Best RuPay Credit Card: Benefits & How To Apply In 2024

The IndianOil HDFC RuPay Credit Card is the RuPay variant of the previously launched IndianOil HDFC RuPay Credit Card. Though a reward based credit card one can convert to cash or purchase oil once again with the awarded fuel points. One can get petrol equivalent to 5% of the money spent on petrol, diesel, groceries and bill payments by using this card. Applicants will have to opt for this particular variant while applying for the card.

Benefits:

• Users get 5% of their spends only at IndianOil outlets as fuel points.
• In petrol pumps run by other companies it is going to be just 1 reward point on a spending INR 150.
• In the first six months of subscription one can get 250 points in a month and post six months 150 points a month.
• To get this waver the minimum transaction should be of INR 400 and the maximum amount of money that a person can save in a month is INR 250.
• 5% fuel points are also available on grocery purchase and payment of bills.
• To the maximum of 100 points per month in each of the above categories.
• One can get fuel in exchange for these reward points, as we have already mentioned the amount of fuel will be equivalent to the 5% of the amount spent. These reward points can only be used at Indian oil pumps. This is for accurate fuel points.
• All the other numeric fuel points can also be exchanged in return of fuel:

1. 1 fuel point = INR 0.96 ( if one wants to purchase fuel)
2. 1 fuel point = INR 0.20 ( if one wants to get a cash back)
3. Fuel points are valid for two years.

SBI has launched the Shaurya Select RuPay Credit Card, keeping in mind the defense personnel . It provides cash back on dining, movies, departmental stores and grocery and purchase from CSD. There is no other card facilitating purchase from CSD canteens. It has many other unique features and has no joining fee.

Benefits:

• 10 reward points per INR 100 spent on dining, movies, departmental stores and grocery and purchase from CSD canteen spends.
• 2 reward points per INR 100 spent on all other spends.
• 1500 reward points on payment of renewal fee every year.
• Pizza Hut e-voucher worth INR 500 on achieving spends of INR 50 thousand in a calendar quarter.
• E-gift voucher worth INR 7,000 from Yatra or Pantaloons on achieving annual spends of INR 5 lakh.
• Waiver of renewal fee on annual spends of INR 1.5 lakh and above.
• Personal accidental insurance cover of INR 10 lakh offered by RuPay.
• 1% fuel surcharge waiver at all petrol pumps.
• 24×7 concierge services.
• Reward point redemption: 1 reward point = INR 0.25.

The Bank of Baroda ICSI DIAMOND Credit Card stands out as an excellent financial companion that offers a range of compelling benefits. As a lifetime free card, it comes with no joining or annual fees, making it a cost-effective choice. Cardholders are greeted with generous joining and activation rewards, including a complimentary 6-month FITPASS Pro Membership worth INR 15,000 and a bonus of 1,000 reward points upon using the card within 30 days of issuance.

Moreover, the card rewards significant spenders with 4,000 reward points when spending over INR 1 lakh or their credit limit (whichever is higher) in a calendar quarter. Everyday spending is further enriched with 5 reward points for every INR 100 spent on dining, online transactions, and utility bills.

Benefits

• This card offers lifetime free membership with no joining or annual fees.
• Complimentary 6-month FITPASS Pro Membership worth INR 15,000, and receive 1,000 reward points by using your card within 30 days of issuance.
• 4,000 reward points when you spend over INR 1 lakh or your credit limit (whichever is higher) in a calendar quarter.
• For your daily spending, earn 5 reward points for every INR 100 spent on dining, online transactions, and utility bills.
• The earned reward points can be easily redeemed for cash back at a rate of 1 reward point equaling INR 0.25.
• Additionally, enjoy the luxury of 12 complimentary airport lounge access visits per calendar year, with 3 available each quarter.
• Your card also includes professional indemnity insurance coverage of INR 5 lakhs for added peace of mind.

SBI has launched the RuPay version of SimplySAVE RuPay Credit Card, in which all the benefits are the same as that of the original card but in addition users are getting additional benefits of a RuPay credit card. This credit card facilitates people who like to dine out, love shopping and are frequent visitors to malls and movie theaters.

Benefits:

• On spending INR 2,000 or more in the first 60 days, you get 2,000 bonus reward points as welcome benefits.
• Bonus points are credited to the user’s SBI card account within 60 days of eligible transaction(s).
• Maximum 2000 points can be availed per SBI card account as a part of this offer.
• 10X reward points on a spend of INR 100 on dining, movies, departmental stores and grocery spends.
• On any other spend, 1 reward point per INR 100 spend.
• 1% surcharge waiver on fuel.

Premier RuPay Credit Card is best for people traveling abroad as there are reward points for spends made abroad. Card provides reward points worth INR 2.50 on spending INR 100.

This card can be converted into a lifetime free credit card by making a purchase of INR 1,20,000 with it in a year. Users can spend INR 10,000 within 60 days of receiving the card and get the annual fee waived off.

Benefits:

• 10 reward points for every INR 100 spent on travel, dining and abroad (International spends)
• 2 reward points for every INR 100 spent on other categories
• 1 Complimentary airport lounge visit every calendar quarter
• 1% fuel surcharge waiver at all fuel stations across India on transactions between INR 400 and INR 5,000 to the maximum of INR 250 in a month.
• Interest free credit facility is available for 50 days on any purchase.
• Personal accidental death cover available for the users.
• Purchases above 2500 can be converted to EMIs.

Easy RuPay Credit Card is to facilitate grocery shopping and purchases from departmental stores and provides reward points worth INR 1.25 on spending INR 100.

This card can be converted into a lifetime free credit card by making a purchase of INR 60,000 with it in a year. Users can spend INR 6,000 within 60 days of receiving the card and get a waiver of the annual fee.

