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

[Abhishek012]

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.

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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
• Upcoming: BOB TIARA RuPay

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 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).

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
• Central Bank of India
  • Cent Merchant RuPay Credit Card
  • SwaDhan RuPay Platinum and RuPay Platinum credit card
• Canara Bank
• Nainital Bank
• Panjab & Sindh Bank
  • TMB Bank launch 2 New 'Wings' and 'Phoenix' RuPay Credit Cards
• OneCard
• Jupiter
• Freo

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How to Switch from Visa/Mastercard to RuPay​

Each bank offers straightforward processes to switch to RuPay:

• HDFC Bank: Email customerservices.cards@hdfcbank.com.
• Bank of Baroda: Email conversions@bobfinancial.com.
• SBI Card: Call customer care for assistance.
• Other banks have similar procedures; contact their respective customer service for details.

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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.

 

[alanabraham]

Are you want to compare between RuPay Platinum Vs RuPay Select Wellness or RuPay JCB Vs RuPay Diners club ?

Union Bank of India Rupay JCB Platinum debit card vs Union Bank of India Rupay Diners Select Debit card.

 

[Abhishek012]

Union Bank of India Rupay JCB Platinum debit card vs Union Bank of India Rupay Diners Select Debit card.

Ok, first i compare Union bank RuPay Platinum Vs Union bank RuPay 'Select Wellness' debit card and then JCB Vs Discover/Diners.

Union bank RuPay Platinum is a 'Premium' debit card and RuPay 'Select Wellness' debit card is a 'Super Premium' debit card.

Union bank RuPay Platinum offer 20% upto 100 Amazon add money offer per month and 20% upto 100 Swiggy food order offer per month on fridays, Domestic Airport lounge access also available.

Union bank RuPay 'Select Wellness' offer free Gym access, Spa services, Golf program, Health Check Up etc, register here - https://www.rupay.co.in/select-booking

Domestic Airport lounge access also available on Union bank RuPay 'Select Wellness' debit card but you will get 4 new lounge access on 4 new cities, only for RuPay Select card holders, all list here - https://www.npci.org.in/PDF/npci/ru...Lounges-under-RuPay-Lounge-Access-Program.pdf

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Now RuPay JCB Vs RuPay Discover/Diners offer -

Outside India, you card is JCB card or Discover/Diners club card

You will get Free JCB Plaza, JCB In-City lounge access in selected cities, list here - https://www.global.jcb/en/consumers/travel/plaza/




Union bank JCB Platinum debit card also offer International lounge access and unlimited lounge access in selected countries -




Airport LoungeKey™ Services also available for RuPay JCB Platinum debit card holders but currently registration not working using Union bank RuPay JCB Platinum debit card, I already complaint on RuPay support, they told me they will soon update about more details on LoungeKey™ Services (currently im not sure this card is eligible for LoungeKey services or not) - https://www.global.jcb/en/consumers/platinum/airport-lounge/

Special JCB Platinum Golf Benefits - https://www.global.jcb/en/consumers/platinum/golf-benefits/​

Hawaii Waikiki Trolley for Free - https://www.global.jcb/en/consumers/travel/waikiki-trolley/

You can ride Hawaii's Waikiki Trolley Pink Line for free by simply showing your JCB card.



JCB GLOBAL WiFi - https://www.global.jcb/en/consumers/travel/welcome-to-japan/global-wifi/

Free WiFi and SIM card are not the items that make you much satisfied.
JCB GLOBAL WiFi is portable WiFi router rental service that enable you to stay connected any time and any place in Japan.


Special offers only for Japan - https://www.global.jcb/en/consumers/travel/welcome-to-japan/#a1

Worldwide International JCB Card Special Offers! -

JCB Special Offers

JCB Special Offers is an information site for JCB card members. It contains a lot of special shopping, dining, and entertainment information.

www.specialoffers.jcb

Search Country name and get all JCB Card Duty Free Store, Hotel, Mall, Travel, Entertainment offers.

JCB Platinum Universal Studios Japan JCB LOUNGE -

lounge.reservation.jcb

The Universal Studios Japan JCB LOUNGE is located in The Flying Dinosaur attraction in Universal Studios Japan Jurassic Park, and offers priority access to the attraction.
Be sure to drop by and make the JCB Lounge part of your adventure at Universal Studios Japan.


