Top RuPay Cards in India
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Indialends, 03 Nov 2025

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Best RuPay Cards in India- IndiaLends

RuPay cards, India's domestic payment network, now allows UPI payments, which is the current hype in the market. RuPay has captured millions' hearts (and wallets) by offering an indigenous and secure alternative. 
This blog is your one-stop guide to know the best RuPay credit cards in India! We'll delve into the top RuPay credit cards, highlighting their unique features and benefits, whether you're a rewards enthusiast, a travel buff, or a digital payment advocate. 
So, buckle up and get ready to maximise your transactions with the power of RuPay UPI Credit Card!

Here are some of the best RuPay credit cards in India for different spending habits and needs:


IRCTC HDFC Bank RuPay Credit Card




Rewards train bookings and may offer lounge access
Get 5X reward points for every ₹100 spent on IRCTC and Rail Connect, maximising your points on train bookings.
Earn 1 reward point for every ₹100 spent on other purchases, allowing you to accumulate points for future redemptions.
Enjoy an additional 5% cashback when you book train tickets through HDFC Bank SmartBuy, stretching your travel budget further.
Pamper yourself with access to select IRCTC Executive Lounges 8 times a year (2 visits per quarter), making your travel experience more comfortable.
Avoid the 1% transaction charge on IRCTC bookings (up to ₹1,000 per month), keeping more money in your pocket.


Axis IOCL RuPay Credit Card




Ideal for frequent drivers, offering fuel surcharge waivers and potential cashback on fuel purchases. 
Enjoy 100% cashback up to ₹250 on all your fuel purchases within the first 30 days of card activation.
Collect a whopping 20 reward points for every ₹100 spent at Indian Oil Corporation (IOC) stations, maximising your savings on fuel.
Earn 5 reward points for every ₹100 spent on online shopping, making every transaction rewarding.
Although earning potential is lower, you'll still get 1 reward point for every ₹100 spent on other categories, ensuring you're always accumulating points (capped at ₹5,000 monthly spend).
Enjoy a 1% waiver on fuel surcharge fees for transactions between ₹200 and ₹5,000.
The annual fee is waived if you spend over ₹50,000 in a year.
Get a 10% instant discount on movie tickets booked through BookMyShow, making entertainment more affordable.
Enjoy up to 15% discount at partner restaurants via EazyDiner, letting you stretch your dining budget further.


Tata Neu Infinity HDFC Bank Credit Card 




Earn rewards on shopping at Tata Neu partner stores and other categories

Get up to 5% cashback as NeuCoins on all your non-EMI purchases made on the Tata Neu app and with partner Tata brands, like Air India and Westside.
Get up to 1.5% cashback as NeuCoins on all your non-EMI purchases and any merchant EMI transactions.
Activate NeuPass within the Tata Neu app and enjoy an additional 5% cashback as NeuCoins on all your transactions within the app or website.
Relax and unwind before your flights with up to 8 complimentary domestic lounge visits per year (2 visits per quarter).
Enjoy the comfort of airport lounges abroad with 4 free international lounge visits per year (1 visit per quarter) when using your RuPay card.


HDFC MoneyBack+ RuPay Credit Card 




Provides cashback on various online and offline categories.

Maximize your rewards with a whopping 10X CashPoints on popular online platforms like Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.
Earn 5X CashPoints on all your EMI transactions at merchant locations, letting you earn even more while spreading out your payments.
Earn 2 CashPoints for every ₹150 spent on other categories, ensuring you accumulate points on your everyday purchases.
Receive a bonus of 500 CashPoints simply by paying the joining and renewal fee, giving you a head start on your rewards journey.
Achieve quarterly spends of ₹50,000 or more and be rewarded with exciting gift vouchers worth ₹500.
Enjoy up to 20% discount on meals at partner restaurants through Swiggy Dineout, letting you savour delicious food while stretching your budget.


ICICI Coral RuPay Credit Card




Earn a generous 2 Reward Points for every ₹100 spent on your card across various categories (excluding fuel).
Earn 1 Reward Point for every ₹100 spent on utilities and insurance payments.
The new ICICI Bank program lets you unlock even more rewards. Spend ₹2,00,000 in a year and earn a bonus of 2,000 Reward Points. Additionally, every subsequent ₹1,00,000 spent earns you 1,000 Reward Points, with a yearly maximum of 10,000 bonus points.
Pamper yourself with one complimentary visit to select airport lounges in India, every quarter.
Enjoy the comfort of railway lounges with one free access per quarter.
Save on your next movie night! Get 25% off (up to ₹100) on a minimum purchase of two tickets, twice a month through BookMyShow and Inox.
Enjoy built-in personal accident insurance coverage up to ₹2 lakh, providing an extra layer of security.


At IndiaLends, you can apply for 100+ credit cards. Check out the list of credit cards available on IndiaLends and apply for yours now. 


FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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