In today’s market, there are many different kinds of credit cards to choose from, including Rupay credit cards. Rupay credit cards offer many exclusive benefits and rewards that you don’t want to miss out on. In this post, we will discuss the top 10 best Rupay credit cards currently available.
Benefits of Rupay Credit Cards
Credit cards have become an essential part of our daily life. They not only offer convenience but also various rewards and benefits. Rupay credit cards are one of the most popular credit cards in India.
Here are some benefits of using a Rupay credit card:
- More widely accepted than ever before
- Exclusive discounts at various merchants
- Offers unique rewards and cashback options
- Offers protection against fraudulent activities
Top 10 Best Rupay Credit Cards
1. SBI Platinum Rupay Credit Card
SBI Platinum Rupay Credit Card is one of the best credit cards offered by State Bank of India. It comes with a host of benefits, including exclusive offers on dining, travel, and shopping. The card also offers cashback and reward points on every transaction.
One of the key features of the SBI Platinum Rupay Credit Card is its zero liability in case of a lost or stolen card. This means that you will not be liable for any fraudulent transactions made on your card. The card also offers free add-on cards for your family members.
The SBI Platinum Rupay Credit Card also comes with a contactless payment feature that allows you to make payments with just a tap of your card. The card has an EMV chip that ensures the highest level of security for your transactions.
The annual fee for the SBI Platinum Rupay Credit Card is Rs. 499, which is quite reasonable considering the benefits it offers. The card also comes with a welcome gift of up to 2,000 reward points, which can be redeemed for various offers.
Overall, the SBI Platinum Rupay Credit Card is an excellent option for those looking for a credit card with a good rewards program and exclusive offers. It is especially beneficial for those who frequently dine out, travel, and shop.
Key Features:
- Exclusive offers on dining, travel, and shopping
- Annual fee waived on spending more than Rs. 2 Lakh in a year
- Welcome gift: 2,000 reward points
2. HDFC Rupay Premium Credit Card
The HDFC Rupay Premium Credit Card is a great option for those who want a card with a range of benefits at a low cost. This card has a joining fee of only Rs. 500 and an annual fee of Rs. 500, making it an affordable option for most consumers.
One of the key benefits of the HDFC Rupay Premium Credit Card is its rewards program. Cardholders earn 2 reward points for every Rs. 150 spent, and these points can be redeemed for a range of products and services. Additionally, the card offers discounts on dining, shopping, and travel through partnerships with a number of merchants.
The HDFC Rupay Premium Credit Card also offers a range of insurance benefits, including air accident cover, purchase protection, and emergency overseas hospitalization cover. These benefits give cardholders peace of mind and added security while traveling or making large purchases.
Overall, the HDFC Rupay Premium Credit Card is a great option for those who want a credit card with a range of benefits at an affordable cost. Its rewards program, discounts, and insurance benefits make it a valuable addition to any wallet.
Key Features:
- Reward points worth Rs. 500 on the first transaction
- Cashback of up to Rs. 750 each month on grocery shopping
- Fuel surcharge waiver capped at Rs. 250 per billing cycle
3. ICICI Bank Rupay Credit Card
The ICICI Bank Rupay Credit Card is one of the best Rupay credit cards available in India. It offers a host of benefits and features that cater to all kinds of customers. The card is accepted at all Rupay enabled ATMs and merchants, which makes it highly convenient.
With the ICICI Bank Rupay Credit Card, you can earn reward points for all your transactions. You can redeem these points for various vouchers and products. Moreover, the card also offers fuel surcharge waiver at any petrol pump across the country. Additionally, the card comes with zero liability on lost or stolen cards and other security features like EMV chip and PIN technology, making it secure.
The ICICI Bank Rupay Credit Card also provides easy access to cash through cash advances at ATMs, and balance transfer facility. It also has a contactless payment feature that enables quick and hassle-free payments. Overall, the ICICI Bank Rupay Credit Card is a perfect choice for customers who are looking for a card with numerous benefits, rewards, and convenience.
