RuPay credit cards have gained significant traction in India, especially with the increasing push towards digital payments and local payment solutions. Offering exciting cashback rewards, benefits on transactions, and tie-ups with merchants, RuPay credit cards are becoming a great choice for many users.
In this guide, we will explore the best RuPay credit cards in India that provide maximum cashback along with other features to help you maximize your savings.
1. SBI RuPay Credit Card
The SBI RuPay Credit Card is one of the most popular RuPay cards in India, offering a range of benefits including cashback rewards. Here’s why it’s a great choice:
- Welcome Benefits: The card offers an attractive joining bonus, which often includes gift vouchers from leading brands.
- Cashback Offers: Enjoy 5% cashback on your groceries, department store, and dining spends. There are additional cashback offers when you spend on travel bookings or movie tickets.
- Annual Fee: The annual fee is low, making it an affordable option for users looking for high rewards with low commitment.
Why Choose This Card: It is perfect for users who want to save on everyday spends such as groceries and dining, while still enjoying cashback on special transactions.
2. HDFC RuPay Millennia Credit Card
The HDFC RuPay Millennia Credit Card is designed for young professionals and frequent online shoppers, providing cashback benefits and lifestyle perks.
- Cashback: Get 5% cashback on online transactions through Amazon, Flipkart, and other e-commerce platforms, and 1% cashback on all offline transactions.
- Rewards Program: Earn 5 reward points for every Rs. 150 spent on the card. These points can later be redeemed for cashback, vouchers, and more.
- Special Discounts: The card offers discounts on movie tickets, dining, and travel.
Why Choose This Card: It’s ideal for those who shop online frequently and want to get rewarded with cashback on every purchase.
3. PNB RuPay Platinum Credit Card
Punjab National Bank’s RuPay Platinum Credit Card is a well-rounded option, offering cashback, rewards, and access to premium services.
- Cashback: Earn 2% cashback on utility bill payments and spending on groceries and fuel. You also get a 1% fuel surcharge waiver at select petrol pumps across India.
- Reward Points: Earn 2 reward points for every Rs. 100 spent on retail purchases, which can be redeemed for cashback or gift vouchers.
- Travel Benefits: Access to domestic airport lounges and concierge services makes it a good choice for frequent travelers.
Why Choose This Card: This card is perfect for users looking for balanced cashback and travel benefits at a low annual cost.
4. Kotak Bank RuPay Credit Card
Kotak Bank’s RuPay Credit Card provides cashback across multiple categories, including groceries, travel, and dining.
- Cashback: The card offers 3% cashback on dining, groceries, and travel bookings, with 1% cashback on all other spends.
- Annual Fee Waiver: The annual fee is waived off on spending Rs. 1 lakh or more annually.
- Additional Benefits: Enjoy exclusive access to domestic airport lounges and Kotak Bank’s online shopping deals and offers.
Why Choose This Card: If you want to enjoy consistent cashback on multiple spending categories while keeping your fees low, this is a strong contender.
5. Union Bank of India RuPay Credit Card
Union Bank of India offers a RuPay Platinum Credit Card with decent cashback rewards and a straightforward rewards program.
- Cashback: Earn 1% cashback on all online and offline transactions, with additional cashback offers during festival seasons.
- Rewards: Earn 1 reward point for every Rs. 100 spent on the card. Points can be redeemed for gift vouchers, merchandise, or cashback.
- Additional Perks: Get access to 24×7 concierge services, discounts on dining, and access to domestic airport lounges.
Why Choose This Card: This card is ideal for users who prefer a no-frills card with simple cashback rewards and moderate spending benefits.
6. ICICI Bank RuPay Contactless Credit Card
The ICICI Bank RuPay Credit Card combines the convenience of contactless payments with cashback offers, making it a good choice for tech-savvy consumers.
- Cashback: Earn up to 5% cashback on online purchases made through Amazon, Flipkart, and other major e-commerce platforms.
- Reward Program: The card offers 1% cashback on other spends, including grocery shopping, dining, and travel.
- Special Offers: Cardholders get exclusive discounts and offers on dining, hotel stays, and retail outlets.
Why Choose This Card: This is a top choice for users who want the convenience of contactless payments with additional cashback benefits on online purchases.
7. Yes Bank RuPay Credit Card
Yes Bank’s RuPay Credit Card offers a great mix of cashback, rewards, and premium benefits, making it one of the best choices for everyday spenders.
- Cashback: Enjoy up to 4% cashback on groceries, fuel, and online purchases. 1% cashback is offered on all other spends.
- Rewards Program: Earn 3 reward points for every Rs. 100 spent, which can be converted to cashback, gift vouchers, or exclusive offers.
- Travel Benefits: This card offers complimentary airport lounge access and discounted travel deals on flights and hotels.
Why Choose This Card: Best suited for those looking for a mix of cashback and premium travel benefits, especially frequent flyers.
8. IDFC First Bank RuPay Credit Card
IDFC First Bank’s RuPay Credit Card is packed with benefits, offering good cashback options across a range of categories.
- Cashback: Enjoy 2.5% cashback on groceries, utility bills, and fuel transactions, with 1.5% cashback on all other retail spends.
- No Annual Fee: This card has no annual or renewal fee, making it an affordable option for those who want to maximize savings.
- Lounge Access: Enjoy complimentary lounge access at domestic airports.
Why Choose This Card: This card is ideal for those who want to save on daily expenses without having to pay an annual fee.
Conclusion: Which RuPay Credit Card is Best for You?
The best RuPay credit card for maximum cashback depends on your spending habits and lifestyle. If you frequently shop online, HDFC RuPay Millennia Credit Card or ICICI Bank RuPay Credit Card can help you earn significant cashback on e-commerce platforms. For those focused on groceries and fuel, PNB RuPay Platinum Credit Card or Yes Bank RuPay Credit Card is ideal. Consider your monthly spending habits, preferred categories for cashback, and any additional perks such as lounge access or dining discounts before choosing the right RuPay credit card for you.
By comparing the offers, benefits, and rewards provided by these RuPay credit cards, you can make an informed decision and get the most value from your card.