Best Rupay credit card | No Joining Fee No Annual Fee | ,UPI Credit card

Top 5 Best RuPay Credit Cards in India (2026).

RuPay Credit Cards have become one of the best choices in India because they can be linked directly with UPI apps like Google Pay, PhonePe, BHIM, Paytm, and others. This allows you to scan any UPI QR code and pay using your credit limit while earning rewards or cashback. 

1. Tata Neu Infinity HDFC Bank RuPay Credit Card ⭐ (Best Overall)

Best For

UPI Payments

Shopping

Travel

Tata Brand Users

Charges

Joining Fee: ₹1,499 + GST

Annual Fee: ₹1,499 + GST

Annual fee waived on eligible yearly spending (as per bank policy). 

Key Features

Link with UPI

Earn NeuCoins on UPI payments

5% back on Tata Neu App

Rewards on BigBasket

Croma

Air India

Tata 1mg

Westside

IHCL Hotels

Complimentary Airport Lounge Access

Fuel Surcharge Waiver

Contactless Payments

Reward Benefits

Up to 10% value back on Tata brands

Rewards on everyday UPI transactions

Extra rewards during Tata sales

Pros

✔ Excellent for UPI

✔ Premium travel benefits

✔ High reward rate

✔ Airport lounge access

Cons

❌ High annual fee

❌ Best only if you regularly use Tata brands

2. Kiwi Yes Bank RuPay Credit Card ⭐ (Best for UPI Cashback)

Charges

Joining Fee: ₹0

Annual Fee: Lifetime Free (subject to issuer terms/offers). 

Features

Specially designed for UPI

QR Scan Payments

Cashback on UPI

Easy virtual card

Instant approval for eligible users

Google Pay

PhonePe

BHIM support

Benefits

Cashback on every eligible UPI payment

Milestone rewards

Digital onboarding

Pros

✔ Lifetime Free

✔ Excellent cashback

✔ Great beginner card

✔ Best for daily expenses

Cons

❌ Limited travel benefits

❌ Fewer lifestyle offers

3. SBI SimplyCLICK RuPay Credit Card

Best For

Online Shopping

Amazon

BookMyShow

Cleartrip

Netmeds

Charges

Joining Fee: ₹499 + GST

Annual Fee: ₹499 + GST

Annual fee waiver available on eligible annual spending. 

Features

UPI Enabled

10X Rewards on partner merchants

EMI Facility

Contactless card

Global acceptance

Benefits

Reward points on online shopping

Fuel surcharge waiver

Welcome gift

Pros

✔ Affordable

✔ Great online shopping rewards

✔ Trusted SBI network

Cons

❌ Limited offline rewards

4. Axis Bank My Zone RuPay Credit Card

Best For

Entertainment

Movies

Dining

Charges

Joining Fee: Usually ₹500 (often offered Lifetime Free during promotions)

Annual Fee: ₹500 (may be waived based on spending or promotional offers). 

Features

UPI Payments

Dining Discounts

Movie Benefits

Airport Lounge Access

Fuel Waiver

Contactless Payments

Benefits

Entertainment offers

Rewards on spending

Lounge access (subject to spending criteria)

Pros

✔ Good lifestyle card

✔ Decent rewards

✔ Lounge benefit

Cons

❌ Moderate reward rate

5. AU Ixigo RuPay Credit Card

Best For

Travel

International Spending

Zero Forex

Charges

Joining Fee: ₹0

Annual Fee: Lifetime Free. 

Features

Zero Forex Markup

Domestic Airport Lounge

International Lounge Access

Railway Lounge Access

UPI Support

Travel Discounts

Flight Offers

Hotel Discounts

Benefits

0% Forex markup

Reward points

Travel insurance

Airport lounge access

Railway lounge access

Pros

✔ Best travel RuPay card

✔ Lifetime Free

✔ Zero forex

Cons

❌ Rewards are mainly travel-focused

Eligibility

Most banks require:

Age: 21–60 years (varies by issuer)

Indian resident

Good CIBIL Score (preferably 750+)

Stable income (salary or business)

Valid PAN and Aadhaar

Bank account

Mobile number linked with Aadhaar

Documents Required

PAN Card

Aadhaar Card

Passport-size photo (if required)

Salary slips (last 2–3 months) or Income Tax Return for self-employed

Bank statements

Address proof (if needed)

How to Apply

Online

1. Visit the bank's official website.

2. Select the desired RuPay credit card.

3. Click Apply Now.

4. Enter your mobile number and verify via OTP.

5. Fill in personal, employment, and income details.

6. Upload the required documents.

7. Complete e-KYC (if applicable).

8. Submit the application.

9. Track the application status online.

10. If approved, receive a virtual card instantly (for eligible cards) or the physical card by courier.

Offline

Visit the nearest bank branch.

Fill out the application form.

Submit documents.

Complete KYC.

Wait for approval.

Which Card Should You Choose?

Purpose Best Card

Best Overall Tata Neu Infinity HDFC RuPay

Best UPI Cashback Kiwi Yes Bank RuPay

Best Online Shopping SBI SimplyCLICK RuPay

Best Entertainment Axis My Zone RuPay

Best Travel AU Ixigo RuPay

Final Verdict

If you make frequent UPI payments, the Kiwi Yes Bank RuPay Credit Card is one of the strongest cashback-focused options. If you're deeply invested in the Tata ecosystem, Tata Neu Infinity HDFC RuPay offers premium rewards and travel benefits. Travelers should consider the AU Ixigo RuPay Credit Card for its lifetime-free structure, lounge access, and zero forex markup.