Key Features:
- Welcome bonus: 2,000 bonus reward points
- Up to 1% fuel surcharge waiver at HPCL petrol pumps
- Renewal fee waived on spending more than Rs. 50,000 in the previous year
4. Axis Bank My Zone Rupay Credit Card
Axis Bank My Zone Rupay Credit Card is a popular choice for young adults and students due to its attractive offers and rewards. It is a perfect card for those who enjoy spending on shopping, dining, and entertainment. With this card, customers can earn cashback and discounts on movie tickets, dining, and online shopping.
The card offers a flat 25% discount on movie tickets when purchased through BookMyShow, and 10% cashback on all online shopping transactions made on the weekends. Customers can also earn a 5% cashback on dining transactions at partner restaurants.
Apart from these benefits, Axis Bank My Zone Rupay Credit Card comes with a host of other features such as zero liability on lost cards, fuel surcharge waiver, and easy EMI options. It also has a low annual fee and low joining fee, making it a cost-effective option for customers.
Overall, Axis Bank My Zone Rupay Credit Card is a great choice for those who want to enjoy cashback and discounts on their everyday spending while keeping the costs low.
Key Features:
- Cashback of 25% on movie ticket bookings
- 10 points earned for every Rs. 200 spent
- Milestone rewards: Rs. 500 voucher for spending Rs 5,000 in a month
5. RBL Bank Platinum Maxima Rupay Credit Card
The RBL Bank Platinum Maxima Rupay Credit Card is a great option for those looking for a premium credit card with exciting benefits. It comes with a welcome gift of 8000 reward points that can be redeemed for various gifts or vouchers. This card offers a great rewards program where you can earn 2 reward points for every Rs. 100 spent, which can be redeemed for flights, hotels, and shopping.
With this card, you also get complimentary airport lounge access to select lounges across India, which makes traveling more comfortable. Another great benefit is the fuel surcharge waiver on transactions between Rs. 500 and Rs. 4000 at any petrol pump in India. Additionally, this card comes with a range of lifestyle benefits like dining, shopping, and entertainment discounts.
The annual fee for the RBL Bank Platinum Maxima Rupay Credit Card is Rs. 2,000, which may seem steep, but the benefits outweigh the cost. Overall, if you’re looking for a premium credit card that offers great rewards and lifestyle benefits, the RBL Bank Platinum Maxima Rupay Credit Card is worth considering.
Key Features and Benefits:
- Welcome gifts: 8,000 reward points and Yatra vouchers worth Rs. 1,000
- Concierge services for travel bookings
- Credit limit increase of up to 20% on renewals
6. Bank of Baroda Rupay Select Credit Card
The Bank of Baroda Rupay Select Credit Card is a premium credit card that offers numerous benefits and rewards. This credit card is specifically designed to cater to the lifestyle needs of high-net-worth individuals and is accepted worldwide.
The Bank of Baroda Rupay Select Credit Card offers numerous benefits, including:
1. Welcome Benefits: On availing of this card, users receive a welcome benefit of up to 2000 reward points.
2. Reward Points: With every transaction, users earn reward points, which can be redeemed against a wide range of products and services.
3. Airport Lounge Access: Cardholders can enjoy free access to airport lounges in India, making their travel more comfortable and enjoyable.
4. Travel Insurance: The Bank of Baroda Rupay Select Credit Card provides complimentary travel insurance, which includes personal accident coverage and loss of baggage coverage.
5. Dining Discounts: Users can enjoy exclusive discounts at leading restaurants across India.
6. Fuel Surcharge Waiver: Cardholders can avail of a fuel surcharge waiver of up to Rs. 250 per month at select petrol pumps across India.
7. Zero Liability on Lost Card: In case of loss or theft of the card, the Bank of Baroda Rupay Select Credit Card provides zero liability on any fraudulent transactions made on the card.
Overall, the Bank of Baroda Rupay Select Credit Card is a great option for high-net-worth individuals who are looking for a premium credit card with numerous benefits and rewards. With its wide range of features, this credit card is perfect for those who enjoy travel, dining, and shopping.
