Expert Selection 2026
Best Credit Cards for RuPay Credit Cards
Credit cards on the RuPay network with UPI payment support, enabling seamless tap-and-pay and UPI-based transactions at zero MDR.
Recommended Cards (12)
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Top Choice
KOTAK MAHINDRA BANK LTD
Kotak UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- UPI linked credit-card benefits
- 3 reward points per ₹100 on UPI linked credit card transactions
- 3 reward points per ₹100 on other credit card transactions
YES BANK LTD
YES Bank Klick Kiwi RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Specialized for UPI and scan-and-pay transactions
- Base rewards: 4 Kiwis (1% cashback) for UPI transactions
- 2 Kiwis (0.5% cashback) for non-UPI transactions
BANK OF BARODA
BOB RuPay Easy Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Entry-level card with reward rate of 0.25% to 1.25%
- Fuel surcharge waiver on all fuel transactions
- Available on both Visa and RuPay payment networks
HDFC BANK LTD
HDFC Bank PIXEL RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- 5% cashback on choice of any 2 packs from categories like dining, travel, grocery, electronics, and fashion
- 3% cashback on choice of one e-commerce merchant (Amazon, Flipkart, or PayZapp)
- 1% unlimited cashback on all other spends
HDFC BANK LTD
HDFC Bank UPI RuPay Biz Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Business version of UPI RuPay credit card
- 1% cashback on UPI spends
- Business-oriented benefits
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Enabled for UPI payments
- 1% cashback on UPI spends
- Link to UPI-enabled apps like PayZapp
IDFC FIRST BANK LTD
IDFC FIRST EA₹N RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Assured cashback card
- Not eligible for overdue interest charges
- Simplified reward structure
IDFC FIRST BANK LTD
IDFC FIRST Digital RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Add-on metal variant for existing IDFC FIRST cards
- Enables UPI payments using credit card
- Premium metal variant
INDUSIND BANK LTD
IndusInd Bank Platinum RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 2 reward points on every ₹100 transaction via UPI
- Fuel surcharge waiver nationwide
AXIS BANK LTD
Indian Oil Axis Bank RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- nan
AXIS BANK LTD
Axis Bank KWIK RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- nan
AXIS BANK LTD
Fibe Axis Bank RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- nan
Frequently Asked Questions
How do I choose the best credit card for RuPay Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for RuPay Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
Need a Personalized Match?
Take our 2-minute quiz and let our AI algorithm find the perfect credit card based on your spending patterns.
Start MatcherWhy Trust Credhunt?
Unbiased Reviews
Our ratings are based on strict data-driven metrics.
Real-time Data
Fees and rewards are updated daily for accuracy.
Expert Analysis
Every card is reviewed by financial specialists.