioned below:

  • Economical: 

As transactions are processed domestically, the RuPay platform is less expensive in comparison to other payment networks.

  • Consumer-centric

The products and services offered by RuPay are designed to suit the needs of Indian customers.

  • Comprehensive Services

With a RuPay credit card, you can access a wide range of services such as banking transactions, ATM services, e-banking facilities, and many more.

  • Safe Payment

Transaction details and consumer data are not transferred overseas, which makes RuPay more secure and safe to use for Indian customers. In addition, you can make online transactions in a safe manner as RuPay credit cards carry RBI-mandated, two-tier authentication procedures. Moreover, with RuPay, you can get protection against credit card fraud.  

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FAQs on RuPay Credit Card

✔️Is RuPay credit card available for farmers?

Yes, a specific RuPay credit card - the Indian Bank RuPay Kisan Credit Card - is available for farmers. They can use this card to utilise the ATM services and make PoS transactions. 

✔️Does GooglePay accept RuPay credit cards?

Yes, a specific RuPay credit card - the Indian Bank RuPay Kisan Credit Card - is available for farmers. They can use this card to utilise the ATM services and make PoS transactions. 

✔️Does GooglePay accept RuPay credit cards?

No, GooglePay does not accept RuPay cards or Mastercard. Only Visa cards by select banks are supported by GooglePay.

✔️Does Paytm support RuPay credit cards?

Yes, Paytm supports RuPay credit cards.

✔️What are the fees and charges for using a Rupay credit card?

RuPay does not charge joining or annual fees on its cards. Such charges are usually levied by the issuing bank and vary from one bank to another.

✔️Can I use RuPay credit cards for international transactions?

Yes, you can use RuPay credit cards that are Global and have the Discover, Pulse, and Diners’ logos on them for international transactions at merchant locations and ATMs.