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All RuPay Credit card issuer bank list & How to change Visa Card to RuPay Credit card

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Abhishek012

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Introduction

The National Payments Corporation of India (NPCI) is set to launch RuPay credit cards with all major banks in the coming years. RuPay currently offers three main credit card variants:
  1. RuPay Classic (Basic/Standard)
  2. RuPay Platinum (Premium) // includes SwiggyOne, Spa, Gift Cards, and more.
  3. RuPay Select (Super Premium)
There are also two sub-types under RuPay Select:
  1. RuPay Select
  2. RuPay Select Wellness (includes Gym, Spa, Golf programs, and more).
Key Features of RuPay Credit Cards
  • International Acceptance: Supported by Discover Financial Services, Diners Club International, Pulse, and JCB.
  • Free Benefits: Lounge access, wellness perks, and e-commerce offers.
  • Bank Offers: RuPay cards are eligible for the same offers as Visa/Mastercard (e.g., 10% discounts on Amazon, Flipkart).
  • No Discrimination Between Networks: If your Visa/Mastercard is lifetime free, the RuPay equivalent will also be lifetime free.
Lounge Access
  • RuPay JCB Platinum card then access free International lounge through LoungeKey, register here - https://www.loungekey.com/en/jcb12/
  • RuPay JCB Select card then access free International lounge through LoungeKey, register here - https://www.loungekey.com/en/jcb11/
  • RuPay JCB Card holders also access free JCB In-City lounge access worldwide. Some Indian banks also offer unlimited airport lounge access in china, Japan & Hawai for RuPay JCB card holders.

RuPay Credit Card Issuing Banks (Updated Till December 2024)

1. HDFC Bank​

  • Available Cards: Bharat Cashback, IndianOil, MoneyBack+, Freedom, Regalia.
  • Recent Additions:
    • RuPay Regalia (June 2022).
    • TATA NEU Co-branded Cards (August 2022).
    • IRCTC RuPay Card (December 2022).
    • Stopper Stop Co-branded Cards (August 2023).
    • FirstBiz RuPay Credit Card (March 2024).
    • Business Regalia RuPay (May 2023).
    • CSC Small Business MoneyBack, Business MoneyBack, Virtual only UPI RuPay, FirstBiz RuPay
    • HDFC BizPower and HDFC BizGrow also live on RuPay
    • HDFC Pixel Go and HDFC Pixel Play RuPay (Both Pixel Card RuPay Physical Variant also available)

2. Bank of Baroda (BOB)​

  • Available Cards: Eterna, Easy, Premier, IRCTC, HPCL Energie, Snapdeal.
    • ICAI EXCLUSIVE, ICSI DIAMOND, CMA ONE, Varunah (all variants), Yoddha, Rakshamah,Vikram
  • Special Editions: Sentinel for Assam Rifles (July 2022), RuPay PRAGATI
  • BOB TIARA RuPay Credit Card

3. SBI Card​

  • Available Cards:
    SBI Shaurya Platinum RuPay
    SBI Shaurya Select RuPay
    SBI IRCTC RuPay
    SBI IRCTC Platinum RuPay (higher variant SBI IRCTC Card)
    SBI SimplySAVE RuPay
    SBI-PSB Bank partnership SimplySAVE RuPay
    SBI-Central bank of India partnership SimplySAVE RuPay
    SBI-KVB Bank partnership SimplySAVE RuPay
    SBI-South Indian Bank partnership SimplySAVE RuPay
  • SBI-Karnataka Bank partnership SimplySAVE RuPay
  • SBI-Karnataka Bank partnership Prime RuPay
    SBI BPCL Platinum RuPay
    SBI BPCL Octane RuPay
    SBI Reliance RuPay
    SBI Reliance Prime RuPay
    SBI Paytm RuPay
    SBI Paytm Select RuPay
    SBI Elite RuPay
    SBI Prime RuPay
    SBI Titan RuPay
    SBI Yatra RuPay
    SBI Apollo RuPay
    SBI Miles RuPay
    SBI Miles Prime RuPay
    SBI Miles Elite RuPay
    SBI OLA Card on RuPay

