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

Apply For Lifetime Free IDFC First Credit Card
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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
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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
Guys, does anyone know the procedure to apply for LIC Eclat card here? I have been trying to get in touch with LIC Cards' customer care number (which remains busy forever) and their email address, however I haven't gotten any response from their side yet. It seems these folks are not at all interested in selling this card.
 
mukundstud said:
Just sharing my thoughts on Rupay Cards.

Though I am happy overall by getting a Rupay Credit card from BoB, today I faced a big disappointment when I was trying to use my Rupay CC online. I was trying to book flight tickets on 'Cleartrip' today, to avail 20% discount on flights using BoB CC offer. To my shock, I found out that Cleartrip does NOT accept Rupay cards as payment method!! Because of this, I had pick another bank offer, settling with 12% discount. I also remember an incidence when I was trying to buy some Tea from GTAC's Tea Lounge in Guwahati, I saw its POS declining Rupay cards as payment method.

I am shocked to know that our own payment network does not work in the sites and POSs of our own country. A payment network can give attractive many offers. But in the end, it has to work on the basic things expected from it, one of which is acceptability. I am not expecting worldwide acceptance of Rupay Cards(though I have a great desire that it may be accepted worldwide), but I at least expect nationwide acceptance of them. I cannot roam with my pocket having only a Rupay card inside it. I have to carry a VISA card as a backup. Either Rupay should work with merchants and banks to enable near 100% acceptability, like VISA and Mastercard, or the Govt. should itself pass a mandate to force banks and merchants to accept Rupay cards, if they are accepting other payment networks. I don't think that there would be a loss to any stakeholder due to this mandate.
Click to expand...
Good Update: BOB Premier Rupay Credit Cards are now working on Cleartrip.😄
 
bidge said:
Guys, does anyone know the procedure to apply for LIC Eclat card here? I have been trying to get in touch with LIC Cards' customer care number (which remains busy forever) and their email address, however I haven't gotten any response from their side yet. It seems these folks are not at all interested in selling this card.
Click to expand...
If their customer care are not responding, then it is better to not take their card.
 
mukundstud said:
Just sharing my thoughts on Rupay Cards.

Though I am happy overall by getting a Rupay Credit card from BoB, today I faced a big disappointment when I was trying to use my Rupay CC online. I was trying to book flight tickets on 'Cleartrip' today, to avail 20% discount on flights using BoB CC offer. To my shock, I found out that Cleartrip does NOT accept Rupay cards as payment method!! Because of this, I had pick another bank offer, settling with 12% discount. I also remember an incidence when I was trying to buy some Tea from GTAC's Tea Lounge in Guwahati, I saw its POS declining Rupay cards as payment method.

I am shocked to know that our own payment network does not work in the sites and POSs of our own country. A payment network can give attractive many offers. But in the end, it has to work on the basic things expected from it, one of which is acceptability. I am not expecting worldwide acceptance of Rupay Cards(though I have a great desire that it may be accepted worldwide), but I at least expect nationwide acceptance of them. I cannot roam with my pocket having only a Rupay card inside it. I have to carry a VISA card as a backup. Either Rupay should work with merchants and banks to enable near 100% acceptability, like VISA and Mastercard, or the Govt. should itself pass a mandate to force banks and merchants to accept Rupay cards, if they are accepting other payment networks. I don't think that there would be a loss to any stakeholder due to this mandate.
Click to expand...
Another reason of card getting declined in POS machine is that, the BIN Number might not be updated in the system, or the POS machine might be too old that it does not accept RuPay cards.
 
I had requested for a RuPay variant of Hdfc card, and got this message today. No email so far. Wht does this mean? Have they converted my card? Because net banking still does not show the new card. D54B160D-4AC6-49E7-AA57-EA1006D5F7D9.jpeg
 
AsishB said:
Another reason of card getting declined in POS machine is that, the BIN Number might not be updated in the system, or the POS machine might be too old that it does not accept RuPay cards.
Click to expand...
Yes, 100% all POS machines in India accept RuPay cards but some old POS machines are not updated. Sometimes latest version software update needed.
 
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bidge said:
Guys, does anyone know the procedure to apply for LIC Eclat card here? I have been trying to get in touch with LIC Cards' customer care number (which remains busy forever) and their email address, however I haven't gotten any response from their side yet. It seems these folks are not at all interested in selling this card.
Click to expand...
Yes, only apply through LIC agent.

One person already applied and he saw hard enquiry on credit score from IDBI bank but card is still not receive yet.

If he got the card, i will post here.
 
AsishB said:
If their customer care are not responding, then it is better to not take their card.
Click to expand...
It's a LTF Rupay card and if approved one can get limit upto 10 Lakhs. Out of my 15 cards, I only have 1 BOB Premier on Rupay platform with a meagre limit of 75K. After RBI's UPI related notification, I am inclined towards getting this card as I can route most of my UPI related payments using it.
 
Abhishek012 said:
Yes, only apply through LIC agent.

One person already applied and he saw hard enquiry on credit score from IDBI bank but card is still not receive yet.

If he got the card, i will post here.
Click to expand...
Thanks a lot for the info mate, I know a couple of LIC agents but afraid of contacting them as along with the card application they would push for their useless policies which I am not interested in at the moment.
 
bidge said:
Thanks a lot for the info mate, I know a couple of LIC agents but afraid of contacting them as along with the card application they would push for their useless policies which I am not interested in at the moment.
Click to expand...
LIC RuPay credit card available only for LIC policy holders.

If you already have any LIC policy, contact your agent.
 
Abhishek012 said:
LIC RuPay credit card available only for LIC policy holders.

If you already have any LIC policy, contact your agent.
Click to expand...
Already have a couple of LIC policies which were pushed to me by one of my distant uncles (I am sure most of us have a distant uncle who is an LIC agent and who keeps on pestering all the relatives for taking more and more polices after all "insurance is a subject matter of solicitation" ). I can reach out to him for the card, however I am quite sure after seeing my ITR and salary slips (required for applying Eclat) he will start pestering me to buy more policies from him 😡.
 
Apply For LTF HDFC Swiggy Credit Card
yolofino said:
Update: Received HDFC Regalia on Rupay Select network.

BIN: 652894 @Abhishek012

Approved yesterday and received today via Bluedart in another city.
Click to expand...
This BIN number - 652894 allotted to HDFC bank 3 years ago but same time one more BIN number allotted 652895.

Now curious to know, which card BIN number is this 652895. I think Regalia Business RuPay 😀😀

Other HDFC credit card BIN number i already knew

652850 allotted to Bharat cashback, Bharat cashback business and IndianOil (all 3 cards issue on same BIN number).

last year 3 more BIN number allowed to HDFC bank.

652908 (i think this is Freedom New card)
652915 (if i m not wrong this is Moneyback+ card)
652916 (I guess this is Millennia New RuPay credit card)

This year 2 more new BIN now alloted to HDFC bank -

652925
652926

Don't know which card it will be.
 
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