Looking for the best RuPay credit card to use for UPI payments and online shopping? Check out our top 5 Best RuPay credit card picks that offer instant online approval and exclusive GoPaisa rewards worth up to ₹1200!
RuPay credit cards are quickly gaining popularity in India due to their affordability, security, and strong support from government-backed initiatives. Launched by the National Payments Corporation of India (NPCI), these cards are designed to facilitate secure transactions and seamless integration with UPI for everyday payments.
If you’re planning to apply for one, it’s important to choose a card that aligns with your spending habits and lifestyle needs. To make things easier, we’ve handpicked the top 5 Best RuPay credit cards in 2025 that offer instant online approval and exclusive GoPaisa rewards worth up to ₹1200!
What is RuPay Credit Card?
RuPay Credit Card is a homegrown payment solution developed in India as a secure and affordable alternative to global credit card networks, like Visa and Mastercard. These cards are widely accepted for both online and offline payments within the country.
The RuPay network is supported by major banks such as SBI, PNB, ICICI, HDFC, Kotak Mahindra, Yes Bank, and many more. In fact, RuPay has partnered with over 600 banks across India, making it one of the most accessible credit card options for Indian users.
Rupay credit cards have multiple features:
- Accepted Nationwide: Work seamlessly across Indian merchants.
- Enhanced Security: Built with fraud prevention standards.
- UPI Integration: Scan and pay facility via linked UPI applications.
- Consistent Savings: Earn cashback and reward points every time you spend at merchant outlets via UPI payments.
List of Best RuPay Credit Cards
With so many RuPay credit cards available in the market, picking the right one can be a daunting task. To make things simple, GoPaisa has handpicked the top 5 best RuPay credit cards that offer great perks like extra UPI cashback, fuel surcharge waivers, reward points, and even travel benefits.
1. HDFC RuPay UPI Credit Card
The HDFC RuPay UPI Credit Card offers the perfect mix of credit and convenience. This virtual RuPay credit card, exclusively for existing HDFC Bank customers, is designed to enhance your UPI experience with attractive cashback rewards.
Earn 3% cashback on dining, groceries, and departmental store purchases, 2% on utility bill payments, and 1% on all other UPI transactions. Whether you’re shopping online or paying bills, this card ensures steady savings on every money you spend. Overall, it is the best Rupay credit card option for those who frequently use UPI.
HDFC RuPay UPI Credit Card Features
- UPI payment convenience across merchant QR codes.
- Earn 3% reward points on Groceries, Supermarket & Dining spends, and PayZapp transactions.
- Earn 2% reward points on utility expenses.
- Earn 1% reward points on all other transactions, excluding rent, wallet reload, EMI, fuel, and insurance payments.
- Monthly capping for all transactions is limited to 500 CashPoints in a calendar month (1 CashPoint = 0.25 paisa)
- Enjoy up to 50 days of interest-free period on your HDFC Bank UPI RuPay Credit Card from the date of purchase
HDFC RuPay UPI Credit Card Fees
- Joining Fee: ₹99 + Taxes
- Renewal Fee: ₹99 + Taxes
- Annual Fee Waiver: On spending ₹25000 or more in the previous statement year.
The HDFC RuPay Credit Card is a top pick for UPI users, offering 3% rewards on groceries, dining, supermarkets, and PayZapp. You’ll also get 2% back on utility bills and 1% on other transactions. Plus, apply through GoPaisa and earn an extra ₹350 GoPaisa Rewards!
Apply for HDFC RuPay UPI Credit Card Here!
2. IndusInd Platinum RuPay Credit Card
Another top pick on our list is the IndusInd Platinum RuPay Credit Card, a great choice for those seeking a zero-cost credit card with full UPI support. This lifetime free card comes with no joining or renewal fees. Enjoy seamless payments at any merchant outlet by simply scanning a QR code using your UPI app, no CVV or OTP needed. It’s fast, secure, and ultra-convenient.
IndusInd Platinum RuPay Credit Card Features
- Credit card-enabled UPI for smooth transactions via UPI applications.