4. Axis Bank​

  • Available Cards: IndianOil, MyZone, Neo, Airtel Co-branded RuPay Cards.
  • Notable Launch: Numberless Fibe RuPay Credit Card (October 2023), Kiwi,

5. ICICI Bank​

  • Available Cards: Coral, HPCL SuperSaver, Rubyx, ICICI MakeMyTrip RuPay (MakeMyTrip is Dual Card, you will get 2 cards: 1 Mastercard + 1 RuPay) and ICICI Sapphiro RuPay Credit Card

6. Yes Bank​

  • Available Cards: ACE, Reserv, Virtual Only Rupay
  • Co-brand Cards:
    • POP-CLUB RuPay Credit Card,
    • Klick RuPay Credit Card (Klick is also Kiwi Credit Card),
    • Anq Pi RuPay Credit Card,
    • RIO RuPay Credit Card,
    • FREO RuPay Credit Card,
    • FinBooster RuPay Credit Card,
    • Paisabazaar Paisasave RuPay Credit Card

7. Federal Bank​

  • Available Cards: Signet RuPay JCB Credit Card, Federal WAVE RuPay JCB.

8. Kotak Bank​

  • Available Cards: Veer Platinum, Veer Select, Myntra, League, Mojo.
  • Urbane Gold, METRO Wholesale, IndianOil, Virtual Only

9. PNB (Punjab National Bank)​

  • Available Cards: PNB RuPay Millennial, RuPay Platinum, RuPay Select, RuPay Rakshak Platinum, RuPay Rakshak Select, RuPay Patanjali Platinum and RuPay Patanjali Select, Easemytrip RuPay Credit Cards.

10. IDBI Bank​

  • Available Cards: IDBI bank RuPay Winnings Credit Card, RuPay LIC 'Lumine' Platinum Credit Card and RuPay LIC 'Eclat' Select credit cards.

11. Union Bank​

  • Available Cards: Union Bank RuPay 'Uni Carbon' HPCL Credit Card, RuPay Platinum, RuPay Select, 'Divaa' Women RuPay Platinum, RuPay JCB HEALTH Platinum and RuPay JCB Select credit cards

12. AU Small Finance Bank​

  • Available Cards: Business Cashback, IXIGO Co-branded RuPay Cards, Virtual Only, Spont.
  • Update 11th, December, 2024: Now all AU bank Credit Cards live on RuPay including AU LIT, Vetta, Zenith, AU Zenith+ RuPay Credit Card etc

13. IndusInd Bank​

  • Available Cards: eSvarna Corporate, Rupay Platinum, Samman RuPay Credit Cards.

14. RBL Bank​

  • Available Cards: Shoprite RuPay Credit Card, RBL IRCTC, RBL IOCL, RBL XTRA IOCL, RBL SalarySe UP RuPay, RBL Bank Patanjali Swarn, RBL Bank Patanjali Vishisht, TVS Credit RBL Bank Credit Card, TVS Credit RBL Bank Gold Credit Card.
15. IDFC Bank
  • Available Cards: First Power, First Power+, First Earn, Virtual Only

16. Other Banks (Rupay Platinum Credit Cards)​

  • Saraswat Bank
  • Bank of Maharashtra
  • Indian Overseas Bank
    • RuPay classic, RuPay Platinum and RuPay Select Credit card
  • Indian Bank
    • RuPay Platinum, RuPay Select and RuPay Business Credit card
  • City Union Bank
  • DBS Bank
  • SBM bank
    • Paisa bazaar RuPay Select co-branded credit card and Gild RuPay Select co-branded credit card
    • Kredit.pe SBM Bank RuPay Credit Card, Mobikwik SBM Bank RuPay Credit Card
  • Central Bank of India
    • Cent Merchant RuPay Credit Card
  • Bank of India-
    • SwaDhan RuPay Platinum and RuPay Platinum credit card
    • RuPay Platinum, RuPay Bharat Platinum and RuPay Select Credit Card
  • Canara Bank - RuPay Platinum and RuPay Select credit card
  • Nainital Bank
  • Panjab & Sindh Bank
    • TMB Bank launch 2 New 'Wings' and 'Phoenix' RuPay Credit Cards
  • OneCard
  • Jupiter
  • Freo
  • Utkarsh Small Finance Bank - SmartGen RuPay Credit Card and SuperMoney app SuperCard RuPay Credit Card.

