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 212 credit cards (including 86 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
AI Inside RuPay Credit Card
Lifetime free
AI Inside RuPay Credit Card
Annual Fee
Free
Headline Rate
3% on other
SBM Kredit.Pe Credit Card
Annual Fee
Free
Headline Rate
3% cashback
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
Unity Bank BharatPe Credit Card
Annual Fee
Free
Headline Rate
2% cashback
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,499
Headline Rate
1.5% on groceries
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
Instant RuPay BOBCARD
Annual Fee
Free
Headline Rate
5 pts/₹100
CUB SalarySe Level Up Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
Utkarsh Eternal Credit Card
Annual Fee
₹1,999
Headline Rate
1.25% cashback
Utkarsh Rhodium Credit Card
Annual Fee
₹4,999
Headline Rate
1.25% cashback
ESAF Bank INORI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.25% cashback
Tata Neu Plus HDFC Bank Credit Card
Annual Fee
₹499
Headline Rate
2x on other
HDFC PIXEL Play Credit Card
Annual Fee
Free
Headline Rate
5% on other
HDFC Bank Pixel Go Credit Card
Annual Fee
₹250
Headline Rate
1% on online
SBI Card Miles Elite
Annual Fee
₹4,999
Headline Rate
3x on travel
SBI Card MILES PRIME
Annual Fee
₹2,999
Headline Rate
2x on travel
Air India SBI Signature Card
Annual Fee
₹4,999
Headline Rate
10x on travel
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
PhonePe SBI Card SELECT BLACK
Annual Fee
₹1,499
Headline Rate
5x on online
PhonePe SBI Card PURPLE
Annual Fee
₹499
Headline Rate
2x on online
Eternal SBI Card
Annual Fee
₹499
Headline Rate
1% on dining
MakeMyTrip ICICI Bank Credit Card
Annual Fee
₹999
Headline Rate
1x on travel
IndianOil Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
4x on fuel
Google Pay Flex Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% cashback
IndianOil Easy Axis Bank Credit Card
Annual Fee
Free
Headline Rate
4x on fuel
Fibe Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% on other
Axis Bank Supermoney RuPay Credit Card
Annual Fee
Free
Headline Rate
1% cashback
AU Vetta Credit Card
Annual Fee
₹2,999
Headline Rate
4x on other
AU Spont Credit Card
Annual Fee
₹299
Headline Rate
1% on other
IDFC FIRST Quantum+ Credit Card
Annual Fee
Free
Headline Rate
2% on online
IDFC FIRST Hello Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
5% on online
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
UNI Rupay Credit Card
Annual Fee
Free
Headline Rate
1% on other
Federal Scapia Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Federal Bank Paisabazaar Paisaback Credit Card
Annual Fee
₹500
Headline Rate
7.5% on groceries
IndusInd Samman Credit Card
Annual Fee
₹199
Headline Rate
1% on other
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
Union NEXTERIA Credit Card
Annual Fee
₹12,499
Headline Rate
4 pts/₹100
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
Union RuPay Select Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Union Sparsh Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Indian Bank RuPay Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
Indian Bank RuPay Select Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
Indian Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
OneCard Metal Credit Card
Annual Fee
Free
Headline Rate
1x on other
slice UPI Credit Card
Annual Fee
Free
Headline Rate
1% cashback
Uni GoldX Credit Card
Annual Fee
Free
Headline Rate
1x on travel
DCB PayLess Select Credit Card
Annual Fee
₹1,000
Headline Rate
1% cashback
IDBI Bank LIC CSL Eclat Select Credit Card
Annual Fee
Free
Headline Rate
4 pts/₹100
Utkarsh SmartGen Credit Card
Annual Fee
₹199
Headline Rate
1% cashback
Utkarsh superCard (FD-backed)
Annual Fee
Free
Headline Rate
2% on flipkart
MobiKwik First Suryoday SFB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1% cashback
SBM MobiKwik First Credit Card
Annual Fee
Free
Headline Rate
1% cashback
PNB-Zaggle Co-Branded Twin Credit Card
Annual Fee
₹499
Headline Rate
3.33 pts/₹100
IRCTC SBI Platinum Card
Annual Fee
₹500
Headline Rate
4x on travel
BOBCARD Swavlamban
Annual Fee
₹250
Headline Rate
4 pts/₹100
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
IndiGo IDFC FIRST Dual Credit Card
Annual Fee
₹4,999
Headline Rate
3x on travel
IDBI Bank LIC CSL Lumine Platinum Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
IndusInd Platinum RuPay Credit Card
Annual Fee
Free
Headline Rate
2x on other
SBI Card PULSE
Annual Fee
₹1,499
Headline Rate
10x on dining
SBI Card MILES
Annual Fee
₹1,499
Headline Rate
1x on travel
