RuPay Credit Card

Rupay is an indigenous payment network system in India conceived and launched by the National Payments Corporation of India (NPCI) in 2012. The primary objective behind introducing the Rupay Credit Card was to create a domestic alternative to international payment networks such as Visa and Mastercard, thereby reducing reliance on foreign payment systems.

Currently, RuPay has 3 general types of cards

  • RuPay Credit Card
  • RuPay Debit Card
  • RuPay Prepaid Card

Rupay Credit Cards have played a pivotal role in India's journey towards a cashless economy, empowering millions of individuals with access to secure and convenient electronic payment solutions. These cards are accepted at various points of sale (PoS), ATMs, and e-commerce establishments throughout India. For transactions abroad, these credit cards can be utilised at any PoS, ATM, or e-commerce platform enabled by Discover Financial Service (DFS).

Variants of RuPay Credit Card

RuPay Credit Cards are presently offered in different types:

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.

Benefits of Rupay Credit Cards

  1. RuPay Classic Credit Card

RuPay Classic credit card offers unique benefits, including-

  • Free Lounge Access: The cardholders can enjoy complimentary entry to domestic and international lounges.
  • Rewards Points: The cardholders can earn double bonus rewards on retail and online transactions within 90 days of card issuance.
  • Entertainment Privileges: The cardholders can receive complimentary movie tickets, BOGO offers on movies and other entertainment perks.
  1. RuPay Platinum Credit Card

RuPay Platinum Credit Card offers a range of advantages, including-

  • Extensive Insurance Coverage of up to ₹2 Lakhs: The cardholders can ensure the safety of themselves and their loved ones with Personal Accident Insurance and Permanent Disability Cover up to ₹2 Lakhs.
  • Exclusive Merchant Offers: The cardholders can enjoy exclusive offers from various merchants (both in-store and online) throughout the year with their RuPay Platinum Credit Card.
  • 24/7 Concierge Services: The cardholders can access a wide array of referral services round the clock, ranging from travel assistance to hotel reservations to consultancy services.
  1. RuPay Select Credit Card

RuPay Select Credit Card provides exclusive benefits, including-

  • Spa Services: The cardholders can enjoy a complimentary holistic spa session to pamper themselves.
  • Golf Program: The cardholders can access over 20 premium golf courses in top Indian cities and enjoy a complimentary golf game or lesson annually.
  • OTT Subscription: The cardholders can enjoy a wide range of content, including originals, blockbuster movies, ad-free music, and unlimited video streaming.
  • Insurance Coverage: The cardholders can stay protected with Personal Accident Insurance and Permanent Disability Cover up to ₹10 Lakhs.
  1. RuPay MSME Credit Card

The RuPay MSME Credit Card offers distinctive advantages, such as-

  • Lounge Access: Cardholders can access airport lounges, with domestic lounge access available twice per quarter and international lounge access twice a year.
  • Accident Insurance Coverage: The card provides personal accident insurance coverage of up to ₹10 lakhs.
  • Air Accident Insurance Coverage: Cardholders benefit from flight accident insurance coverage of up to ₹20 lakhs.
  • Baggage Loss Coverage: The card offers insurance coverage of up to ₹20 thousand against baggage loss.

Popular RuPay Credit Cards in India

Here are some of the popular RuPay credit cards available in India-

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.

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