Best Rupay Credit Cards in India 2023
Coined from the word Rupee and Payment, Rupay is India’s answer to American Payment networks Visa and Master. As the transaction fee for processing transactions by the foreign payment networks is high, RBI entrusted NPCI (National Payment Corporation of India) to develop a payment network to process digital payments. Since their launch, Rupay has made tremendous inroads into the Indian Payment market with over 60% of total cards issued in the country. Rupay Cards are issued by more than 700 banks in India and over 300 million cards have been issued till date.
Key Takeaways ✦
The other advantage with RuPay cards is that you can link your accounts with UPI and begin making transactions conveniently. You will also receive enhanced security in the form of embedded EMV chip offering complete protection to high-value transactions. Rupay cards carry an inbuilt microprocessor circuit that carries information about the card owner. Following is the list of popular Credit Cards offered by RuPay.
IRCTC HDFC Bank Credit Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- 5 Reward Point for every Rs. 100 spent on IRCTC ticketing website and Rail Connect App
- 1 Reward Point for every Rs.100 spent on all other spends
- 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- 8 complimentary access to select IRCTC Executive Lounges (2 per quarter)
- 1% Waiver on transaction done on IRCTC site and rail connect app
- Gift voucher worth Rs. 500 on first purchase within 37 days of card issuance
- It allows you to save upto Rs. 13500 per year.
PNB Rupay Select Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- No Annual fee on spends every quarter
- 300+ Reward Points on First usage
- 2X Rewards on retail merchandise
- Complimentary International & Domestic lounge access
- Cashback in utility bills, dineouts, and restaurants
- 24/7 Concierge services
PNB Rupay Platinum Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- No Annual fee on spends every quarter
- 300+ Reward Points on First usage
- Complimentary International & Domestic lounge access
- Cashback in utility bills, dineouts, and restaurants
- 24/7 Concierge services
- Complimentary insurance service
Union Bank Rupay Select Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- Complete protection against counterfeiting and skimming
- 1% waiver on Fuel Surcharge
- Accidental insurance cover upto Rs. 10 lakhs
- Wide acceptance, will be accepted at over 40 million merchants
- No joining fee, first year renewal fee of Rs. 500 can be withdrawn on annual spends of Rs. 50000 and above
IRCTC SBI Platinum Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance
- 1% transaction charges on railway ticket bookings
- 4 complimentary railway lounge access in a year
- 1% fuel surcharge waiver
- 10% value back as reward points for IRCTC for AC1, AC2, AC3 and AC CC
- Avail Accommodation at over 5000 hotels
IDBI Winnings Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- Stay ahead always with Winnings Credit Card
- 2 Delight Points for every Rs. 100 spent on your card
- Waiver of 1% surcharge
- Cover of 10 lakhs in the event of loss of life in an accident
- 2 complimentary visits to airport lounges within India and 2 outside India
- Interest Fee credit of up to 48 days
Shaurya SBI Credit Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- 1000 Reward Points as welcome gift
- 5X Reward Points on CSD, Dining, Movies, and Departmental Stores
- 1% Fuel Surcharge waiver
- Avail Personal Accidental Insurance Cover of Rs. 2 Lakhs
- Waiver of Renewal fee of Rs. 250 on annual spends of over Rs. 50000
Shaurya Select SBI Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- 10 Reward Points per Rs. 100 spent on Dining, Movies, Departmental Stores & Grocery and 2 reward points per Rs. 100 for other spends
- Milestone rewards – Rs. 500 Pizza hut e-voucher, vouchers worth Rs. 7000 on Yatra or Pantaloons
- 24×7 concierge services – assistance in gift delivery, flower delivery, restaurant referrel, courier service
- Complimentary Personal Accident Insurance of Rs. 10 lakhs
- 1500 reward points on Payment of renewal fee
BPCL SBI Card Rupay Platinum
Fee
Joining Fee - Nil
Annual Fee – Nil
- Joining and Annual Fee of Rs. 499
- Renewal Fee reversible if annual spends for last year is greater than or equal to Rs. 50,000.
- 2000 Activation Bonus reward points worth 500 on payment of joining fee
- 13x reward points for fuel purchases at BPCL outlets, 5x rewards on every Rs. 100 spent at groceries, departmental stores, and dining, 1 Reward Point for every Rs. 100 spent for other purchase
- 1% Fuel waiver on every fuel transaction upto Rs. 4000
ICICI Coral Rupay Credit Card
Fee
Joining Fee - Nil
Annual Fee – Nil
- Claim savings upto Rs 11,150 every year
- 25% discount on movie tickets with BookMyShow and Inox
- Earn 2 reward points on every Rs. 100 spent except fuel
- Earn 1 reward point for every Rs. 100 spent on utilities and insurance
- 1 complimentary access to select domestic lounge per quarter
- One complimentary domestic railway lounge visit
- Personal Accident cover of upto Rs. 2 lakhs
- Exclusive dining treats through ICICI Bank Culinary treats programme