Top 7 RuPay Credit Cards : RuPay credit cards are becoming the most preferred option for Indian consumers in 2025, with features like affordability, government-aligned benefits and seamless digital transactions. Powered by the National Payments Corporation of India (NPCI), RuPay cards provide secure transactions and UPI integration, making it an ideal choice for a cashless lifestyle.
If you are exploring new credit card options, this guide highlights the best RuPay credit cards of 2025 for you, which will help maximize your rewards, cashback and exclusive privileges.
What are RuPay Credit Cards?
RuPay credit cards are a homegrown financial tool designed by NPCI to meet the diverse needs of Indian users. They ensure secure and smooth transactions and from June 2022, users can make payments without a physical card by linking them with UPI platforms. Today, these cards are widely accepted across the country.
Top RuPay Credit Cards of 2025
1. IndusInd Bank Platinum RuPay Credit Card
Joining Fee: ₹0
Key Features:
2 reward points on UPI transactions of ₹100.
1 reward point on ₹100 of Non-UPI transactions.
7 points on utility, insurance, government and education bills on every ₹100 spent.
Fuel surcharge waiver (up to ₹40/month).
12 complimentary domestic airport lounge access annually.
2. YES Bank Paisabazaar PaisaSave Credit Card
Joining Fee: ₹0
Key Features:
3% cashback on online shopping (maximum 5,000 points/month).
1.5% unlimited cashback on every spend (UPI payments included).
Fuel surcharge waiver up to ₹250/month.
₹1.2 lakh annual spend per annual fee waived.
3. HDFC Bank UPI RuPay Credit Card
Joining Fee: ₹500
Key Features:
3% CashPoints (up to 500 points/month) on PayZapp, groceries, dining and UPI transactions.
₹25,000 annual spends per annual fee waiver.
₹250 welcome bonus gift voucher.
4. Myntra Kotak Credit Card
Joining Fee: ₹500
Key Features:
7.5% off on Myntra purchases (up to ₹750/transaction).
5% cashback on Swiggy, PVR and Urban Company.
₹50,000 spent quarterly on complimentary PVR tickets.
5. HDFC MoneyBack+ Credit Card
Joining Fee: ₹500
Key Features:
10X CashPoints on Flipkart, Amazon and selected merchants.
Gift vouchers of milestone benefits worth up to ₹2,000 annually.
5X CashPoints on EMI transactions at Partner merchants.
6. ICICI HPCL Super Save Credit Card
Joining Fee: ₹500
Key Features:
4% cashback (up to ₹200/month) and 1% fuel surcharge waiver on HPCL spends.
₹35,000 spending per quarterly domestic airport lounge access.
5% cashback on grocery and utility bill payments.
7. IRCTC SBI Platinum Credit Card
Joining Fee: ₹500
Key Features:
10% value-back on AC1, AC2, AC3 and AC Chair Car bookings through IRCTC.
Supplementary railway lounge access (4 times annually).
1% transaction fee waiver on Railway ticket bookings.
6. ICICI HPCL Super Save Credit Card
Joining Fee: ₹500
Key Features:
4% cashback (up to ₹200/month) and 1% fuel surcharge waiver on HPCL spends.
₹35,000 spending per quarterly domestic airport lounge access.
5% cashback on grocery and utility bill payments.
7. IRCTC SBI Platinum Credit Card
Joining Fee: ₹500
Key Features:
10% value-back on AC1, AC2, AC3 and AC Chair Car bookings through IRCTC.
Supplementary railway lounge access (4 times annually).
1% transaction fee waiver on Railway ticket bookings.
Other Options That Enhance Benefits
AU Ixigo Credit Card (₹999): Get 10% off on bus, flight and hotel bookings through Ixigo.
Tata Neu Infinity HDFC Credit Card (₹1499): Earn NeuCoins on Tata partner brands and enjoy international lounge access.
How to Choose the Right Card for You?
When selecting a RuPay credit card, analyse your spending habits and financial goals. Whether you prioritise travel perks, cashback or shopping rewards, a card is tailored to your lifestyle. Don’t forget to pay your bills on time so that your credit profile stays healthy and you can maximise the benefits of your card.
Elevate your financial game in 2025 with a RuPay credit card that suits your needs and unlock unmatched rewards!
