Due to the Indian government’s Swadeshi initiative, RuPay credit cards have grown rapidly in India, especially since the integration of UPI (Unified Payments Interface). While most banks, both public and private, were previously limited to Visa or Mastercard Networks when applying for a Credit card. RuPay has Now emerged as a Domestic, affordable Option.
As we look ahead to 2025, the Country Largest Banks, including HDFC bank, SBI bank, Axis, ICICI, and Bank of Baroda, both Public and private, have introduced RuPay variants of their most popular credit cards.
All RuPay credit cards seamlessly integrate with UPI apps on users’ mobile phones, such as PhonePe, Google Pay, and Navi UPI.
Once your RuPay credit card is integrated with these apps, you can easily use it to Make UPI payments for your daily expenses. RuPay credit cards also allow you to Earn Cashback and rewards.
If you are looking for a New Credit card that is Cost effective good for UPI payments and offers more Rewarding Discounts then this article will help you choose the best RuPay Credit card in India in 2025 Based on your Spending habits and Daily Lifestyle.
Also Read: Best Credit Cards in India 2025
TOP 5 Best RuPay Credit Cards in India 2025
| Credit Card | Key Benefits | Best For |
|---|---|---|
| Axis Bank SuperMoney RuPay Credit Card | Lifetime-free card; 3 % cashback on UPI & QR spends; 1 % on other transactions. | Users who make daily UPI payments or scan & pay often. |
| Tata Neu Infinity HDFC Bank RuPay Credit Card | Earn up to 5 % NeuCoins on Tata brands (Tata Neu app, BigBasket, Croma etc.); 1.5 % on UPI payments. | Frequent online shoppers and Tata brand users. |
| Kiwi RuPay Credit Card | 100 % digital (card via Kiwi app); lifetime free; 1–5 % cashback on UPI transactions. | Digital-savvy users who prefer UPI spending over swipes. |
| IndusInd Bank Platinum RuPay Credit Card | Lifetime-free; ~0.7 % reward on UPI spends; fuel surcharge waiver. | Beginners or low-spend card users. |
| HDFC Bank UPI RuPay Credit Card | 3 % rewards on UPI, grocery & supermarket spends; 1 % on other transactions; annual fee ₹99 (waived on spend criteria). | Daily-use spenders who shop or pay bills via UPI. |
Why Choose A RuPay Credit Card?
The RuPay Network, developed by NPCI (National Payments Corporation of India), is India’s domestic card network. It offers significant advantages over non-Indian networks like Visa and Mastercard.
The RuPay Network built in India Ensures low Transaction Costs and Secure User data.
UPI Integration: Make Payments Directly with your RuPay credit card through any UPI App such As PhonePe, Paytm, and Google Pay.
High Security: Advanced Encryption and Two Factor Authentication Process.
Cashback & Rewards Point: UPI offers Attractive Cashback and Rewards on Most Everyday Transactions.
Wide Rage Acceptance: These Cards work well at ATM, PoS Machine and E-commerce Sites Like Amazon and Flipkart.
Affordable Annual Fee: RuPay Credit Cards are Significantly Cheaper Than Visa and Mastercard Variants.
This Makes RuPay credit cards ideal for Digital India users who Prefer Cashless, Contactless and Secure Transactions.
Also Read: BOBCARD All New Cashback Credit Card
How to Apply for a RuPay Credit Card
Applying for a RuPay credit card at a Bank is Quite Easy. You can create one online from the Comfort of your home in just a Few simple steps:
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Visit the official Website of your Preferred Bank like (HDFC Bank, SBI Bank, Axis, ICICI, or BOB).
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Go to the bank Credit Card Application Section and Select the RuPay Credit Card Option
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Fill in your Basic Profile information, Such as Your Name, income type, and Select Employment (Salary) or Self-Employed.
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Upload your KYC Documents (Aadhaar, PAN, and Income Proof).
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Submit the application on The bank’s Website and Complete your Digital Verification.
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Once Your RuPay credit Card is Approved by the Bank, your card will be Delivered to your Home or office within a 5 to 7 days.
Note: When applying for a RuPay credit card at a bank, always select the RuPay network option. Almost all banks also issue cards on the Visa or Mastercard Networks.
important Tips Before Applying for a RuPay Credit Card
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Compare the Card Annual Fee, Membership Fee and Reward Points.
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Spend Within Your Credit Limit to Avoid High Interest Rates.
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Pay Your Credit Card Bill on Time to Time and Maintain a Good Cibil Score.
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Use Your Credit Card Reward Points Before The Expire.
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Credit is Free for 45 Day, Use Your Card as Much as Possible for UPI Transactions to Earn Cashback.
If you also use a RuPay credit card, these small steps will ensure you maximize your benefits and improve your credit limit and CIBIL score over time.
Conclusion
If your Looking for a Credit Card that Supports UPI Payments and offers Maximum Cashback in 2025 the RuPay Credit Card Could be the Best Option.
Whether your a Student a Salaried individual, or a Frequent Traveler, There are RuPay Credit Cards to Suit Your Needs. Of these, the Axis Bank SuperMoney RuPay credit card and the Tata Neu Infinity HDFC RuPay Credit card are the best options, offering rewards, cashback, and UPI convenience.
As the Country Embraces Digital Payments, the RuPay credit card is Leading the way, Becoming the Credit Card Leader in India. It offers Secure, affordable, and Profitable Financial Services to Every User.
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