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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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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
  • 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:
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  • Offer Start from 1st September 2022 to 11th September 2022 (Both days included).
Full details - https://www.rupay.co.in/rupay-offers/offer?id=540

lulu-main.jpg
 
Use RuPay Card on Dubai Mall in UAE -

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yolofino said:
@Abhishek012 is HDFC Business Moneyback credit card (NOT moneyback plus) available on Rupay platform? My wife got this card on Visa platform.
Click to expand...
No but you can conversion to Moneyback+ RuPay credit card.

last week, one person told me, he got pre-approved Business MoneyBack Visa credit card.

Since, Business MoneyBack is not available on RuPay. So, he ask for Moneyback+ RuPay.

HDFC bank agree but he got Moneyback+ Visa then again he request for Moneyback+ RuPay and got the card.

Same thing you should also try.

HDFC_Bank_ccc.jpg
 
How you get 3 cards from HDFC and that too 2 same cards?
Abhishek012 said:
No but you can conversion to Moneyback+ RuPay credit card.

last week, one person told me, he got pre-approved Business MoneyBack Visa credit card.

Since, Business MoneyBack is not available on RuPay. So, he ask for Moneyback+ RuPay.

HDFC bank agree but he got Moneyback+ Visa then again he request for Moneyback+ RuPay and got the card.

Same thing you should also try.

View attachment 4457
Click to expand...
 
Abhishek012 said:
No but you can conversion to Moneyback+ RuPay credit card.

last week, one person told me, he got pre-approved Business MoneyBack Visa credit card.

Since, Business MoneyBack is not available on RuPay. So, he ask for Moneyback+ RuPay.

HDFC bank agree but he got Moneyback+ Visa then again he request for Moneyback+ RuPay and got the card.

Same thing you should also try.

View attachment 4457
Click to expand...

Thanks.

Sent email asking for Moneyback+ on Rupay. Will post what they reply.
 
HyperBeast said:
How will this transaction be processed through Rupay.

What about the conversion rates and currency markup charges??

I don't have much knowledge about how international transactions work, some please explain!!
Click to expand...
Okay so how this works is like this:

RuPay is an only Indian Payment processor like Mir in Russia. International transactions are taken care by Discover (in most cards) and new cards some have JCB. When swiped through PoS it shows as "Discover" or "JCB" instead of RuPay.

Markup charges are only for international transactions. Suppose you are doing to Qatari Rial. So first you need to pay Markup Charge of certain percentage + GST + Conversion charges and so..
This is according to the money in the market.

Travel or Forex cards are prepaid cards in which money is already loaded so, you can buy money at a lower exchange rate and or you don't need it pay conversion charges.

Here it shows RuPay only because it is the people associate the logo in their front of the card. It means any RuPay "International" card is supported let it be Discover or JCB.

Anyways to make the transaction happen:
-You must have an RuPay International Card
-You Must have sufficient balance in account
-You must have turned on International transaction
-You must pay the charges that apply


Thanks in advance🙂
 
Sreerag said:
Okay so how this works is like this:

RuPay is an only Indian Payment processor like Mir in Russia. International transactions are taken care by Discover (in most cards) and new cards some have JCB. When swiped through PoS it shows as "Discover" or "JCB" instead of RuPay.

Markup charges are only for international transactions. Suppose you are doing to Qatari Rial. So first you need to pay Markup Charge of certain percentage + GST + Conversion charges and so..
This is according to the money in the market.

Travel or Forex cards are prepaid cards in which money is already loaded so, you can buy money at a lower exchange rate and or you don't need it pay conversion charges.

Here it shows RuPay only because it is the people associate the logo in their front of the card. It means any RuPay "International" card is supported let it be Discover or JCB.

Anyways to make the transaction happen:
-You must have an RuPay International Card
-You Must have sufficient balance in account
-You must have turned on International transaction
-You must pay the charges that apply


Thanks in advance🙂
Click to expand...
You are giving 101% wrong info.

This transaction work on RuPay's Global network (no linked with Discover or JCB).

You can use any RuPay card, including those RuPay cards written "valid only in India", also work on Dubai mall, UAE.

Now how its work ?

UAE's central bank/or some UAE's local banks already opened bank account in India, for example - SBI bank in India.

Now when we use our RuPay card on any International merchant through RuPay's Global network.

RuPay card deposit INR currency to UAE's central bank/UAE's local banks in their SBI Bank account and UAE's central bank/UAE's local banks deposit same amount of Dirham (UAE currency) to UAE merchants.

Since, This is directly trade between INR to dirham. No Markup Charge or any stupid type of Conversion charges envolve.

RuPay card partner with UAE's Mercury card network, Network International to power RuPay acceptance in the UAE - https://www.npci.org.in/PDF/npci/pr...onal-to-power-RuPay-acceptance-in-the-UAE.pdf

UAE's Mercury card network, Network International and all other future partner banks integrate all RuPay card BIN numbers on UAE merchants POS machine, E-com websites etc.

Year 2019, RuPay announced around 175,000 merchant locations of 21 businesses will start accepting RuPay Cards. Moreover, 5,000 ATMs in the UAE will soon start accepting payments from India’s RuPay card.

Also UAE banks like Emirates NBD, Abu Dhabi Bank, and Bank Of Baroda (UAE branch) will also start issuing RuPay Cards in UAE.

@Sreerag Hope you understand, How RuPay Global network works on Internationally, Discover and JCB is temporary partner, once RuPay network expand to all countries. RuPay card will discontinued all Discover and JCB variant cards. Same way China's Unionpay card was co-branded with visa and mastercard till 2016. Year 2016, china's UnionPay card announced Unionpay card now accept all countries across the globe. So, UnionPay was discontinued all cobranded visa and mastercards.

@HyperBeast
 
Abhishek012 said:
You are giving 101% wrong info.

This transaction work on RuPay's Global network (no linked with Discover or JCB).

You can use any RuPay card, including those RuPay cards written "valid only in India", also work on Dubai mall, UAE.

Now how its work ?

UAE's central bank/or some UAE's local banks already opened bank account in India, for example - SBI bank in India.

Now when we use our RuPay card on any International merchant through RuPay's Global network.

RuPay card deposit INR currency to UAE's central bank/UAE's local banks in their SBI Bank account and UAE's central bank/UAE's local banks deposit same amount of Dirham (UAE currency) to UAE merchants.

Since, This is directly trade between INR to dirham. No Markup Charge or any stupid type of Conversion charges envolve.

RuPay card partner with UAE's Mercury card network, Network International to power RuPay acceptance in the UAE - https://www.npci.org.in/PDF/npci/pr...onal-to-power-RuPay-acceptance-in-the-UAE.pdf

UAE's Mercury card network, Network International and all other future partner banks integrate all RuPay card BIN numbers on UAE merchants POS machine, E-com websites etc.

Year 2019, RuPay announced around 175,000 merchant locations of 21 businesses will start accepting RuPay Cards. Moreover, 5,000 ATMs in the UAE will soon start accepting payments from India’s RuPay card.

Also UAE banks like Emirates NBD, Abu Dhabi Bank, and Bank Of Baroda (UAE branch) will also start issuing RuPay Cards in UAE.

@Sreerag Hope you understand, How RuPay Global network works on Internationally, Discover and JCB is temporary partner, once RuPay network expand to all countries. RuPay card will discontinued all Discover and JCB variant cards. Same way China's Unionpay card was co-branded with visa and mastercard till 2016. Year 2016, china's UnionPay card announced Unionpay card now accept all countries across the globe. So, UnionPay was discontinued all cobranded visa and mastercards.

@HyperBeast
Click to expand...
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
 
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