How to Switch from Visa/Mastercard to RuPay​

Each bank offers straightforward processes to switch to RuPay:

Final Notes​

  1. RuPay cards are on par with Visa/Mastercard in terms of offers and features.
  2. Newly launched RuPay cards might not immediately qualify for e-commerce offers—contact the bank for updates (Everything starts working perfectly after a few months).
  3. RuPay's partnerships ensure seamless international acceptance.
 
Last edited:
Apply For LTF AU LIT Credit Card
Sreerag said:
Ok thanks.



Anyways if used outside the Dubai Mall discover and jcb comes into play...

Only for Dubai Mall it's rupay correct me if I'm WRONG
Click to expand...
I will share another interesting fact but first talk about RuPay card acceptance in UAE -

Another person shared this image, RuPay card accept in Aster hospital in Dubai.

Slowly, all UAE merchants will accept RuPay cards.

Note - Officially, its called RuPay Domestic cards because we paid in INR currency in Dubai.

gyh3hmo.jpg

Also this merchants already announced to accept RuPay cards -

KT21277824.jpg


@HyperBeast
 
@Sreerag @HyperBeast

Interesting fact -

Note - RuPay Global network currently available in UAE, Bahrain, Nepal, Singapore, Bhutan.

Now the interesting fact. Its possible your RuPay co-branded global cards with Discover and JCB card network will not accept in some merchants in UAE, Bahrain, Nepal, Singapore, Bhutan but your RuPay domestic cards (those cards written "valid only in India") will accept all merchants in UAE, Bahrain, Nepal, Singapore, Bhutan.

Reason - Outside India, your RuPay cobranded global cards are Discover and JCB card, If any merchant is not accept Discover and JCB network card then your transaction will get declined but if same merchant accept RuPay cards then your RuPay domestic cards will work.

Here few examples -

Read this news - "Currently, all variants of RuPay card is accepted in Nepal SBI Bank PoS machines whereas global variant of RuPay is accepted in Nepal SBI Bank ATM terminals".

Source - https://thehimalayantimes.com/business/use-of-rupay-card-in-nepal-sbi-atms-pos

Since, Discover and JCB dnt have any partnership with Nepal SBI Bank that's why global variant of RuPay card is not accepted (ofcourse, its also possible RuPay Global variant will accept in future after negotiate with Discover and JCB card network, if they agree).

Another, example here Singapore's NETS - https://www.nets.com.sg/faqs/business/accept-foreign-cards-and-payments/

Currently, only 5 Indian bank issuing RuPay domestic cards are accept in Singapore merchants.

NPCI official told many times, RuPay domestic cards will accept in Singapore.

sdrer.jpg

Now if you want to know which cards are RuPay domestic cards -

Any RuPay card number start with 508, 60, 81, 82 BIN numbers are domestic cards.

RuPay Global cards are start with 65 (Discover/Diners club variant) and 35 (JCB Variant).

RuPay domestic cards also accept in other countries, so dnt get confused with the name.
 
Abhishek012 said:
@Sreerag @HyperBeast

Interesting fact -

Note - RuPay Global network currently available in UAE, Bahrain, Nepal, Singapore, Bhutan.

Now the interesting fact. Its possible your RuPay co-branded global cards with Discover and JCB card network will not accept in some merchants in UAE, Bahrain, Nepal, Singapore, Bhutan but your RuPay domestic cards (those cards written "valid only in India") will accept all merchants in UAE, Bahrain, Nepal, Singapore, Bhutan.

Reason - Outside India, your RuPay cobranded global cards are Discover and JCB card, If any merchant is not accept Discover and JCB network card then your transaction will get declined but if same merchant accept RuPay cards then your RuPay domestic cards will work.

Here few examples -

Read this news - "Currently, all variants of RuPay card is accepted in Nepal SBI Bank PoS machines whereas global variant of RuPay is accepted in Nepal SBI Bank ATM terminals".