- Get 2 reward points per ₹100 spent on UPI transactions
- 1 reward point per ₹100 spent on non-UPI transactions
- Redeem reward points against air miles (Intermiles or KrisFlyer), Cash Credit, Pay with Rewards or for redemption against IndusInd Bank’s Indus Moments Platform
- 1 RP = ₹0.40 against cash credit redemption
- 1 RP = ₹0.60 for non-cash redemption, except for airmiles
- 1:1 redemption rate for Intermiles and 4:1 redemption rate for KrisFlyer Miles
- 1% Fuel surcharge waiver
IndusInd Platinum RuPay Credit Card Fees
- Joining Fee: Nil
- Annual / Renewal Fee: Nil
The IndusInd RuPay Credit Card offers accelerated reward points on UPI transactions, making it a great pick for frequent shoppers who use merchant UPI payments. While the rewards for InterMiles redemptions and non-cash options may be on the lower side, it still stands out as a great lifetime free RuPay credit card, especially for beginners looking to start their credit journey with zero fees. Furthermore, apply for this IndusInd Platinum RuPay Credit Card through GoPaisa and earn exclusive rewards worth ₹1200!
Apply for IndusInd Platinum RuPay Credit Card Here!
3. Tata Neu Plus HDFC Bank RuPay Credit Card
Looking for a rewarding entry-level RuPay credit card? The Tata Neu Plus HDFC Bank Credit Card offers up to 7% NeuCoins on your spends, redeemable across top Tata brands. With added perks like lounge access, fee waivers, and potential annual savings of up to ₹35,699, it’s a smart pick for UPI and regular transactions.
Tata Neu Plus HDFC Bank RuPay Credit Card Features
- Earn 499 NeuCoins on your first transaction within 30 days of card activation.
- Earn 7% NeuCoins on every purchase at Tata Neu app (inclusive of 5% NeuCoins with NeuPass membership)
- Get 2% NeuCoins with Tata partner brands on Online or Offline purchases (partner brands, including BigBasket, Croma, Tata 1mg, Westside, Taj Hotels, Vivanta Hotels, and so many more)
- Receive 2% NeuCoins on utility bill payments through Tata Neu app.
- Get 1% NeuCoins on all other non-UPI transactions and similar rewards on eligible UPI expenses.
- 1% Fuel Surcharge Waiver.
- Redeem NeuCoins to make purchases on Partner Brands (1 NeuCoin = Rs. 1).
- 4 Complimentary domestic lounge access (1 per quarter).
Tata Neu Plus HDFC Bank RuPay Credit Card Fees
- Joining Fee: ₹499 + Taxes
- Renewal Fee: ₹499 + Taxes
- Annual Fee Waiver: On spending ₹1 Lakh or more before the renewal date.
With savings of up to 7% on Tata Group brands, the Tata Neu Plus HDFC credit card offers well-rounded benefits across categories like groceries, travel, lifestyle, and more. You can even earn NeuCoins on UPI spends at merchant outlets, making it a strong Rupay credit card choice to earn maximum rewards on every spend. Apply for this Rupay Credit Card via GoPaisa to unlock ₹1200 in bonus rewards!
Apply for Tata Neu Plus HDFC Bank RuPay Credit Card Here!
4. Axis Neo RuPay Credit Card
The Axis Neo RuPay Credit Card is a lifetime free card crafted for avid online shoppers. This Rupay-enabled credit card offers a host of cashback deals, discounts, and reward points on popular e-commerce platforms, like Amazon, Myntra, BookMyShow, and more.
Tailored to match the needs of today’s online consumers, the Axis Neo RuPay Credit Card combines seamless UPI payments with exciting rewards. Apply now and turn every purchase into savings and benefits!
Axis Neo RuPay Credit Card Features
- Avail 40% off on food delivery at Zomato with Axis Neo RuPay Credit Card.
- Earn 5% off on mobile / broadband / DTH recharge via Paytm.
- Get 10% off (up to ₹250) on a minimum spend of ₹750 at Blinkit. Valid once per month.