Special Europe offer as well as tax-free shopping -

JCB Offer | The Bicester Collection

The Bicester Village Shopping Collection: An Unforgettable Shopping Experience -

Campaign Overview -

Please click following link to see the exclusive benefits all JCB cardmembers can enjoy at Bicester Village (UK), La Vallée Village (France), Las Rozas Village and La Roca Village (Spain), and Fidenza Village (Italy), as well as tax-free shopping if you are visiting from outside the EU.

JCB Card members can now enjoy the following exclusive benefits at any of the nine Villages within The Bicester Village Shopping Collection in Europe.

An eVIP Pass for a 10% saving on your purchases.

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RuPay - Discover/Diners club card -

You will get International Airport lounge access on all Diners club lounge airports - https://www.rupay.co.in/lounges

RuPay International offers, all International Diners club offers are also eligible on RuPay - Discover/Diners club card, all offer list here - https://www.rupay.co.in/rupay-international-offers

Note - RuPay - Diners club card, debit full amount on International Airport lounge access and then you will get full refund within 45 to 60 bank working days (only for International Airport lounge access).

 

[alanabraham]

@Abhishek012

Thanks for the detailed information provided. Appreciated. I have applied for Rupay JCB Platinum.

 

[Abhishek012]

Went to PNB branch just now ... So high demand for Rupay platinum that there is a shortage of Rupay cards now 🤣

Yesterday this person got PNB RuPay Platinum -

He told this card is currently Free from branch.

 

[Abhishek012]

@Abhishek012

Thanks for the detailed information provided. Appreciated. I have applied for Rupay JCB Platinum.

There is one small problem on this card (RuPay JCB debit card variant).

This JCB debit card variant is currently not working on Paytm, Mobikwik & Phonepe wallet load.

I mean payment gateway is supported, if i pay on any other merchants via Paytm, Mobikwik & Phonepe payment gateway then card is working but direct wallet load is not supported.

I already complaint to RuPay support team they replied "please be informed that that the issue has been taken up with the wallet service provider for resolution."

If you apply for this card for 20% upto 100 Amazon wallet load offer then go ahead. Otherwise wait for few months, i think soon Paytm, Mobikwik & Phonepe wallet will fix this problem.

 

[alanabraham]

There is one small problem on this card (RuPay JCB debit card variant).

This JCB debit card variant is currently not working on Paytm, Mobikwik & Phonepe wallet load.

I mean payment gateway is supported, if i pay on any other merchants via Paytm, Mobikwik & Phonepe payment gateway then card is working but direct wallet load is not supported.

I already complaint to RuPay support team they replied "please be informed that that the issue has been taken up with the wallet service provider for resolution."

If you apply for this card for 20% upto 100 Amazon wallet load offer then go ahead. Otherwise wait for few months, i think soon Paytm, Mobikwik & Phonepe wallet will fix this problem.

Actually I'm more interested on free International Lounge access program with this card. Select & Platinum have same number of free International lounge access. Right?
Also, select comes with diners, so no unlimited free International lounge access in China & Japan which is available by JCB Platinum. Am I correct?

NB- kindly update once you receive further information from them regarding the issue. Thanks.

 

[prc1990]

Yesterday this person got PNB RuPay Platinum -

He told this card is currently Free from branch.

RP DC from UBI (Now PNB).

 

[Abhishek012]

Actually I'm more interested on free International Lounge access program with this card. Select & Platinum have same number of free International lounge access. Right?
Also, select comes with diners, so no unlimited free International lounge access in China & Japan which is available by JCB Platinum. Am I correct?

NB- kindly update once you receive further information from them regarding the issue. Thanks.

Yes but Union bank JCB debit card lougnekey registration is currently not working.

JCB In-City Lounge Access and International Airport Lounge Access details are shared on the Union Bank JCB Card booklet and do not require LoungeKey registration.

 

[Abhishek012]

I forget to mentioned about this Union bank RuPay Combo card on my post -

Union Bank’s RuPay Combo Debit Cum Credit Card​

Union Bank’s RuPay Combo Debit Cum Credit Card is a Rupay International 2-in-1 card that allows cardholders to enjoy the convenience, flexibility and freedom to choose in a single physical card for the debit /credit transaction facility and they need not to carry two cards.

