Best RuPay Credit Cards in India 2026

RuPay cards can be linked to UPI for credit-card payments on QR scans — compared on real earn rates. We compared 133 cards — 50 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is CheQ AU Credit Card.

Top 20 RuPay Credit Cards Ranked

#	Card	Annual Fee	Base Earn	Standout
1	CheQ AU Credit CardAU Small Finance Bank	Free (LTF)	5.0%	Lifetime free
2	Unity Bank BharatPe Credit CardUnity Small Finance Bank	Free (LTF)	2.0%	Lifetime free
3	Tata Neu Infinity HDFC Bank Credit CardHDFC Bank	₹1,499	1.5%	₹1,499/yr fee
4	Tata Neu Infinity SBI Credit CardSBI Card	₹1,499	1.5%	₹1,499/yr fee
5	Instant RuPay BOBCARDBank of Baroda	Free (LTF)	1.3%	Lifetime free
6	Utkarsh Eternal Credit CardUtkarsh Small Finance Bank	₹1,999	1.3%	₹1,999/yr fee
7	Utkarsh Rhodium Credit CardUtkarsh Small Finance Bank	₹4,999	1.3%	₹4,999/yr fee
8	HDFC Bank UPI RuPay Credit CardHDFC Bank	₹99	1.0%	₹99/yr fee
9	Tata Neu Plus HDFC Bank Credit CardHDFC Bank	₹499	1.0%	₹499/yr fee
10	HDFC PIXEL Play Credit CardHDFC Bank	Free (LTF)	1.0%	Lifetime free
11	SBI Card Miles EliteSBI Card	₹4,999	1.0%	₹4,999/yr fee
12	SBI Card MILES PRIMESBI Card	₹2,999	1.0%	₹2,999/yr fee
13	Tata Neu Plus SBI Credit CardSBI Card	₹499	1.0%	₹499/yr fee
14	Paytm SBI CardSBI Card	₹499	1.0%	₹499/yr fee
15	Paytm SBI Card SELECTSBI Card	₹1,499	1.0%	₹1,499/yr fee
16	IndianOil Axis Bank Credit CardAxis Bank	₹500	1.0%	₹500/yr fee
17	Google Pay Flex Axis Bank Credit CardAxis Bank	Free (LTF)	1.0%	Lifetime free
18	IndianOil Easy Axis Bank Credit CardAxis Bank	Free (LTF)	1.0%	Lifetime free
19	Fibe Axis Bank Credit CardAxis Bank	Free (LTF)	1.0%	Lifetime free
20	AU Vetta Credit CardAU Small Finance Bank	₹2,999	1.0%	₹2,999/yr fee

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

More RuPay Credit Cards Worth a Look

AU Spont Credit Card IndusInd Samman Credit Card CRED IndusInd Bank RuPay Credit Card PNB RuPay Metal LUXURA Credit Card Union NEXTERIA Credit Card Union UNICORN RuPay Credit Card Union RuPay Select Credit Card Indian Bank RuPay Platinum Credit Card Indian Bank RuPay Select Credit Card OneCard Metal Credit Card slice UPI Credit Card Uni GoldX Credit Card Jupiter Edge+ CSB Bank RuPay Credit Card IDBI Bank LIC CSL Eclat Select Credit Card Utkarsh SmartGen Credit Card Utkarsh superCard (FD-backed)AU Zenith Credit Card IDBI Bank LIC CSL Lumine Platinum Credit Card IndusInd Platinum RuPay Credit Card SBI Card MILES ICICI Bank Coral Credit Card ICICI Bank Sapphiro Credit Card Paytm AU Credit Card IRCTC RBL Bank Credit Card IndianOil RBL Bank XTRA Credit Card Klick Credit Card IndusInd Jio-bp Mobility+ Credit Card Canara Rupay Classic Credit Card Canara Rupay Platinum Credit Card Canara Rupay Platinum Secured Credit Card

Compare Any Two Cards

Head-to-head net value on your exact monthly spend.

Credit Card EMI Calculator

What converting a purchase to EMI really costs.

Balance Transfer Calculator

Savings from moving card debt to a cheaper lender.

Browse Other Card Categories

Best Cashback Cards Best Lifetime Free (LTF) Cards Best Lounge Access Cards Best Travel Cards Best Low / Zero Forex Cards Best Premium Cards Best For Beginners Cards Best Axis Bank Cards Best SBI Cards Best Bank of Baroda Cards Best AU Small Finance Bank Cards Best Yes Bank Cards All Credit Cards →