Air India SBI Platinum Card
Annual Fee
₹1,499
Headline Rate
5x on travel
Reliance SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on online
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
5x on dining
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
Paytm AU Credit Card
Annual Fee
Free
Headline Rate
1x on other
IDFC FIRST EA₹N Credit Card
Annual Fee
₹499
Headline Rate
1% on other
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2.5x on travel
IndianOil RBL Bank XTRA Credit Card
Annual Fee
₹1,500
Headline Rate
8.5x on fuel
TVS Credit RBL Bank Gold Credit Card
Annual Fee
₹1,500
Headline Rate
2 pts/₹100
Klick Credit Card
Annual Fee
Free
Headline Rate
2x on other
Federal RuPay Wave Credit Card
Annual Fee
₹199
Headline Rate
0.5 pts/₹100
IndusInd Jio-bp Mobility+ Credit Card
Annual Fee
Free
Headline Rate
12x on fuel
PNB KIWI Co-Branded Credit Card
Annual Fee
₹750
Headline Rate
1.5% on other
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara RuPay Corporate Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Union DIVAA ICON Credit Card
Annual Fee
₹1,499
Headline Rate
2 pts/₹100
Union UNI-CARBON Credit Card
Annual Fee
₹550
Headline Rate
16x on fuel
Union RuPay Platinum Credit Card
Annual Fee
₹350
Headline Rate
2 pts/₹100
Union JCB Wellness Credit Card
Annual Fee
₹999
Headline Rate
4x on dining
Union JCB Health Credit Card
Annual Fee
₹499
Headline Rate
2 pts/₹100
BOI RuPay Select Credit Card
Annual Fee
₹800
Headline Rate
2 pts/₹100
BOI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOI SwaDhan RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Bank of Maharashtra SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
Bank of Maharashtra SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
DCB PayLess Platinum Credit Card
Annual Fee
₹350
Headline Rate
0.5% cashback
IDBI Bank Winnings Credit Card
Annual Fee
₹899
Headline Rate
2 pts/₹100
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
Axis Bank MY Zone Easy Credit Card
Annual Fee
Free
Headline Rate
10x on dining
Federal One Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on other
IndusInd EazyDiner Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
Titan SBI Card
Annual Fee
₹2,999
Headline Rate
7.5x on other
CUB CSK RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
CUB SRH RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
PNB RuPay Select Credit Card
Annual Fee
Free
Headline Rate
2.67x on other
PNB Rakshak RuPay Select Credit Card
Annual Fee
Free
Headline Rate
2.67x on other
PNB Patanjali RuPay Select Credit Card
Annual Fee
Free
Headline Rate
2x on other
PNB SALARY RuPay Select Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
Kotak UPI RuPay Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
Kotak League Platinum Credit Card
Annual Fee
₹499
Headline Rate
5.33x on travel
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3x on groceries
IRCTC HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on travel
PhonePe HDFC Bank Uno Credit Card
Annual Fee
₹499
Headline Rate
2x on online
PhonePe HDFC Bank Ultimo Credit Card
Annual Fee
₹999
Headline Rate
10x on online
HDFC Bank PIXEL Times Credit Card (Move Variant)
Annual Fee
₹500
Headline Rate
5x on other
HDFC Bank PIXEL Times Credit Card (Rush Variant)
Annual Fee
₹1,000
Headline Rate
10x on other
BPCL SBI Card
Annual Fee
₹499
Headline Rate
13x on fuel
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
5x on dining
Doctor's SBI Card
Annual Fee
₹1,499
Headline Rate
5x on travel
SBI Card Unnati
Annual Fee
₹499
Headline Rate
1 pts/₹100
Doctor's SBI Card (in association with IMA)
Annual Fee
₹1,499
Headline Rate
5x on travel
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
AU Kosmo Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
RBL ShopRite Credit Card
Annual Fee
₹500
Headline Rate
20x on groceries
IndianOil RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
6x on fuel
RBL Bank Patanjali Vishisht Credit Card
Annual Fee
₹499
Headline Rate
10x on groceries
RBL Bank Patanjali Swarn Credit Card
Annual Fee
₹1,499
Headline Rate
10x on groceries
TVS Credit RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2x on online
BOBCARD Pragati
Annual Fee
₹250
Headline Rate
5x on other
PNB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB RuPay Millennial Credit Card
Annual Fee
₹999
Headline Rate
1 pts/₹100
PNB Rakshak RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Patanjali RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
PNB BLISS Credit Card
Annual Fee
₹510
Headline Rate
1 pts/₹100
