Top RuPay Credit Cards – Features, Benefits, and Offers

1. Point of Sale Shopping: Cardholders can make payments directly at retail stores with each transaction. 

1. Online Shopping: Cardholders can utilize the card for e-commerce transactions through websites, apps, etc.  

1. Installment Payments: Some merchants and banks allow the customer to convert their purchases into payment terms known as Equated Monthly Installment (EMI) payments. Again, this spreads a potentially high-value item into multiple payments, making it potentially easier to purchase. 

Top RuPay Credit Cards in India 2025

Top Lifetime Free Credit Cards

Cards with zero joining fee or waived fee under conditions

Other Popular RuPay Credit Cards

Cards with applicable joining fees

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. 

RuPay Credit Cards Link with UPI

In order to promote the use of UPI, RBI has proposed the linking of credit cards to UPI. RuPay credit card holders will be able to link their accounts with UPI and begin making transactions. With this facility, customers will get more options to make UPI payments conveniently. This arrangement will not be operational until the team finishes the necessary system development.

Currently, the 23 banks listed below have enabled the linking of RuPay Credit Cards on UPI:

1. SBI Cards
2. HDFC Bank
   
3. Axis Bank
4. Kotak Mahindra Bank
5. ICICI Bank
6. Punjab National Bank
7. Union Bank
8. Canara Bank
9. IDFC Bank
10. Yes Bank
11. Federal Bank
12. IndusInd Bank
13. AU Small Finance Bank
14. Indian Bank
15. Catholic Syrian Bank
16. BOB Financial Ltd

1. SBM Bank 

1. Saraswat Co-operative Bank Ltd 

1. RBL Bank 

1. Utkarsh SFB 

1. City Union Bank 

1. ESAF Small Finance Bank 

1. IOB 

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: 

How to Link Your RuPay Credit Card to UPI

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

1. Register on BHIM app (You can download it from the Google Playstore)
2.  Choose 'Credit Card' as your linking option.
3. 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.
4. Choose the card you want to link. Confirm the selection.
5. Generate a UPI PIN to complete the process.

How to Generate a UPI PIN for Your RuPay Credit Card

Follow these steps to generate a UPI PIN for your RuPay Credit Card:

1. Step 1: Select your RuPay Credit Card from the linked credit card accounts.
2. Step 2: Choose the ‘Set UPI PIN’ option from the drop-down menu.
3. Step 3: Enter the last 6 digits of your RuPay Credit Card number and the card's expiry date.
4. Step 4: Follow the remaining steps to complete the process and set your UPI PIN.

How to Activate UPI on Your RuPay Credit Card

To enable UPI on your RuPay Credit Card, follow these steps:

1. Step 1: Open your UPI app and find the ‘Add Credit Card’ option.
2. Step 2: Discover and select your credit card issuer bank from the list.
3. Step 3: Link your RuPay Credit Card to the UPI app.
4. Step 4: After linking, set up your UPI PIN using your credit card details, as guided in the app.
5. Step 5: Once the PIN is set, you can start using your RuPay Credit Card for payments via UPI.

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.

NPCI offers RuPay cards at low processing fees along with instant SMS alerts for every transaction made by a customer.

Here is a table summarising the key benefits of RuPay cards for both cardholders and card issuers:

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

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