Best Rupay Credit Card for 2024

Created on 05 Aug 2023

Wraps up in 6 Min

Read by 10.6k people

Updated on 10 Feb 2024

Are you tired of paying hefty fees and charges for using your credit card abroad? Do you want to support the local economy and promote the digital payment ecosystem in India? If yes, then you might want to switch to a RuPay credit card. RuPay is India’s own payment network, which is India’s answer to worldwide payment networks like Visa and Mastercard that offer a range of benefits for Indian consumers, such as lower transaction costs, enhanced security, and faster processing. 

Whether you want to save on fuel, shop at your favourite stores, or earn rewards on your spending, there is a RuPay credit card for you.

In this blog post, we will compare the best RuPay credit cards in India and help you choose the one that suits you the most. Read on to find out more.

Best RuPay Credit Cards

1. IndianOil Axis Bank Credit Card

If you are looking for a credit card that offers you benefits on your fuel transactions, you might want to check out the IndianOil Axis Bank Credit Card. This card is powered by RuPay, India’s own payment network that provides secure and convenient payment solutions. With this card, you can enjoy up to 4% value back on your fuel spends at IndianOil outlets, a fuel surcharge waiver, an instant discount on movie tickets, and much more. 

Features

Welcome Bonus

Earn 100% cashback (up to ₹250) on all fuel transactions made within 30 days of card issuance.

Fuel Benefits

Earn 20 reward points on every ₹100 spent on fuel transactions at IOCL fuel outlets in India with the IndianOil Axis Bank Credit Card. 

*Offer valid for transactions between ₹100 and ₹5000 per month, with a maximum eligible spend of ₹5000 per statement month.

Reward Benefits

  • 1% value back on online shopping by earning 5 reward points per ₹100 spent.
  • Earn 1 eDGE reward point on every ₹100 spent through this card.

Entertainment and Dining Benefits

  • Get up to 15% off on dining at the partner restaurants.
  • Get an instant discount of upto 10% on booking movie tickets via BookMyShow.

Fees and Charges

Joining Fees

₹500

Annual Fees

₹500

Annual Percentage Rate (APR)

52.86%

Foreign Currency Markup

3.50%

Eligibility

Applicants must be at least 18 years of age and must have a stable income.

2. Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is a great option for you if you want to earn amazing rewards and save money on your daily expenses. With this card, you can get up to 10% (inclusive of 5% NeuCoins with NeuPass Membership on select categories) back as NeuCoins on Tata Neu and partner brands and 1.5% back as NeuCoins on all other eligible spends. You can also access airport lounges for free, pay no fuel surcharge, use contactless payment, and more.

Features

Welcome Bonus

Get 1499 Neu Coins on the Tata Neu app, applicable on 1st transaction done within 30 days of card issuance.

Fuel Benefits

Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000. 
(Maximum benefit is capped at ₹500 per statement cycle)

Lounge Benefit

  • Get 8 complimentary domestic lounge access per calendar year (2 in a quarter). 
    *₹2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
  • Priority Pass users and add-on members with the visa variant can avail up to 4 free international lounge access per calendar year (1 per quarter).
  • With the RuPay variant, you get 4 free international lounge access per calendar year (1 per Quarter).

Insurance Benefit

  • Accidental air death cover: ₹1 Crore
  • Emergency overseas hospitalisation: ₹15 lakhs
  • Lost Card Liability cover: ₹9 lakhs

Reward Benefits

  • Get 5% back as NeuCoins on non-EMI retail spends on partner Tata Brands.
  • Get 1.5% back as NeuCoins- Non-EMI retail spends on Non-Tata Brands.
  • Get 1.5% back as NeuCoins- Merchant EMI spends (Any Brand)
  • Get 1.5% back as NeuCoins on any UPI spending on Rupay credit card.
    (max of 500 NeuCoins per calendar month)

Fees and Charges

Joining Fees

₹1,499

Annual Fees

₹1,499

Annual Percentage Rate (APR)

41.88%

Foreign Currency Markup

2.00%

Eligibility

Applicant’s age must be between 21 and 65 years.

3. BPCL SBI Credit Card

The BPCL SBI Credit Card is a fuel credit card that helps you save money on your fuel expenses and earn rewards on other categories. This card is a result of a partnership between SBI Card and Bharat Petroleum Corporation Ltd (BPCL), one of India's leading oil and gas companies. It is an entry-level credit card and is an excellent option for regular expenses like shopping and petrol. This card offers several advantages in a variety of categories, such as dining, movies, grocery shopping, and department stores, in addition to other rewards.

Features

Welcome Bonus

Get 2,000 activation bonus reward points worth ₹500 on the joining fee payment.

Fuel Benefits

  • 1% fuel surcharge waiver on every transaction of upto ₹4,000 at any BPCL petrol pump across the country.
  • Get 13 reward points on every ₹100 spent at any BPCL outlet. 

Reward Benefits

  • Earn 5X reward points on every ₹100 spent at groceries, departmental stores, movies & dining (Up to 5000 reward points per month).
  • Get 1 reward point for every ₹100 spent on non-fuel retail purchases.

Fees and Charges

Joining Fees

₹500

Annual Fees

₹500

Annual Percentage Rate (APR)

42.00%

Foreign Currency Markup

3.50%

Eligibility

Applicants must be at least 21 years old and have a stable income.

4. Bank of Baroda (BoB) Premier Credit Card

The Bank of Baroda (BoB) Premier Credit Card is a prestigious offering designed to complement your premier lifestyle. This contactless credit card brings a host of benefits, making it an excellent choice for those seeking a premium credit card experience.

With the BoB Premier Credit Card, you can earn 5X reward points, equivalent to 10 reward points for every ₹100 spent on travel, dining, and international spending. Additionally, you earn 2 reward points for every ₹100 spent on other categories. These reward points can be redeemed for cashback and other exciting options, providing you with flexibility and savings.

Features

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000.
(Max. the benefit is capped at ₹250 per statement cycle).

Lounge Access

Get 1 complimentary airport lounge access every calendar quarter at participating lounges.

Reward Benefits

  • Earn 10 reward points for every ₹100 spent on travel, dining and foreign spending.
  • Earn 2 reward points on every ₹100 spent across all categories.
  • You get a reward rate of 0.5% on all other categories.
  • On travel, eating, and international purchases, the 5x reward point rate is capped at 2,000 monthly reward points.

Insurance Benefits

You get insurance benefits that include personal accident death coverage and no liability coverage if your card is lost or stolen.

Fees and Charges

Joining Fees

₹1,000

Annual Fees

₹1,000

Annual Percentage Rate (APR)

39.00%

Foreign Currency Markup

3.50%

Eligibility

Applicants must be at least 18 years of age and must have a stable income.

Conclusion

RuPay credit cards are a great way to support the Make in India initiative and enjoy the benefits of a domestic payment network. They offer various features and benefits that suit the different needs and preferences of the cardholders. There is a RuPay credit card for everyone, whether you want to save money on petrol, buy at your favourite retailers, or get points for your purchases.

If you are interested in applying for a RuPay credit card or any other credit card, then you must pay a visit to Select by Finology and compare the best credit cards in India. You can also check your eligibility, apply online, and get instant approval for your chosen card. So, what are you waiting for? Find, compare and apply for the best RuPay credit card that suits you on Select by Finology today!