01
AU Small Finance Bank
ixigo Credit Card
Key reward or benefit
10 reward points per ₹200
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best for Online Spends
- Major limitation
- fuel spends
RuPay guide
Best RuPay Credit Cards in India
For users who want a RuPay credit card for UPI payments, everyday rewards, cashback, or low-fee spending.
Grounded in verified card data
Fees, rewards, exclusions, redemption rules, and benefits from the SimplifyCards dataset
- Shortlist
- 10 cards
- Last updated
- July 2026
Ranked shortlist
Top cards for this search
Ranked from existing SimplifyCards data Open any card for full rewards, exclusions, redemption, and eligibility details
Rewards cards
5 cardsDetails
02
YES Bank
POP CLUB Credit Card
Key reward or benefit
10 POPcoins / ₹100 spent
- Annual fee
- ₹ 399
- Best use case
- Best for Online Spends
- Major limitation
- Fuel transactions
03
YES Bank
RESERV Credit Card
Key reward or benefit
24 YES Rewardz Points / ₹200 spent
- Annual fee
- ₹ 2,499
- Best use case
- Best for Online Spends
- Major limitation
- Fuel transactions
04
HSBC Bank
RuPay Platinum Credit Card
Key reward or benefit
Lifetime-free, so there's no annual fee to recover before it adds value
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best as a no-fee everyday card
- Major limitation
- Fuel transactions
05
SBI Card
Reliance PRIME Credit Card
Key reward or benefit
20 Reward Points / ₹100 spent
- Annual fee
- ₹ 2,999
- Best use case
- Best for AJIO And JioMart Online Spends
- Major limitation
- fuel spends
Cashback cards
5 cards01
YES Bank
Kiwi Credit Card
Key reward or benefit
1.5% cashback on eligible UPI spends via kiwi, auto-credited with no points to manage
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best for simple cashback
- Major limitation
- fuel spends
02
SBI Card
PhonePe SELECT BLACK Credit Card
Key reward or benefit
10 Reward Points / ₹100 on eligible phonepe spends, auto-credited with no points to manage
- Annual fee
- ₹ 1,499
- Best use case
- Best for simple cashback
- Major limitation
- fuel
03
SBI Card
PhonePe PURPLE Credit Card
Key reward or benefit
3 Reward Points / ₹100 on eligible phonepe spends, auto-credited with no points to manage
- Annual fee
- ₹ 499
- Best use case
- Best for simple cashback
- Major limitation
- fuel
04
HSBC Bank
RuPay Cashback Credit Card
Key reward or benefit
10% Cashback on dining, food delivery, and grocery spends, auto-credited with no points to manage
- Annual fee
- ₹ 499
- Best use case
- Best for simple cashback
- Major limitation
- Utility bill payments
05
Axis Bank
Fibe Credit Card
Key reward or benefit
3% Cashback on food delivery, entertainment & local commute, auto-credited with no points to manage
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best for simple cashback
- Major limitation
- Fuel transactions
FAQ
Common questions
Practical answers about the shortlist, verification, and how rankings work
How are these RuPay credit card cards ranked?
SimplifyCards ranks cards using the existing recommendation engine, which weighs fees, rewards, caps, lounge rules, forex markup, milestones, redemption value, exclusions, and card popularity from the verified card dataset.
Are these card details manually verified?
The card data is manually reviewed in the database, but issuer terms can change. Always verify final fees, eligibility, rewards, and exclusions with the issuer before applying.
Do affiliate links affect the ranking?
No. Rankings are generated from card data and scoring logic. Affiliate links, when present, are shown as Apply buttons.
Why should I still read the card detail page?
The detail page includes fuller reward tables, exclusions, eligibility, redemption options, latest updates, and caveats that may not fit into a ranked guide summary.
Can I ask for a recommendation based on my own spending?
Yes. Use the Ask SimplifyCards button on this page to continue into the AI ask flow with this search intent.
Disclosure: Apply buttons may use affiliate links. Check official site links open issuer or partner pages, and rankings are generated from card data and scoring logic.
Last updated: July 2026