Benefits:

• 5 reward points for every INR 100 spent on grocery, departmental stores, movie spends.
• 1 reward point for every INR 100 spent on other categories.
• 1% fuel surcharge waiver at all fuel stations across India on transactions between INR 400 and INR 5,000 to the maximum of INR 250 in a month.
• Interest free credit facility is available for 50 days on any purchase.
• Personal accidental death cover available for the users.
• Purchases above 2500 can be converted to EMIs.

The SimplyCLICK Credit Card is essentially a fundamental point-based credit card designed for online shopping. It offers an economical option when compared to other cards in the same category. This card is particularly well-suited for users who want to save money and earn reward points while shopping online. It provides coverage for most major shopping websites and offers attractive reward points on purchases. Additionally, the convenience of registering utility bills ensures timely payments, making it a straightforward choice with no hidden fees or complexities, which is especially beneficial for beginners.

• 2,000 bonus reward points when you spend INR 2,000 or more within the first 60 days of card activation.
• 10 reward points for every INR 150 spent on Dining, Movies, Departmental Stores, and Grocery expenses.
• For all other purchases, you’ll receive 1 Reward Point for every INR 150 spent. (1 Reward Point equals INR 0.25)
• 1% fuel surcharge waiver at any petrol pump. To avail this offer, make a transaction between INR 500 and INR 3,000 at any petrol pump in India.
• From the second year of your subscription, you’ll receive an annual membership fee reversal.
• To qualify for the fee reversal, you need to have spent INR 1,00,000 or more on your SimplySAVE SBI Card in the previous year.

The Kotak Mojo RuPay Credit Card offers a host of enticing features for cardholders. It provides an impressive package of 8 complimentary annual visits to Dream Folks Airport Lounges located in domestic terminals, ensuring a relaxing and comfortable travel experience. What makes this card particularly attractive is its rewards system, allowing cardholders to earn an unlimited 2.5 Mojo points for every INR 100 spent on online transactions and a steady 1 Mojo point for every INR 100 spent on all other purchases. Additionally, the card provides valuable benefits like waivers on fuel and railway expenses, making it a well-rounded choice for those looking to maximize their spending power while enjoying perks like lounge access and reward points.
Benefits

• 8 complimentary visits to Dream Folks Airport Lounges in India’s domestic terminals annually (with 2 visits every quarter).
• Receive 2,500 Mojo points each quarter when you spend INR 75,000, available for the first year.
• Unlimited 2.5 Mojo points for every INR 100 spent on online purchases.
• Unlimited 1 Mojo point for every INR 100 spent on all other transactions.
• The 1% fuel surcharge waiver applies to transactions falling within the range of INR 500 to INR 3,000, with a maximum annual waiver limit of INR 3,500.
• For transactions made on www.irctc.co.in, a railway surcharge of 1.8% is applicable, whereas transactions at Indian Railways Booking Counters incur a 2.5% surcharge.
• The maximum railway surcharge waiver permissible within an anniversary year is capped at INR 500.

The HDFC MoneyBack+ RuPay Credit Card is a valuable addition to your wallet, offering a range of enticing benefits. Cardholders can earn 10X CashPoints on popular platforms like Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy, making online shopping and dining more rewarding. For those opting for EMI payments at select merchant locations, the card provides 5X CashPoints. Even everyday expenses are not left unrewarded, with 2 CashPoints earned for every INR 150 spent on other transactions, excluding fuel, wallet loads, prepaid card loads, and voucher purchases.

Benefits

• 10X CashPoints on purchases made at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
• 5X CashPoints when using EMI payments at select merchant locations.
• 2 CashPoints for every INR 150 spent on all other transactions (excluding fuel purchases, wallet loads, prepaid card loads, and voucher purchases).
• Receive a INR 500 gift voucher upon spending INR 50,000 within a single calendar quarter.
• Benefit from a 20% discount at partner restaurants through Swiggy Dineout.
• 1% discount on fuel transactions

HDFC has launched the RuPay variant of its one of the most popular credit card Regalia. It is known as RuPay Regalia Credit Card. It has all the features same as the original Regalia plus the features offered by RuPay. It is a luxury credit card and still very popular.

Benefits:

• Annual fee is waived off if you spend more than INR 3 lakh in the first year of taking the card and renew it once again the next year.
• Welcome Benefit: 2500 reward points and you get the same every time you pay the annual membership. This benefit will not be given to you if the annual fee is waived off.
• Exclusive complimentary Dineout Passport Membership.
• 12 complimentary airport lounge accesses within India and six outside.
• 10,000 reward points on expenditure of INR 5 lakh and additional 5,000 reward points on INR 8 lakh of expenditure in an anniversary year.
• Earn 4 reward points on every INR 150 spent (these spends should be on retail).
• In case you lose your Regalia Credit Card and you report it immediately to the company’s 24-hour call center, you have zero liability on any fraudulent transactions made on your credit card.
• Foreign currency markup is 2%, which is comparatively low compared with other cards’ markup, which can be as high as 3.5% + GST.
• 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of INR 400 and maximum transaction of INR 5,000.
• Accidental air death cover of INR 1 crore.
• Emergency overseas hospitalization cover: It covers up to INR 15 lakh.
• Lost card liability cover: It covers up to INR 9 lakh.
• 4 reward points on every INR 150 spent on all retail spends including insurance, utilities, education and rent payments.
• 10,000 reward points on annual spends of INR 5 lakh.
• Additional 5,000 reward points on annual spends of INR 8 lakh.
• Reward Point (RP) Redemption:
  1. You can redeem your reward points on Smartbuy or Netbanking.
  2. Flights and hotel bookings via Smartbuy at a value of 1 RP = INR 0.5
  3. Airmiles conversion through Netbanking at a value of 1 RP = 0.5