Best RuPay Credit Cards in India – Features, Benefits, and Offers

• Axis Fibe RuPay Credit Card
• Edge CSB Bank RuPay Credit Card
• Kotak Metro Cash & Carry
  
• Union Bank Select RuPay Credit Card
• YES BANK POP-CLUB Credit Card
• YES BANK FinBooster RuPay Credit Card
• Bank of Baroda CMA One Credit Card
• Bank of Baroda ICAI EXCLUSIVE Credit Card
• Bank of Baroda ICSI DIAMOND Credit Card
• BOBCARD Premier RuPay Credit Card
  
• Indian Overseas Bank Classic RuPay Credit Card
• IndusInd Platinum RuPay Credit Card
• IndusInd Samman RuPay Credit Card
• PNB Platinum RuPay Card
  
• Canara Bank Rupay Platinum Credit Card
• Canara Bank Rupay Select Credit Card
  
• UCO Bank RuPay Platinum
• TMB WINGS RuPay Credit Card
• TMB Phoenix RuPay Credit Card
• Union Bank Divaa RuPay Credit Card
• SBM EnKash RuPay Business Credit Card
  

Top RuPay Credit Cards with Annual Fees

RuPay credit cards with applicable joining fees:

Top Uses of a RuPay Credit Card

• Shop Online with Confidence: Use your RuPay credit card to make secure payments on popular online shopping websites and apps. Enjoy the convenience of shopping anytime from the comfort of your home.  

• Make Payments at Retail Stores: RuPay credit cards are accepted at a wide range of stores across India. Simply swipe, insert, or tap your card to pay for groceries, clothing, electronics, and more.  

• Pay Utility Bills Conveniently: Easily settle electricity, water, gas, mobile, and other utility bills using your RuPay credit card. It helps streamline your monthly expense management through a single payment option.  

• Travel Smarter with Added Benefits: Use your RuPay credit card to book flights, train tickets, and hotel stays. Depending on your card type, you may also enjoy travel-related perks such as lounge access, insurance coverage, and special discounts.  

• Save More on Dining & Entertainment: Many RuPay credit cards provide exclusive offers at restaurants, entertainment venues, and movie ticket bookings, including cashback and discounts.  

• Withdraw Cash When Needed: RuPay credit cards allow cash withdrawals from ATMs across India during emergencies or urgent cash requirements. Please note that cash advances may attract additional charges or interest.  

• Convert Big Purchases into Easy EMIs: Turn high-value purchases into affordable monthly instalments (EMIs). This feature helps you manage expenses better by spreading payments over a convenient period. 

How Does a RuPay Card Work?

A RuPay card offers customers enhanced security in the form of an embedded EMV chip enabling high-value transactions to be done with complete protection. Additionally, RuPay cards also carry an inbuilt microprocessor circuit containing information about the card owner. 

A RuPay card is a payment card that enables customers to conduct secure electronic transactions. These secure transactions are made possible by an EMV chip that resides within the card. The EMV chip not only protects consumers from fraudulent transactions, but it also contains a microprocessor that stores certain information about the cardholder.  

When a cardholder swipes their RuPay card at a PoS merchant terminal, the merchant receives payment for the transaction on behalf of the cardholder by their bank. The cardholder is then required by their bank to pay their monthly statement balance as a complete balance due or for an EMIs payment. 

How to Link RuPay Credit Cards With UPI Apps

The steps to link RuPay credit cards with UPI apps are mentioned below: 

• Open Your Preferred UPI App: Launch any UPI-enabled app of your choice on your smartphone.  

• Discover Eligible RuPay Credit Cards: Use your registered mobile number to view and select the RuPay credit cards linked to your bank account.  

• Link Your Credit Card to UPI: Choose the RuPay credit card you want to connect and link it to your UPI ID.  

• Create a UPI PIN for Transactions: Set up a secure UPI PIN specifically for authorizing RuPay credit card payments.  

• Start Making Payments Instantly: Once linked, you can pay merchants directly by scanning QR codes using your RuPay Credit Card through UPI. 

Steps to Link Your RuPay Credit Card to UPI

To link your RuPay Credit Card with UPI, follow these steps:

• Register on BHIM app (You can download it from the Google Playstore)
•  Choose 'Credit Card' as your linking option.
• Select your issuing bank from the drop-down menu. Make sure the mobile number associated with your issuing bank is updated. Masked Credit Cards associated with your mobile number will appear on the screen.
• Choose the card you want to link. Confirm the selection.
• Generate a UPI PIN to complete the process.

How to Generate a UPI PIN for Your RuPay Credit Card

• Set a Secure UPI PIN: Create a 4-digit or 6-digit UPI PIN, depending on your bank’s configuration for the linked RuPay credit card.  

• Use a Unique PIN for Better Security: Ensure that your UPI PIN is different from your credit card PIN, banking app password, and device lock PIN to maintain stronger security.  

• Confirm Your UPI PIN: Re-enter the PIN to verify and complete the setup process.  

• Keep Your PIN Confidential: Store your UPI PIN safely and never share it with anyone, including bank officials or app support teams.  

• Reset the PIN if Forgotten: In case you forget your UPI PIN, you can easily reset it through the UPI app settings by completing the card verification process again.  

• Start Using Your Card for UPI Payments: Once the setup is complete, you can make UPI payments at merchant outlets using your RuPay Credit. 

Different Variants of RuPay Cards

RuPay categorises its cards into offerings for individual consumers (Classic, Platinum, and Select) and for MSMEs (Micro, Small, and Medium Enterprises). Here is a table summarising the different RuPay Credit Card variants and their key features: 

Benefits of using RuPay Credit Cards

RuPay cards offer various benefits to both card issuers and cardholders with superior customer service and higher levels of acceptance.

• Wide Acceptance Across Merchants: RuPay Credit Cards are accepted at over 60 million merchant outlets, including online stores, supermarkets, restaurants, and retail shops, making them convenient for both online and offline purchases.  

• Seamless Integration with UPI Apps: RuPay Credit Cards can be easily linked to popular UPI apps, allowing users to make everyday payments by simply scanning QR codes. This is why they are commonly referred to as UPI Credit Cards.  

• Cost-Effective Payment Solution: Compared to many international card networks, RuPay Credit Cards often have lower transaction fees, processing charges, and annual maintenance costs, making them an affordable choice for digital payments.  

• Exclusive Offers and Cashback: Benefits Users can enjoy customised discounts, cashback offers, dining deals, and entertainment benefits, adding extra value to regular transactions.  

• Enhanced Security Features: RuPay Credit Cards offer advanced security measures and virtual card capabilities to help protect users’ financial information and reduce the risk of fraudulent transactions.  

• Reward Points on Transactions: Many RuPay Credit Cards provide reward programs where users earn points on purchases. These reward points can be redeemed for travel, shopping vouchers, gift cards, and other benefits.  

• Supports Financial Inclusion: RuPay Credit Cards help expand access to formal banking and digital payment services across different socio-economic groups, encouraging greater financial participation.  

• Convenient Bill Payment Management: Users can automate payments for utility bills, subscriptions, and recurring expenses, ensuring timely payments while simplifying expense management.  

• International Usability: Although primarily designed for domestic transactions, RuPay Credit Cards also support international usage through partnerships with global payment networks.  

• Promotes Digital Empowerment: By enabling secure and cashless transactions, RuPay Credit Cards contribute to India’s growing digital economy and support the move towards a more transparent and efficient payment ecosystem. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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