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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

TF Pioneer
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
  • 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

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
AsishB said:
Some guy in YouTube told me that SBI RuPay cards are not eligible for offers in Amazon pay and all. The 10% discount applicable for SBI Credit Cards are NOT applicable for RuPay variants. They are only for VISA/Mastercard.

Can anyone confirm?
Click to expand...
This is not 100% true.

Old SBI IRCTC RuPay and SBI RuPay Shaurya credit cards working on all 10% discount offers.

Newly launch SBI BPCL RuPay credit card and other newly launch all SBI RuPay Credit cards within a last few months, all this cards are not working on 10% discount offers.

I think this cards are not updated on SBI system yet. You need to complaint or wait few more months.
 
anirbanm said:
Maybe because of bin numbers
Click to expand...
@AsishB
Yes, new BIN numbers are not updated on SBI CC offers, It will take few months time, sometimes more than 6 months but if you complaint to SBI customer support then they will solve within a next few months.

I already mentioned in my post -

"Any offers given by banks are also applicable on your RuPay credit cards too like Axis, HDFC, ICICI, SBI CARD, BOB etc 10% discount offers on Amazon and Flipkart or other e-commerce websites (Ofcourse sometimes newly launch RuPay card is not eligible for e-commerce discount offers but that doesn't mean banks discrimination between Visa/mastercard vs RuPay. It simply meaning your card is new, bank systems are not updated, wait for few months or complaint to banks they will soon fix it. In fact, newly launch Yes bank Visa & RuPay both credit cards and few months back one person told Axis Magnus Visa Credit card is not working on e-com discount offers). So i hope it's clear. All bank offers are eligible on RuPay credit cards too."
 
Abhishek012 said:
@AsishB
Yes, new BIN numbers are not updated on SBI CC offers, It will take few months time, sometimes more than 6 months but if you complaint to SBI customer support then they will solve within a next few months.

I already mentioned in my post -

"Any offers given by banks are also applicable on your RuPay credit cards too like Axis, HDFC, ICICI, SBI CARD, BOB etc 10% discount offers on Amazon and Flipkart or other e-commerce websites (Ofcourse sometimes newly launch RuPay card is not eligible for e-commerce discount offers but that doesn't mean banks discrimination between Visa/mastercard vs RuPay. It simply meaning your card is new, bank systems are not updated, wait for few months or complaint to banks they will soon fix it. In fact, newly launch Yes bank Visa & RuPay both credit cards and few months back one person told Axis Magnus Visa Credit card is not working on e-com discount offers). So i hope it's clear. All bank offers are eligible on RuPay credit cards too."
Click to expand...
What about SBI Simply Save card in RuPay platform? Do I need to wait for a few months for this one as well?
 
Last edited:
Deal_Freak said:
I have been recently issued SBI SimplySave credit card in VISA platform. I also wanted it on RuPay network but since the card is new in RuPay, I will wait for few more months for card network conversion as I do not want to miss 10% instant discount offers on Amazon/Flipkart.
Click to expand...
One person already received SBI SimplySAVE RuPay credit card, i will ask him BIN number and i will check Amazon & Flipkart 10% discount offer working or not.
 
Abhishek012 said:
One person already received SBI SimplySAVE RuPay credit card, i will ask him BIN number and i will check Amazon & Flipkart 10% discount offer working or not.
Click to expand...
@AsishB @Deal_Freak

Hi, He shared SBI RuPay SimplySAVE BIN number is 652902

10% Discount working on SimplySAVE card, infact SBI RuPay BPCL also working on Amazon discount (Last month i checked SBI BPCL RuPay CC was not working on Amazon discounts but today working).

I tried on currently running 10% upto 1500 off on LED TVs, Amazon-SBI CC offer (offer valid till 17th June).

You can also try this trick to check offer working or not, SBI RuPay SimplySAVE BIN number - 652902, credit card companies use NUM10 Algorithm.

Amazon card enter page, Enter - 652902xxxxxxxx00
652902xxxxxxxx01
652902xxxxxxxx02
652902xxxxxxxx03
652902xxxxxxxx04 etc

XXXX - enter any numbers and just change last digits, one by one 0 to 9. 😀😀

Any SBI CC offer running on Flipkart ? i will check on Flipkart too and inform you.

1655483136542.png
 
Abhishek012 said:
@AsishB @Deal_Freak

Hi, He shared SBI RuPay SimplySAVE BIN number is 652902

10% Discount working on SimplySAVE card, infact SBI RuPay BPCL also working on Amazon discount (Last month i checked SBI BPCL RuPay CC was not working on Amazon discounts but today working).

I tried on currently running 10% upto 1500 off on LED TVs, Amazon-SBI CC offer (offer valid till 17th June).

You can also try this trick to check offer working or not, SBI RuPay SimplySAVE BIN number - 652902, credit card companies use NUM10 Algorithm.

Amazon card enter page, Enter - 652902xxxxxxxx00
652902xxxxxxxx01
652902xxxxxxxx02
652902xxxxxxxx03
652902xxxxxxxx04 etc

XXXX - enter any numbers and just change last digits, one by one 0 to 9. 😀😀

Any SBI CC offer running on Flipkart ? i will check on Flipkart too and inform you.

View attachment 1854
Click to expand...
Great info bro keep it up 👍
 
Apply For LTF HDFC Swiggy Credit Card
Abhishek012 said:
@AsishB @Deal_Freak

Hi, He shared SBI RuPay SimplySAVE BIN number is 652902

10% Discount working on SimplySAVE card, infact SBI RuPay BPCL also working on Amazon discount (Last month i checked SBI BPCL RuPay CC was not working on Amazon discounts but today working).