Source - https://thehimalayantimes.com/business/use-of-rupay-card-in-nepal-sbi-atms-pos

Since, Discover and JCB dnt have any partnership with Nepal SBI Bank that's why global variant of RuPay card is not accepted (ofcourse, its also possible RuPay Global variant will accept in future after negotiate with Discover and JCB card network, if they agree).

Another, example here Singapore's NETS - https://www.nets.com.sg/faqs/business/accept-foreign-cards-and-payments/

Currently, only 5 Indian bank issuing RuPay domestic cards are accept in Singapore merchants.

NPCI official told many times, RuPay domestic cards will accept in Singapore.

Now if you want to know which cards are RuPay domestic cards -

Any RuPay card number start with 508, 60, 81, 82 BIN numbers are domestic cards.

RuPay Global cards are start with 65 (Discover/Diners club variant) and 35 (JCB Variant).

RuPay domestic cards also accept in other countries, so dnt get confused with the name.
Click to expand...
When i swiped BOB Premier card (JCB) on one of the local merchant with newer POS machine, the swipe machine asked me to choose the network (Domestic / JCB)
 
cmg said:
When i swiped BOB Premier card (JCB) on one of the local merchant with newer POS machine, the swipe machine asked me to choose the network (Domestic / JCB)
Click to expand...
Yes, some merchants also accept both network and ask to select which network you want to use.

Domestic network (RuPay) will debit INR currency. which network you choose ?
 
Abhishek012 said:
@Sreerag @HyperBeast

Interesting fact -

Note - RuPay Global network currently available in UAE, Bahrain, Nepal, Singapore, Bhutan.

Now the interesting fact. Its possible your RuPay co-branded global cards with Discover and JCB card network will not accept in some merchants in UAE, Bahrain, Nepal, Singapore, Bhutan but your RuPay domestic cards (those cards written "valid only in India") will accept all merchants in UAE, Bahrain, Nepal, Singapore, Bhutan.

Reason - Outside India, your RuPay cobranded global cards are Discover and JCB card, If any merchant is not accept Discover and JCB network card then your transaction will get declined but if same merchant accept RuPay cards then your RuPay domestic cards will work.

Here few examples -

Read this news - "Currently, all variants of RuPay card is accepted in Nepal SBI Bank PoS machines whereas global variant of RuPay is accepted in Nepal SBI Bank ATM terminals".

Source - https://thehimalayantimes.com/business/use-of-rupay-card-in-nepal-sbi-atms-pos

Since, Discover and JCB dnt have any partnership with Nepal SBI Bank that's why global variant of RuPay card is not accepted (ofcourse, its also possible RuPay Global variant will accept in future after negotiate with Discover and JCB card network, if they agree).

Another, example here Singapore's NETS - https://www.nets.com.sg/faqs/business/accept-foreign-cards-and-payments/

Currently, only 5 Indian bank issuing RuPay domestic cards are accept in Singapore merchants.

NPCI official told many times, RuPay domestic cards will accept in Singapore.

View attachment 4482

Now if you want to know which cards are RuPay domestic cards -

Any RuPay card number start with 508, 60, 81, 82 BIN numbers are domestic cards.

RuPay Global cards are start with 65 (Discover/Diners club variant) and 35 (JCB Variant).

RuPay domestic cards also accept in other countries, so dnt get confused with the name.
Click to expand...
So using rupay card internationally will give us a direct value of the currency without any charges?

And what about UPI, government is also planning to make UPI globally accepted just like Rupay, so how will that work??
 
HyperBeast said:
So using rupay card internationally will give us a direct value of the currency without any charges?

And what about UPI, government is also planning to make UPI globally accepted just like Rupay, so how will that work??
Click to expand...
Yes but i saw RuPay circular where mentioned 1.18% maximum currency conversation charges (INR to Singapore dollar) but i think its also depend on banks and card variant too.

UPI also work same way, many International website now accept UPI, website payment page showing international currency but your UPI apps will showing INR currency, before pay. Same way International offline QR payment also showing INR currency in your UPI apps, before pay.

I also found one web hosting international website. Can't remember the website name. This website also accept RuPay card.

Payment gateway otp page showing US dollar but otp sms i receive on my phone, INR currency amount showing.

Currency conversion rate showing exact same amount i found on google search "US dollar = INR". Infact a few pennies less than a google search result.
 
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