Category Guide 2026
Best RuPay Credit Cards Credit Cards
Credit cards on the RuPay network with UPI payment support, enabling seamless tap-and-pay and UPI-based transactions at zero MDR.
Featured RuPay Credit Cards Cards (12)
Top Rated
KOTAK MAHINDRA BANK LTD
Kotak UPI RuPay Credit Card
Excellent
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
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
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
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
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
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
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
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
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
Score5.0
Joining Fee
₹500
Annual Fee
₹500
- nan
AXIS BANK LTD
AXIS BANK LTD
AI Smart Matcher
Finding the right card is hard. Let our intelligence engine do the heavy lifting for you.
Personalize My ChoiceWhy Credhunt?
Direct Bank Links
Apply safely on official bank portals.
No Hidden Costs
What you see is what you pay. Transparent fees.
Updated Weekly
Benefits checked and verified every week.