I tried on currently running 10% upto 1500 off on LED TVs, Amazon-SBI CC offer (offer valid till 17th June).

You can also try this trick to check offer working or not, SBI RuPay SimplySAVE BIN number - 652902, credit card companies use NUM10 Algorithm.

Amazon card enter page, Enter - 652902xxxxxxxx00
652902xxxxxxxx01
652902xxxxxxxx02
652902xxxxxxxx03
652902xxxxxxxx04 etc

XXXX - enter any numbers and just change last digits, one by one 0 to 9. 😀😀

Any SBI CC offer running on Flipkart ? i will check on Flipkart too and inform you.

View attachment 1854
Click to expand...
Thank You so much !! I will apply for this card soon
 
New bank launch RuPay Credit card -

22) Nainital Bank - Nainital bank launch RuPay Contactless Credit card, partner with BOB bank.

This is co-branded RuPay Contactless credit card with BOB bank. You will get same benefit, you get on BOB Easy credit card.

Card holders of Nainital Bank, apply for this card.
 
prc1990 said:
Aisa Bank ka nam pehli bar sun raha hu 😐.
Click to expand...
India me 1200 se bhi jada banks ha.

Visa/mastercard bas 80 se 100 banks he shayad issue krte hoga but RuPay card approx saare banks karta ha issue.

last year he padha tha, RuPay ne 1000+ banks me e-com enabled kiya debit card par aur 1200 se bhi jada bank RuPay debit card ab issue karne laga ha.

RuPay card chote chote banks, technology service provider k sath deal karta ha, unhe saare technology provide karta ha.

Taki woh bhi digital India ka part bann sake. Zeta, YPay etc jaise technology service provider ko suruwati dino me NPCI, RuPay ka bohot support mila, tab ja kar aaj Zeta jaisi Indian companies Visa, mastercard, Amex, HDFC jaise bade companies or banks k sath deal kar pa raha ha aur Internationally expand bhi kar raha ha, kuch months pahele ka he news ha mastercard ne Zeta pe invest kiya apne Credit card expand k liye.

Initial days me NPCI/RuPay ka bohot bada support raheta ha, saare Indian startups or banks ko. Aur yehi reason ha ki RuPay k pas time nahi raheta ki woh bade bade banks pe jada focus kar sake.
 
Last edited:
yolofino said:
@Abhishek012 I have HDFC Regalia credit card on Visa platform, can it be changed to Rupay platform?
Click to expand...
Try it but 0.01% chance you will get on RuPay Platform. No harm to try.

2 NPCI employees told me, this Regalia, Millennia credit cards are live on RuPay but it is decided by the banks when they will issue this card to the customers.
 
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Abhishek012 said:
Try it but 0.01% chance you will get on RuPay Platform. No harm to try.

2 NPCI employees told me, this Regalia, Millennia credit cards are live on RuPay but it is decided by the banks when they will issue this card to the customers.
Click to expand...
Do banks have to register all their credit card variants, they wish to bring to RuPay platform in NPCI?
 
AsishB said:
Do banks have to register all their credit card variants, they wish to bring to RuPay platform in NPCI?
Click to expand...
Yes. Currently banks are not interested to issue Super Premium or any other higher cashback/rewards credit cards on RuPay Platform except Co-Branded cards.

First banks launch low rewards credit cards and co-branded cards on RuPay, Once banks get enough profit from RuPay Credit card issuing customers.

Banks will start issuing Super Premium Credit cards on RuPay.

Currently, NPCI/RuPay is non-profit company, RuPay's current plan is network expansion, acceptance and develop VAS services (EMI, AutoPay, Quick checkout like features etc) and also migrate all banks to BEPG to improve e-com success rate.

Once all technology will developed within next few years, NPCI will hive off RuPay as a for-profit company (Same way before 2008 Visa/mastercard was a non-profit company, Visa/mastercard launch all Super premium and Ultra premium cards after company convert into for-profit company and listed on US Share market).

HDFC, ICICI, SBI, AXIS, HSBC & other PSU banks, they are the owner of RuPay card, Once RuPay will turn into for-profit company, these banks will getting quarterly dividend from RuPay and issuing more RuPay cards means more profits for these banks.
 
Abhishek012 said:
Yes. Currently banks are not interested to issue Super Premium or any other higher cashback/rewards credit cards on RuPay Platform except Co-Branded cards.

First banks launch low rewards credit cards and co-branded cards on RuPay, Once banks get enough profit from RuPay Credit card issuing customers.

Banks will start issuing Super Premium Credit cards on RuPay.

Currently, NPCI/RuPay is non-profit company, RuPay's current plan is network expansion, acceptance and develop VAS services (EMI, AutoPay, Quick checkout like features etc) and also migrate all banks to BEPG to improve e-com success rate.

Once all technology will developed within next few years, NPCI will hive off RuPay as a for-profit company (Same way before 2008 Visa/mastercard was a non-profit company, Visa/mastercard launch all Super premium and Ultra premium cards after company convert into for-profit company and listed on US Share market).

HDFC, ICICI, SBI, AXIS, HSBC & other PSU banks, they are the owner of RuPay card, Once RuPay will turn into for-profit company, these banks will getting quarterly dividend from RuPay and issuing more RuPay cards means more profits for these banks.
Click to expand...
Hmm. In my opinion, NPCI should de-tach RuPay from its umbrella, project it as a Public Company, be the highest owner of shares, and look to making profits after a few months, or may be within 3-5 years.
 
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