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Best Rupay credit cards

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hellowo₹ld

hellowo₹ld

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Engaged Contributor
Card NameUPI/Regular RewardsAccelarated BenefitsAdditional BenefitsUPI App
Axis MyZone RuPay Credit Card--24% Swiggy Food
B1G1 (upto 200) District*		-
Airtel Axis Bank RuPay Credit Card1% UPIAirtel Axis
7% Utility Bills, 25% Airtel Bills		10% Swiggy, Zomato, BBAny app
Axis NEO RuPay Credit Card-5% Utility Bills24% Zomato Food-
SNAPDEAL RuPay BOBCARD1% UPI--Any app
Tata Neu Plus HDFC Bank Credit Card1% UPI2% Tata Brands
5% Tataneu App Spends		-Tataneu App
HDFC MoneyBack+ RuPay Credit Card-3.33% FK, BB, Swiggy
5% Smartbuy		1% Quarterly Milestone-
BOBCARD Eterna RuPay Credit Card-3.75% Online ShoppingB1G1 (upto 250) District*-
Tata Neu Infinity HDFC Bank Credit Card1.5% UPI5% Tata Brands
5% Tataneu App Spends		-Tataneu App
BOBCARD Tiara RuPay Credit Card-3.75% Online ShoppingRupay Select Credit Card-
YES BANK Reserv Credit Card-YES Reserv
0.9%-6%		25% BMS-
Millennia RuPay HDFC Credit Card1% UPI5% Amazon, FK, BB, Swiggy
5% Smartbuy		1% Quarterly Milestone-
PhonePe Select Black SBI Credit Card1% UPI10% PhonePe Bills
5% Online Spends		-PhonePe App
HSBC Rupay Cashback1% UPI10% Grocery, Food-Any App
Uni GoldX1% UPI--Any App
 
Last edited:
Apply For LTF IndusInd Bajaj Tiger Credit Card
Upvote 0 Downvote
helloworld said:
Requirements:
- must work without min. 2000
- should be same reward rate using any app (not necessarily their app).
- must give reward points on grocery, on road eatable stalls.
- atleast 1% reward rate or cashback.

I'm not tracking much these cards but if any do let me know. TIA

@Abhishek012

Note:

Eterna: 0 points 95% for my spends on those categories, same will apply snapdeal.

Tatanue: Unreliable app outside with struggle to open, inconvenient RP split between HDFC and Their and have to use their app only.
Click to expand...
without hassle to fir axis airtel rupay cc dekho bhai apke preapproved aa raha hai ya nahi. 1% without capping abhi ussi me hai.
Recently i even tried to switch my airtel axis mc variant to rupay, but i got this reply from axis bank.
1743651817279.webp
Will try to switch in July 2025. Tab tak indusind rupay platinum at 0.70% is also good without any hassles.
 
Hemang said:
without hassle to fir axis airtel rupay cc dekho bhai apke preapproved aa raha hai ya nahi. 1% without capping abhi ussi me hai.
Recently i even tried to switch my airtel axis mc variant to rupay, but i got this reply from axis bank.
View attachment 89030
Will try to switch in July 2025. Tab tak indusind rupay platinum at 0.70% is also good without any hassles.
Click to expand...

Yes, problem with airtl it has to be offered in rupay, 🪓 support not easy to provide card as per our required variant and saying same as you got the response.

Anyway, thanks! I forgot about this card in rupay, will check.
 
helloworld said:
Yes, problem with airtl it has to be offered in rupay, 🪓 support not easy to provide card as per our required variant and saying same as you got the response.

Anyway, thanks! I forgot about this card in rupay, will check.
Click to expand...
Have u checked au rupay floater card for 1%. Or I think if u able to convert au lit to rupay then it would be best for u. Let me know after u find something useful on this.
 
Apply For LTF Scepia Credit Card
@helloworld
Dont know why you're discounting BOB SD Rupay as its only devaluation which was damaging was that no RPs are provided for transactions less than ₹100. Earlier they were.
Another underrated and mocked CC, but actually pretty decent is IndusInd Samman, but its for Govt employees only. 1% cashback on total spends. No minimum transaction nautanki.

I hold BoB SD
Indusind Platinum
Indusind Samman add on
Axis Airtel Rupay
SBI Octane Rupay for Grocery merchants
 
helloworld said:
Looking for a RuPay card that meets the following requirements:
  • Must work without a minimum spend of ₹2000
  • Should have the same reward rate across different apps (not just the issuer’s app)
  • Must earn reward points on grocery purchases and roadside eating places
  • At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and pharmacy)

Note:
  • Eterna: 0 points for 95% of my spending in these categories, same applies to Snapdeal
  • Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.
@Abhishek012
Click to expand...
ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%
 
Last edited:
brightknight said:
AU

AU zenith h, any rupay from AU possible? also got declined for Kiwi & already have tata Infinity so looking for another Rupay rewarding acrd.
Click to expand...
All, AU Credit Card now available on RuPay variant.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​


AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​


Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...
  • Like
  • Hehe
  • Lovely
 
Abhishek012 said:
All, AU Credit Card now available on RuPay variant.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​


AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​


Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...
  • Like
  • Hehe
  • Lovely
Click to expand...
so conversion possible? have visa Zenith
 
Ra.One said:
@helloworld
Dont know why you're discounting BOB SD Rupay as its only devaluation which was damaging was that no RPs are provided for transactions less than ₹100. Earlier they were.
Another underrated and mocked CC, but actually pretty decent is IndusInd Samman, but its for Govt employees only. 1% cashback on total spends. No minimum transaction nautanki.

I hold BoB SD
Indusind Platinum
Indusind Samman add on
Axis Airtel Rupay
SBI Octane Rupay for Grocery merchants
Click to expand...

Snapdeal and Eterna (and all bob cards) - no reward points for grocery, food stalls mccs.

Let me know 2025 this working for these categories. Thanks!
 
Apply For LTF Axis Bank Credit Card
helloworld said:
AU Zenith+ in Rupay? Will drop a mail to them.
Click to expand...
All AU Bank Credit cards available on RuPay

AU bank not allowed card network conversion, only new users can apply RuPay network or old users can conversion during card renewable time.

but no harm to try.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​


AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​


Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...
  • Like
  • Hehe
  • Lovely
 
creditguru said:
ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%
Click to expand...
As far as I know, it's 0.50% for Coral (for selected MCC, it's 0.25%). Do not know if they have changed anything recently. (edited after verification)

Savings & Rewards - ICICI Bank Coral Credit Card

Enjoy unlimited cash rewards and earn payback points with our Coral credit card. Also discover how your ICICI Bank Coral Credit Card can deliver savings of ₹ 18,400 every year.
www.icicibank.com www.icicibank.com
 
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