Best Rupay Credit Cards in India 2023
Introduction
In an era characterized by dynamic financial landscapes and evolving consumer needs, credit cards have emerged as indispensable tools for millions of Indians. These versatile pieces of plastic not only facilitate seamless transactions but also offer an array of benefits and rewards tailored to diverse lifestyles. Among the multitude of credit cards available in India, RuPay cards have emerged as a prominent player, capturing the attention of discerning consumers with their unique offerings and distinct advantages. Especially after it being able to be directly linked to UPI.
The landscape of RuPay credit cards has evolved to cater to a myriad of preferences and priorities. Each card bears its own set of features, rewards, and benefits, tailored to address specific facets of everyday life. From exclusive luxury services to specialized rewards for defense personnel, the best RuPay credit cards of 2023 promise to not only simplify financial transactions but also enhance the overall quality of life for cardholders.
Join us as we unveil the best RuPay credit cards in india in 2023, dissecting their features, rewards, and potential drawbacks.
Indian Oil Axis Bank Rupay Credit Card
Fee
Joining Fee: 500+ GST
Annual Fee: 500+ GST
Ideal for
Fuel
Reward Type
Reward Points
Welcome Benefits
100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance.
Rewards & Benefits
Movie & Dining
10% instant discount on movie ticket bookings on BookMyShow
Travel
NA
Rewards Rate
20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card
Reward Redemption
Reward Points redeemable for shopping/travel vouchers and products (from the given product catalog) on Axis Bank EDGE Rewards Portal.
Golf Club Membership
NA
International Lounge Access
NA
Domestic Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
You won’t have to bear any responsibility for unauthorized transactions on your card if you report the loss to the bank promptly.
Fees & Charges of Indian Oil Axis Bank Rupay Credit Card
Fee Waiver
Renewal fee waived off on annual spending of Rs. 50,000.
Rewards Redemption Fee
Nil
Forex Markup
3.5% on all foreign currency spends.
Interest Rates
3.5% per month
Fuel Surcharge
1% fuel surcharge waived at all filling stations across India for transactions between Rs. 200 and Rs. 5,000
Cash Advance Charge
3.4% of the total transaction amount (Minimum Rs. 500).
Add-on Card Fee
Nil
Card Replacement Fee
NA
Indian Oil HDFC Bank Rupay Credit Card
Fee
Joining Fee: 500+ GST
Annual Fee: 500+ GST
Ideal for
Fuel
Reward Type
Reward Points
Welcome Benefits
NA
Rewards & Benefits
Movie & Dining
Save 2.5% on your dining bills.
Travel
NA
Rewards Rate
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Reward Redemption
Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise), through net-banking towards catalog products (1 FP = 20 Paise) and as cashback on the credit card (1 FP = 20 Paise)
Golf Club Membership
NA
International Lounge Access
NA
Domestic Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
You won’t have to bear any responsibility for unauthorized transactions on your card if you report the loss to the bank promptly.
Fees & Charges of Indian Oil HDFC Bank Rupay Credit Card
Fee Waiver
The renewal fee will be waived off on the basis of the amount spent using the credit card.
Rewards Redemption Fee
Nil
Forex Markup
3.5% on all foreign currency spends.
Interest Rates
3.6% per month
Fuel Surcharge
On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.
Cash Advance Charge
2.5% of the amount withdrawn subject to a minimum charge of Rs 500.
Add-on Card Fee
Nil
Card Replacement Fee
NA
Tata Neu Plus HDFC Bank Rupay Credit Card
Fee
Joining Fee: 500+ GST
Annual Fee: 500+ GST
Ideal for
Shopping
Reward Type
Reward Points
Welcome Benefits
499 NeuCoins
Rewards & Benefits
Movie & Dining
NA
Travel
Complimentary domestic airport lounges access.
Rewards Rate
2% &1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.
Reward Redemption
The earned NeuCoins can be redeemed via the Tata Neu application or website on specified Tata brands.
Golf Club Membership
NA
International Lounge Access
NA
Domestic Lounge Access
4 complimentary visits to the domestic airport lounges, limited to 1 visit per quarter.
Insurance Benefits
NA
Zero Liability Protection
You won’t have to bear any responsibility for unauthorized transactions on your card if you report the loss to the bank promptly.
Fees & Charges of Tata Neu Plus HDFC Bank Rupay Credit Card
Fee Waiver
The renewal fee of Rs. 499 is eligible for a waiver if the cardholder spends an amount increasing Rs. 1 Lakh in the previous year.
Rewards Redemption Fee
Rs. 99 per redemption request
Forex Markup
3.5% on all foreign currency spends.
Interest Rates
3.75% per month
Fuel Surcharge
1% of the fuel surcharge will be waived off on fuel transactions.
Cash Advance Charge
Higher of 2.5% of the amount withdrawn or Rs. 500.
Add-on Card Fee
Nil
Card Replacement Fee
NA
Tata Neu Infinity HDFC Bank Rupay Credit Card
Fee
Joining Fee: Rs. 1,499 + GST
Annual Fee: Rs. 1,499 + GST
Ideal for
Shopping
Reward Type
Reward Points
Welcome Benefits
1,499 NeuCoins on Tata Neu App
Rewards & Benefits
Movie & Dining
NA
Travel
Complimentary domestic airport lounges access.
