RuPay Credit Card

1. RuPay Classic Credit Card

• RuPay Classic, a credit card renowned for its unique merchant offers and special deals, exemplifies the essence of the RuPay payment network.
• This network enables banks and credit card providers to distribute debit or credit cards. RuPay is a domestic card forged within India that boasts of its indigenous payment gateway.

2. RuPay Platinum Credit Card

• The RuPay Platinum Credit Card is crafted to elevate everyday experiences for its users.
• Through collaborations with numerous merchants spanning various categories, it guarantees that cardholders relish unparalleled privileges with every transaction.
• With the RuPay Platinum Credit Card, the possibilities are limitless, offering the cardholders a world of opportunities at their fingertips.

3. RuPay Select Credit Card

• The RuPay Select Credit Card stands out as a deluxe option, providing privileged lifestyle perks.
• As part of the NPCI program, cardholders can access an array of exclusive offers showcased on the NPCI website, enhancing their overall experience and enriching their lifestyle.

4. RuPay MSME Credit Card

• The Ministry of Micro, Small, and Medium Enterprises (MSME), in collaboration with the National Payment Corporation of India (NPCI), introduced the MSME RuPay Credit Card nationwide on a pilot basis for Udyam registered MSMEs.
• This card, designed specifically for MSMEs, facilitates various business-related transactions, including digital payments, utility bill settlements, and tax payments, providing MSMEs with a convenient means to manage these expenses.

Card Name

Suitability

Limit of Salary/Income

Card Renewal Fee

Major Features and Benefits

IRCTC SBI RuPay Card

Train transportation

Salaried/ Self Employed

₹300 + GST

Offers four free railway lounge visits annually

SBI SimplySAVE Card

Every day expenditures and shopping

Salaried/ Self Employed

₹499

Making purchases totaling ₹2,000 or more within the initial 60 days earns 2,000 bonus Reward Points

Shoppers Stop Black HDFC Rupay Credit Card

Shopping

For employed individuals, the monthly income threshold is above ₹2,00,000, while for those who are self-employed, it stands at over ₹8 lakhs annually

₹4,500 + GST

Offers a free FC Black membership valued at ₹4,500, along with earning 20 points for every ₹150 spent on Shoppers Stop Private Label brands

Indian Oil HDFC Rupay Card

Fuel Purchases

The income requirement for salaried individuals is above ₹10,000 per month, while for self-employed individuals, it's over ₹6 lakhs annually.

₹500 + GST

This card allows you to potentially receive up to 50 kiloliters of complimentary fuel each year, and 5% of your fuel expenses at IndianOil stations earn you 250 fuel points monthly

Tata Neu Infinity HDFC Bank Rupay Credit Card

Shopping

The minimum income requirement is ₹1,00,000 per month for salaried individuals and over ₹12 lakhs annually for self-employed individuals

₹1,499 + GST

Offers 5% cashback in Neucoins (reward points) for non-EMI purchases on Tata brands, and 1.5% cash back as Neucoins for non-Tata brands

HDFC Rupay Freedom Credit Card

Cash Refunds and Incentives

The minimum income requirement is above ₹12,000 per month for salaried individuals and over ₹6 lakhs annually for self-employed individuals

₹500 + GST

Offers 10X cash points at designated merchants and 5X cash points for purchases made on EMI at merchant outlets

HDFC MoneyBack Rupay Credit Card

Cash Refunds and Incentives

The monthly income requirement for salaried individuals is above ₹25,000, while for self-employed individuals, it's over ₹6 lakhs annually

₹500 + GST

Provides immediate cashback on purchases exceeding ₹150

IRCTC HDFC Bank Rupay Credit Card

Train transportation

The minimum income requirement for salaried individuals is above ₹25,000 per month, while for self-employed individuals, it's over ₹6 lakhs annually

₹500 + GST

Enables cardholders to accumulate savings of up to ₹13,500 annually via reward points and cashback

HDFC Bank UPI RuPay Credit Card

Payments through UPI platforms

N/A

₹99 + GST

Allows for seamless payments by linking it to UPI platforms

Axis Bank Indian Oil RuPay Credit Card

Fuel Purchases

Employees who earn at least ₹20,000 per month

₹500 + GST

Receives a 4% cashback on fuel purchases at IndianOil outlets and a full 100% cashback, up to ₹250, on all fuel transactions within the first 30 days of card activation

ICICI Coral RuPay Credit Card

Cash Refunds and Incentives

Income eligibility is disclosed during sourcing

₹500 + GST

Offers 10,000 annual reward points and 2 points for every ₹100 spent (excluding fuel)

ICICI Rubyx Credit Card

Travel and Shopping

₹50,000 for salaried, ₹75,000 for self-employed

₹2000 + GST

Offers shopping and travel vouchers worth over ₹5,000 upon joining

ICICI Bank HPCL Super Saver Credit Card

Fuel Purchases

Income requirements disclosed during the application

₹500 + GST

Offers 4% cashback on HPCL fuel purchases and attractive additional perks

Kotak Bank League Platinum Credit Card

Incentives and Shopping

₹5 lakh p.a.

₹499 + GST

Allows users to earn 8 reward points for every ₹150 spent

Kotak Bank Mojo Platinum Credit Card

Online-based Purchases

₹4 lakh p.a.

Renewal fee waived upon spending ₹1 lakh in the previous year

Offers 2.5 Mojo points for every ₹100 spent online

IDFC HPCL First Power Plus Credit Card

Fuel Purchases

Yearly income exceeding ₹3 lakh.

₹499 + GST

The cardholder can receive a cashback of up to ₹500 on an initial HPCL fuel purchase of over ₹500.

IDFC HPCL First Power Credit Card

Fuel Purchases

Yearly income exceeding ₹3 lakh.

₹199 + GST

Offers up to 5% off on fuel purchases.