Key Features:
- Annual fee waived on spending more than Rs. 50,000 in a year
- Discount vouchers for domestic flight bookings offered every year
- Milestone rewards: Rs. 500 voucher for spending Rs. 5,000 in a month
7. Central Bank of India Rupay Platinum Credit Card
The Central Bank of India Rupay Platinum Credit Card is a great option for individuals who are looking for a credit card that offers a range of benefits. With this card, you can enjoy features like 5% cashback on utility bill payments, fuel surcharge waivers, and rewards points for every transaction. Additionally, the card also comes with complimentary airport lounge access and travel insurance cover. Cardholders can also benefit from zero lost card liability, which ensures that they are protected from any unauthorized transactions. This credit card is also a good option for those who want to build a good credit score as it comes with no joining or annual fee. Overall, the Central Bank of India Rupay Platinum Credit Card is a great choice for anyone looking for a reliable and feature-packed credit card.
Key Features:
- Welcome gift: 1,000 reward points on the first transaction
- Up to 1% fuel surcharge waiver
- Additional reward points for online shopping
8. Punjab National Bank Rupay Platinum Credit Card
The Punjab National Bank Rupay Platinum Credit Card is a great option for those who are looking for a credit card with a range of benefits and rewards. With this card, you can earn rewards points on every purchase you make, which can then be redeemed for a range of benefits including travel, dining and shopping vouchers. Additionally, you can enjoy a range of discounts and deals on various products and services, as well as access to exclusive airport lounges and concierge services. This card also offers zero liability protection for lost or stolen cards, ensuring that you can shop with peace of mind. Overall, the Punjab National Bank Rupay Platinum Credit Card is an excellent choice for those looking for a high-quality credit card with great benefits and rewards.
Key Features:
- Up to 5% cashback on utility bill payments
- Milestone rewards: 1,000 bonus points for spending Rs. 10,000 in a month
- Fuel surcharge waiver capped at Rs. 150 per billing cycle
9. Union Bank of India Rupay Platinum Credit Card
Union Bank of India’s Rupay Platinum Credit Card is designed to provide its users with an enhanced shopping experience. This card comes with various benefits such as fuel surcharge waivers, dining discounts, reward points, and insurance coverage. It is ideal for frequent travelers, as it provides access to various airport lounges across India. Users can earn up to 4 reward points on every Rs. 100 spent and can redeem them for gifts, vouchers, or airline miles. The card also offers protection against fraudulent transactions and lost or stolen card liability. Additionally, users can enjoy zero annual fees for the first year, and thereafter, an affordable annual fee of Rs. 999. Overall, the Union Bank of India Rupay Platinum Credit Card is a great choice for those seeking a feature-packed credit card with attractive rewards and benefits.
Key Features:
- Cashback of 5% on all grocery and departmental store purchases
- Discount vouchers for flight and hotel bookings offered every year
- Concierge services for travel bookings
10. Canara Bank Rupay Select Credit Card
The Canara Bank Rupay Select Credit Card is one of the most popular credit cards among Canara Bank customers. It is a premium card that offers exclusive privileges to its users. Cardholders can enjoy various benefits, such as cashback on fuel purchases, complimentary access to select lounges at airports, and exclusive discounts on dining, shopping, and entertainment. The card also offers high rewards points on every transaction, which can be redeemed for various benefits. Additionally, the Canara Bank Rupay Select Credit Card has low joining and annual fees, making it an excellent choice for individuals looking for a premium card that offers maximum benefits at an affordable price.
Key Features:
- Welcome gift: 2,000 reward points on the first transaction
- Annual fee waived on spending more than Rs. 3 Lakh in a year
- Milestone rewards: 2,000 reward points for spending Rs. 3 Lakh annually
Conclusion
Having a Rupay credit card is essential if you want to avail of various rewards and exclusive offers. With so many options in the market, it’s important to choose the one that best suits your needs. We hope this list of the top 10 best Rupay credit cards in 2023 has helped you in making an informed decision.