PNB SALARY RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB EMT RuPay Platinum Credit Card
Annual Fee
₹2,000
Headline Rate
1 pts/₹100
Union Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
BOI RuPay Star Lakshmi Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
BOI RuPay Bharat Credit Card
Annual Fee
₹400
Headline Rate
1 pts/₹100
IOB RuPay Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
IOB RuPay Select Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Bank of Maharashtra SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
10x on dining
J&K Bank Platinum Privilege Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
J&K Bank Platinum Credit Card
Annual Fee
₹500
Headline Rate
2x on online
Utkarsh Wish Credit Card
Annual Fee
Free
Headline Rate
3x on utilities
BOBCARD Ujjivan SFB Elite Credit Card
Annual Fee
Free
Headline Rate
2.5x on dining
Equitas Selfe Credit Card
Annual Fee
₹1,000
Headline Rate
3.5x on dining
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
0.8x on travel
Axis Bank Neo Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Kwik Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
RBL Bank SalarySe UP Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
PM SVANidhi BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
BOBCARD Ujjivan SFB Platinum Credit Card
Annual Fee
Free
Headline Rate
1x on other
IOB RuPay Classic Credit Card
Annual Fee
Free
Headline Rate
0.67 pts/₹100
Karnataka Bank SimplySave SBI Credit Card
Annual Fee
₹499
Headline Rate
6.67x on dining
South Indian Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Apollo SBI Card
Annual Fee
₹499
Headline Rate
3x on other
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on other
IDFC FIRST Power+ Credit Card
Annual Fee
₹499
Headline Rate
5x on fuel
RBL Bank QuickPay Credit Card
Annual Fee
₹99
Headline Rate
0.5 pts/₹100
Equitas Tiga Credit Card
Annual Fee
₹500
Headline Rate
3x on other
Dhanlaxmi Bank Dhan Vriddhi Credit Card
Annual Fee
₹400
Headline Rate
5% on groceries
Dhanlaxmi Bank Dhan Samriddhi Credit Card
Annual Fee
₹800
Headline Rate
5% on groceries
IDFC FIRST Power Credit Card
Annual Fee
₹199
Headline Rate
3.5x on fuel
Reliance SBI Card
Annual Fee
₹499
Headline Rate
10x on online
Kotak811 Dream Different Credit Card
Annual Fee
Free
Headline Rate
0.5 pts/₹100
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
IndiGo SBI Card
Annual Fee
₹1,499
Headline Rate
2x on travel
IndiGo SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
3x on travel
Emirates Skywards ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on other
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
HSBC RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on travel
Jalsa Credit Card
Annual Fee
₹999
Headline Rate
5% on dining
RuPay Credit Card
Annual Fee
Free
Headline Rate
1x on online
YES Bank novio RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on travel
IndiGo Kotak Credit Card
Annual Fee
₹1,500
Headline Rate
1x on travel
IndiGo Kotak Premium Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
Fed StarBiz Credit Card
Annual Fee
₹275
Headline Rate
0 pts/₹100
PNB RRB Co-branded Credit Card
Annual Fee
₹499
Headline Rate
0 pts/₹100
PNB Braille RuPay Select Card
Annual Fee
₹750
Headline Rate
0 pts/₹100
PM SVANIDHI Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank RuPay Classic Credit Card
Annual Fee
₹250
Headline Rate
0 pts/₹100
Indian Bank One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB SalarySe Rise UP RuPay Platinum Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB ZET Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB novio Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB novio Select Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach RuPay Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB WINGS RuPay Credit Card
Annual Fee
₹250
Headline Rate
0 pts/₹100
TMB Phoenix Credit Card
Annual Fee
₹500
Headline Rate
0 pts/₹100
DCB ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB novio Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Unity Roarbank Credit Card
Annual Fee
Free
Headline Rate
0% cashback
SBM ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
SBM novio Credit Card
Annual Fee
Free
Headline Rate
1x on fuel
SBM Magnet Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
SBM Paisabazaar Paisa+ Credit Card
Annual Fee
₹499
Headline Rate
1% on online
Saraswat Bank RuPay Platinum Credit Card
Annual Fee
₹500
Headline Rate
0 pts/₹100
Saraswat Bank Secured RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
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