 

[Abhishek012]

Bigbasket - RuPay credit card offer renew this month - coupon "RUPAYCREDITJUNE" (15% upto 300 off)

Indigo offer for June month - 6E Rewards offer launch upto 20% 6E Rewards for RuPay debit/credit/prepaid cards (Indigo app) - https://www.rupay.co.in/rupay-offers/offer?id=501

 

[Abhishek012]

Today, one person told, HDFC bank told him HDFC "RuPay Regalia credit card" is available.

He also ask her RM to send a written mail RuPay Regalia credit card is available, She agree and he applied.

I will share more update, if he got HDFC RuPay Regalia credit card.

 

[BankExpertIndia]

Today I Received My Mothers Yes Prosperity Rewards Plus Card (LTF) With RuPay Platinum...

 

[Abhishek012]

Today I Received My Mothers Yes Prosperity Rewards Plus Card (LTF) With RuPay Platinum...

This card is also JCB variant card.

First activate International E-com payment and try here to register on Loungekey -

Home

www.loungekey.com

Let me know, your card is successfully registered or not.

*At the time of registration, US$3.25 is withdrawn from your account, but it is refunded later.
*At the time of Debit or Credit card is swiped for lounge access, US$1.00 is withdrawn from your account, but it is refunded later.​

 

[StanRoute66]

Ok, first i compare Union bank RuPay Platinum Vs Union bank RuPay 'Select Wellness' debit card and then JCB Vs Discover/Diners.

Union bank RuPay Platinum is a 'Premium' debit card and RuPay 'Select Wellness' debit card is a 'Super Premium' debit card.

Union bank RuPay Platinum offer 20% upto 100 Amazon add money offer per month and 20% upto 100 Swiggy food order offer per month on fridays, Domestic Airport lounge access also available.

Union bank RuPay 'Select Wellness' offer free Gym access, Spa services, Golf program, Health Check Up etc, register here - https://www.rupay.co.in/select-booking

Domestic Airport lounge access also available on Union bank RuPay 'Select Wellness' debit card but you will get 4 new lounge access on 4 new cities, only for RuPay Select card holders, all list here - https://www.npci.org.in/PDF/npci/ru...Lounges-under-RuPay-Lounge-Access-Program.pdf

-----------------------------------------------------------------------------------------------------------------------------------------

Now RuPay JCB Vs RuPay Discover/Diners offer -

Outside India, you card is JCB card or Discover/Diners club card

You will get Free JCB Plaza, JCB In-City lounge access in selected cities, list here - https://www.global.jcb/en/consumers/travel/plaza/

View attachment 1459
View attachment 1465

Union bank JCB Platinum debit card also offer International lounge access and unlimited lounge access in selected countries -

View attachment 1460
View attachment 1461

Airport LoungeKey™ Services also available for RuPay JCB Platinum debit card holders but currently registration not working using Union bank RuPay JCB Platinum debit card, I already complaint on RuPay support, they told me they will soon update about more details on LoungeKey™ Services (currently im not sure this card is eligible for LoungeKey services or not) - https://www.global.jcb/en/consumers/platinum/airport-lounge/

Special JCB Platinum Golf Benefits - https://www.global.jcb/en/consumers/platinum/golf-benefits/​

View attachment 1462

Hawaii Waikiki Trolley for Free - https://www.global.jcb/en/consumers/travel/waikiki-trolley/

You can ride Hawaii's Waikiki Trolley Pink Line for free by simply showing your JCB card.

View attachment 1463

JCB GLOBAL WiFi - https://www.global.jcb/en/consumers/travel/welcome-to-japan/global-wifi/

Free WiFi and SIM card are not the items that make you much satisfied.
JCB GLOBAL WiFi is portable WiFi router rental service that enable you to stay connected any time and any place in Japan.
View attachment 1464

Special offers only for Japan - https://www.global.jcb/en/consumers/travel/welcome-to-japan/#a1

Worldwide International JCB Card Special Offers! -

JCB Special Offers

JCB Special Offers is an information site for JCB card members. It contains a lot of special shopping, dining, and entertainment information.

www.specialoffers.jcb

Search Country name and get all JCB Card Duty Free Store, Hotel, Mall, Travel, Entertainment offers.

