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Best RuPay Credit Cards in India

RuPay credit cards are an ideal payment solution for Indian consumers, offering a wide range of benefits tailored to the needs of the local market. With features like low fees, strong security, and exclusive rewards, RuPay credit cards have become increasingly popular among cardholders. Moreover, the ability to link your RuPay credit card with UPI (Unified Payments Interface) makes it even more versatile, allowing you to enjoy a smooth and efficient payment experience.

Benefits of Best RuPay Credit Cards

  • Affordable and Low Fees: RuPay credit cards generally offer lower fees and charges compared to international credit cards, making them a cost-effective option for everyday users.
  • Enhanced Security: Equipped with EMV chip technology, RuPay credit cards offer enhanced security, protecting your transactions both online and offline.
  • Wide Acceptance: RuPay cards are accepted across a vast number of merchants in India, including online shopping portals, retail outlets, and service providers. They also have growing acceptance in international markets, offering more convenience to cardholders.
  • Exclusive Rewards & Discounts: Many RuPay credit cards come with rewards programs, cashback, and special discounts on categories such as shopping, dining, travel, and more.

RuPay Credit Cards Linked with UPI: Why They’re Beneficial

  • Seamless UPI Integration: Linking your RuPay credit card to UPI enables easy payments via UPI-supported apps like Google Pay, PhonePe, and Paytm. This eliminates the need for cash or debit cards for everyday transactions.
  • Instant Payments: UPI payments using your RuPay credit card are processed instantly, making it a quick and efficient way to settle bills, make online purchases, and transfer funds.
  • Secure and Safe: With the added security features of RuPay credit cards, your UPI transactions are encrypted and protected by multi-factor authentication. This ensures that all payments made through UPI are safe and secure.
  • Earn Rewards on UPI Payments: Many RuPay credit cards linked with UPI offer rewards for every transaction you make. Whether it’s paying for groceries, utility bills, or shopping online, you can earn cashback or points on your UPI payments.
  • Access to Special Offers: When you link your RuPay credit card with UPI, you can enjoy additional discounts and offers from partner merchants, both online and offline.

Why Choose a RuPay Credit Card Linked with UPI?

  • Convenience: The ability to make UPI payments using your RuPay credit card offers a hassle-free way to complete transactions with just a few clicks or a scan of a QR code.
  • Low Fees and Charges: Enjoy all the benefits of UPI payments without the high fees usually associated with international credit cards.
  • Secure Payments: RuPay credit cards with UPI integration offer peace of mind, knowing your online and offline transactions are protected by advanced security protocols.
  • Greater Control and Flexibility: With your RuPay credit card linked to UPI, you get the flexibility to make payments using your credit limit and manage your finances more easily.

Explore the Best RuPay Credit Cards Linked with UPI

If you are looking for the best RuPay credit cards linked with UPI, browse through our curated list of top options. Whether you are looking for rewards, low fees, or enhanced security features, these cards provide the perfect combination of convenience and financial benefits. Start exploring today and unlock the full potential of your RuPay credit card linked with UPI!

Best RuPay Credit Cards in India

List of Best RuPay Credit Cards in India

Many people in India are now using the Best RuPay Credit Cards to make UPI payments on popular platforms like Paytm, BHIM, PhonePe, and Google Pay. To start using your credit card for UPI transactions, you first need to link it to your preferred UPI app. Below is a list of the Best RuPay Credit Cards in India that offer seamless UPI payment options, making transactions more convenient and rewarding.

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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get 10% cashback on your first five UPI payments using the card. This helps you save money while you spend.
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Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get a Yatra.com e-gift voucher worth ₹8,250 when you pay the membership fee.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 1000 Reward Points and a ₹1000 ixigo Money Voucher on your first transaction within 30 days of card activation.
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Joining Fee
Rs. 2999.00 +GST
Renewal Fee
Rs. 2999.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
You will receive Reliance Retail Vouchers worth Rs. 3,000 and additional discount vouchers worth Rs. 11,999.
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Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Shopping | Dining
Reward Type
Reward Points
Welcome Benefits
You’ll get Reliance Retail Vouchers worth Rs. 500 and extra discount vouchers totaling Rs. 3,200.
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Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You’ll get 350 Reward Points if you spend at least ₹500 within 45 days of getting the card.
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Joining Fee
Rs. 1499.00 +GST
Renewal Fee
Rs. 1499.00 +GST
Best Suited For
Travel | Fuel | Food
Reward Type
Reward Points
Welcome Benefits
You can earn 6,000 Bonus Reward Points, which are worth ₹1,500.
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Joining Fee
Rs. 4999.00 +GST
Renewal Fee
Rs. 4999.00 +GST
Best Suited For
Movies | Shopping | Golf
Reward Type
Reward Points
Welcome Benefits
Rs. 5,000 worth of e-vouchers from brands like Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Add to compare
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Fuel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 100% cashback (up to Rs. 250) on your first fuel transaction within 30 days of receiving the card.
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Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
You will get 2,000 Activation Bonus Reward Points, worth Rs. 500, after paying the joining fee. These points will be credited to your account 20 days after the payment.
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Joining Fee
Rs. 2999.00 +GST
Renewal Fee
Rs. 2999.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
You can get a gift voucher worth Rs. 3,000 from brands like Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.
Add to compare
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Add to compare
Joining Fee
Rs. 99.00 +GST
Renewal Fee
Rs. 99.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Add to compare
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel | Fuel
Reward Type
Reward
Welcome Benefits
A welcome gift voucher worth INR 500 will be provided upon card activation, by completing a transaction of any amount within the first 37 days of receiving the card.