- Earn ₹150 off on Myntra on a minimum spend of Rs 999 on chosen styles.
- Get 10% off on every movie ticket booking at BookMyShow with a maximum discount of Rs 100.
- Earn 1 EDGE REWARD point for every ₹200 spent on the Neo credit card.
- Enjoy Up to 15% discount on partnered restaurants in India via Axis Bank Dining Delight.
- Convert purchases above ₹1500 to easy EMIs
Axis Neo RuPay Credit Card Fees
- Joining Fee: Nil
- Renewal Fee: Nil
The Axis Bank Neo RuPay Credit Card is a smart pick for those who frequently order food online via Zomato or pay utility bills through Paytm. Despite being a RuPay variant, it offers the convenience of hassle-free UPI payments by simply scanning merchant QR codes.
What makes it even better? It’s a lifetime free credit card, thus making it an ideal entry-level option for new credit card users. Apply online via GoPaisa and earn ₹1200 in exclusive GoPaisa rewards!
Apply for Axis Bank Neo RuPay Credit Card Here!
5. Tata Neu Infinity HDFC Bank RuPay Credit Card
The Tata Neu Infinity HDFC Bank RuPay Credit Card is a premium co-branded offering from HDFC Bank in collaboration with Tata Neu. Tailored for smart shoppers who frequently shop across Tata Group brands, this credit card offers potential annual savings of up to ₹1,21,779. Its key benefits include complimentary airport lounge access, fuel surcharge waivers, annual fee waivers, cashback on UPI payments, and more, making it a feature-packed RuPay credit card with exceptional value.
Tata Neu Infinity HDFC Bank RuPay Credit Card Features
- Earn 1499 Tata NeuCoins as a welcome benefit
- Earn 10% NeuCoins on Tata Neu application (inclusive of 5% base + 5% NeuPass membership)
- 5% back as NeuCoins on UPI spends via RuPay card variant
- Get 5% NeuCoins while shopping on partnership brands with TATa (including BigBasket, TATA 1MG, Vivanta, Titan, Tanishq, Tata Play, etc)
- Avail 5% NeuCoins on utility bill payments and recharges via Tata Neu app.
- Earn 1.5% NeuCoins on all other non-UPI spends and 1.5% NeuCoins on eligible UPI transactions.
- 8 complimentary domestic lounge visits in a year
- 4 complimentary international lounge visits in a year
- Convert NeuCoins rewards to cash at 1:1 value for making purchases across all Tata Partner Brands (redeem 1 NeuCoin = Rs. 1)
- Avail 1% fuel surcharge waiver
Tata Neu Infinity HDFC Bank RuPay Credit Card Fees
- Joining Fee: ₹1499 + Taxes
- Renewal Fee: ₹1499 + Taxes
- Annual Fee Waiver: On spending ₹3 Lakh or more before the renewal date.
The Tata Neu Infinity HDFC Bank RuPay Credit Card is an excellent choice for online shoppers, especially those loyal to Tata brands. Enjoy up to 10% savings across multiple categories on the Tata Neu platform, along with 1.5% NeuCoins on UPI transactions. Apply now through GoPaisa and unlock ₹1200 in exclusive rewards!
Apply for Tata Neu Infinity HDFC Bank RuPay Credit Card Here!
Also check, Tata Neu Referral Code program for earning extra NeuCoins.
Final Thoughts
Before applying for any RuPay credit card, take a moment to assess your monthly spending habits and financial goals. Choosing a card that aligns with your needs—not just the perks—can make a big difference in how much value you actually get.
Remember, a well-managed budget and timely payments not only help you maximize rewards but also build a strong credit score. It also saves you from unnecessary fees or penalties in the future.
At GoPaisa, we’ve handpicked the 5 best RuPay credit cards in India that offer excellent rewards, UPI compatibility, and lifestyle benefits. Whether you’re shopping online, paying bills, or traveling, there’s a RuPay card that fits your requirements.
Start smart, spend wisely, and apply through GoPaisa to unlock exclusive rewards worth up to ₹1200!