Rewards Rate
10% cashback (in the form of Neucoins) on the Tata Neu app, 5% cashback on Tata partner brands, and 1.5% cashback elsewhere.
Reward Redemption
The earned Neu Coins can be redeemed against Tata partner brands on the tata Neu app at a rate of 1 Neu Coin = Re. 1.
Golf Club Membership
NA
International Lounge Access
4 complimentary international lounge access each year
Domestic Lounge Access
8 complimentary domestic lounge access every calendar year
Insurance Benefits
Insurance cover worth ₹1 crore against air accidents, cover worth ₹15 lakhs against emergency hospitalization and lost card liability cover worth up to ₹9 lakhs.
Zero Liability Protection
The cardholders will not be liable for fraudulent transactions made on a lost/stolen card if they report it within 48 hours.
Fees & Charges of Tata Neu Infinity HDFC Bank Rupay Credit Card
Fee Waiver
The renewal fee of 1499 is waived off on achieving annual spends of Rs. 3 lakhs or more.
Rewards Redemption Fee
Nil
Forex Markup
2% of the total transaction amount.
Interest Rates
3.49% per month
Fuel Surcharge
1% fuel surcharge waiver for all fuel transactions in India between ₹400 and ₹5,000.
Cash Advance Charge
2.5% of the withdrawn amount, subject to a minimum fee of Rs. 500.
Add-on Card Fee
Nil
Card Replacement Fee
NA
IDFC HPCL FIRST Power Rupay Credit Card
Fee
Joining Fee: 199+ GST
Annual Fee: 199+ GST
Ideal for
Fuel
Reward Type
Reward Points
Welcome Benefits
NA
Rewards & Benefits
Movie & Dining
Get an exclusive discount of Rs. 150 on Swiggy orders of Rs. 500 or above.
Travel
Complimentary roadside assistance worth Rs. 1399
Rewards Rate
Save up to 5% on your fuel spends. Save 2.5% as rewards on your utility and grocery expenses. 2.5% as rewards on your IDFC FASTag recharge. 2x rewards on all other retail spends.
Reward Redemption
You can pay for both online and offline transactions at select merchants instantly with your Reward Points. Redeem reward points for membership and gift vouchers of your favorite brands or for products on IDFC Bank’s Reward Redemption Catalog portal.
Golf Club Membership
NA
International Lounge Access
NA
Domestic Lounge Access
NA
Insurance Benefits
Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000
Zero Liability Protection
You won’t have to bear any responsibility for unauthorized transactions on your card if you report the loss to the bank promptly.
Fees & Charges of IDFC HPCL FIRST Power Rupay Credit Card
Fee Waiver
Renewal fee is waived off on spending Rs. 50,000 in the card anniversary year
Rewards Redemption Fee
Rs. 99 plus taxes
Forex Markup
3.5% on all foreign currency spends.
Interest Rates
0.75 – 3.5% per month
Fuel Surcharge
1% fuel surcharge waiver capped at a maximum of Rs. 100 per month
Cash Advance Charge
Rs. 199 per withdrawal
Add-on Card Fee
Nil
Card Replacement Fee
NA
IDFC HPCL First Power Plus Rupay Credit Card
Fee
Joining Fee: 499+ GST
Annual Fee: 499+ GST
Ideal for
Fuel
Reward Type
Reward Points
Welcome Benefits
Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.
Rewards & Benefits
Movie & Dining
25% off on movie tickets up to Rs. 100 once per month and Rs. 150 discounts on all orders above Rs. 500 with Swiggy.
Travel
Complimentary domestic airport lounge access once every quarter and Complimentary roadside assistance worth Rs. 1,399 four times a year.
Rewards Rate
Save up to 5% as rewards on grocery and utility expenses of up to worth Rs. 2,000 per month, Save up to 5% as a reward on IDFC FIRST FASTag recharge max Rs. 1,000 per month, and 3X rewards on all other retail transactions.
Reward Redemption
3X rewards are equal to 3 reward points for every Rs. 150 spent i.e.; 1 RP = Rs. 0.75, HPCL Fuel and LPG – 24 rewards points on every Rs. 150 spent on grocery and utility bill, and IDFC FIRST FASTag recharge – 30 rewards for every Rs. 150 spent.
Golf Club Membership
NA
International Lounge Access
NA
Domestic Lounge Access
Complimentary domestic airport lounge access once every quarter
Insurance Benefits
The benefit of a personal accident loan cover of Rs. 2,00,000.
Card Liability Protection
Card liability is covered for Rs. 25,000 on lost cards
Fees & Charges of IDFC HPCL First Power Plus Rupay Credit Card
Fee Waiver
Rs. 1,50,000 spends in the previous year.
Rewards Redemption Fee
Rs. 99 on every redemption request
Forex Markup
0.75% to 3.5% per month and 9% to 42% annually
Interest Rates
3.4% per month
Fuel Surcharge
1% fuel surcharge waiver (capped at max. Rs. 10,0000 per month).
Cash Advance Charge
Rs. 199 as a cash advance fee.
Add-on Card Fee
Nil
Card Replacement Fee
NA
Which one should I apply for