JCB Platinum Universal Studios Japan JCB LOUNGE -

lounge.reservation.jcb

The Universal Studios Japan JCB LOUNGE is located in The Flying Dinosaur attraction in Universal Studios Japan Jurassic Park, and offers priority access to the attraction.
Be sure to drop by and make the JCB Lounge part of your adventure at Universal Studios Japan.
View attachment 1466

Special Europe offer as well as tax-free shopping -

JCB Offer | The Bicester Collection

The Bicester Village Shopping Collection: An Unforgettable Shopping Experience -

Campaign Overview -

Please click following link to see the exclusive benefits all JCB cardmembers can enjoy at Bicester Village (UK), La Vallée Village (France), Las Rozas Village and La Roca Village (Spain), and Fidenza Village (Italy), as well as tax-free shopping if you are visiting from outside the EU.

JCB Card members can now enjoy the following exclusive benefits at any of the nine Villages within The Bicester Village Shopping Collection in Europe.

An eVIP Pass for a 10% saving on your purchases.

------------------------------------------------------------------------------------------------------------------------------------------------------

RuPay - Discover/Diners club card -

You will get International Airport lounge access on all Diners club lounge airports - https://www.rupay.co.in/lounges

RuPay International offers, all International Diners club offers are also eligible on RuPay - Discover/Diners club card, all offer list here - https://www.rupay.co.in/rupay-international-offers

Note - RuPay - Diners club card, debit full amount on International Airport lounge access and then you will get full refund within 45 to 60 bank working days (only for International Airport lounge access).

Can you provide a list of RuPay/JCB Platinum Debit Card which can be registered on Loungekey /jcb12/ site ?
We know . UBI , SBI JCB Platinum is not registering .

 

[BankExpertIndia]

This card is also JCB variant card.

First activate International E-com payment and try here to register on Loungekey -

Home

www.loungekey.com

Let me know, your card is successfully registered or not.

*At the time of registration, US$3.25 is withdrawn from your account, but it is refunded later.​

*At the time of Debit or Credit card is swiped for lounge access, US$1.00 is withdrawn from your account, but it is refunded later.​

Will The International Transaction Fees Will Be Applied... As Payments Is To Be Made In Dollars... It Has 3.40% + GST Of International Transaction Fees

 

[StanRoute66]

Will The International Transaction Fees Will Be Applied... As Payments Is To Be Made In Dollars... It Has 3.40% + GST Of International Transaction Fees

No , they wont charge any markup and GST Component .
and After 5 days , they reverse the verification charge .

 

[BankExpertIndia]

No , they wont charge any markup and GST Component .
and After 5 days , they reverse the verification charge .

Ok... Thanks!

 

[BankExpertIndia]

This card is also JCB variant card.

First activate International E-com payment and try here to register on Loungekey -

Home

www.loungekey.com

Let me know, your card is successfully registered or not.

*At the time of registration, US$3.25 is withdrawn from your account, but it is refunded later.​

*At the time of Debit or Credit card is swiped for lounge access, US$1.00 is withdrawn from your account, but it is refunded later.​

My Account Is Not Created But USD 3.25 Is Debited & I Have Tried It Twice So $3.25*2 = $6.50 Is Debited But It's Showing That My Account Is Not Created (Says Invalid Registration Token)

 

[alanabraham]

Today received Union Bank of India JCB Rupay Platinum Debit Card. Offer brochure enclosed for those who are interested.

 

[prc1990]

Yes and dnt forget to mentioned the code code i shared.
See their computer and ask them to search and select anyone of the card with code -
SBI RuPay Domestic Platinum debit card - code: "REP"
RuPay-DFS IndianOIL Platinum Global debit card - code: "IRP"
RuPay JCB Platinum Global debit card - code: “RPJ”

All 3 SBI RuPay Platinum debit card image uploaded, see as per your requirement and apply. If you want to apply for 20% Amazon Add Money discount offer then all 3 cards are eligible.

Submitted form to issue RP DC. Some of the highlights are listed below:

1. Bank Manager told he can't confirm if this card can be issued for my account unless checking in the system

2. He told he can't check right now and this can be checked only after closing the existing card

3. There are 42 different codes available. If RP can't be issued, another card of the existing card variant would be issued

4. As per him customer care doesn't even know the "B" of Banking (which I feel is somewhat true) but in my mind I was also thinking you guys also more and less are same.