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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.
A

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:
Apply For LTF AU LIT Credit Card
Sreerag said:
ICICI Coral? Idk they refuse to change network... HDFC MoneyBack+ or IOCL... Axis IOCL... SBI cards u have a LOT
Click to expand...
Icici i have mmt plat & amz pay, axis I have FK axis & select, sbi simplyclick.

Expect amaz pay others i got in recent months.

What is the charges for icici coral?
 
Sreerag said:
Yeah 499... I entered for coral debit card..

Surprisingly it gives u 2 lounge access that too for no spends only catch is it's 599 and can never be made ltf as it's a debit
Click to expand...
Apply ICICI Coral debit card on RuPay variant, This card is also RuPay Platinum debit card, you will get 100 off on 500 amazon add money offer per month.

Eg-O2w9U0AA4vWX.jpg
 
Sreerag said:
Yes... But I prefer Visa/MC over RuPay for ICICI. their RuPay service is just horrible
Click to expand...
ICICI RuPay card service is best on domestic payment. No idea about foreign transaction.

Almost all private banks offered best service on RuPay card payment (ICICI, HDFC. Axis, AU bank, NSDL, Paytm, Yes bank and Few other small finance bank).

Public sector banks and other govt banks RuPay card service is horrible.
 
Abhishek012 said:
ICICI RuPay card service is best on domestic payment. No idea about foreign transaction.

Almost all private banks offered best service on RuPay card payment (ICICI, HDFC. Axis, AU bank, NSDL, Paytm, Yes bank and Few other small finance bank).

Public sector banks and other govt banks RuPay card service is horrible.
Click to expand...
Idk about that. All banks of privates sector prefer Visa/MC/(DCB/AMEX) so many features we don't get
Like:
GPay linking, support for websites, no Samsung Pay and stuff like that. But for PSBs like Canara and Indian Bank and etc the fees for RuPay is low or nil and they offer various services (except SBI- for SBI choose MC)
 
Sreerag said:
Idk about that. All banks of privates sector prefer Visa/MC/(DCB/AMEX) so many features we don't get
Like:
GPay linking, support for websites, no Samsung Pay and stuff like that. But for PSBs like Canara and Indian Bank and etc the fees for RuPay is low or nil and they offer various services (except SBI- for SBI choose MC)
Click to expand...
Which is your sbi debit card variant?
 
Sreerag said:
Idk about that. All banks of privates sector prefer Visa/MC/(DCB/AMEX) so many features we don't get
Like:
GPay linking, support for websites, no Samsung Pay and stuff like that. But for PSBs like Canara and Indian Bank and etc the fees for RuPay is low or nil and they offer various services (except SBI- for SBI choose MC)
Click to expand...
Private banks invest huge money on their servers, payment gateways, also use their own technical service provider companies etc.

That's why private bank cards give best service. Doesn't matter you have Private banks Visa/MC/(DCB/AMEX) or RuPay.

Some features like gpay, samsungpay, international transactions, EMI, Recurring payment etc currently not available on RuPay that's why Private banks prefer Visa/MC/(DCB/AMEX).

Another side, mostly all PSU banks use 3rd party servers, payment gateways, also use 3rd party technical service provider etc.

This 3rd party servers and technical service provider also charges based on their low, premium, ultra premium tiers.

Some PSU banks like Indian bank, Canara bank, PNB bank and other small govt banks choose low tier plans for all digital transactions.

Since, PSU banks mostly issue RuPay cards that's why customers even bank employees assume RuPay card service is horrible.

All Card/UPI transactions are proceed by banks. 99.99% times bank's fault for any transaction failure or refund problem etc.

You can also easily understand, why some PSU banks UPI service is horrible but some Private banks UPI service is Best of the best.

Its all depend on how much money banks invest on their digital payment products.

RuPay card have partnership with all technical service provider companies across the world.

Now the banks have to choose how much money they want to spend.

Another fact is that Visa/mastercard dnt interested to partnership with any small technical service provider companies and Visa/mastercard also dnt interested to issue cards on small banks. Visa/mastercard also charge huge money to join their network.

RuPay card is for everyone, every banks/fintech companies etc. If you have money you will get RuPay's world class service, if you dnt have money then can also join and issue RuPay cards but your bank/fintech companies service will be horrible.
 
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...

I asked (escalation.cc email) and they replied this -

We would like to inform to inform you that we will be able to review your request for Rupay Moneyback plus credit card as first year free only i.e. Joining Fee : Nil, Renewal Fee: Rs.500.00 + GST. Further , renewal fee will be waived off upon spends of 50,000 in previous membership year.



We request you to revert us with your confirmation for the membership fees along with the scanned copy of duly filled and signed upgrade form which is available in below link to assist you.



https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Credit%20Card%20links/Credit-Card-Upgrade-Customer-Version-Nov2021-Diner.pdf

Should I go for this offer? Will the new card be somehow made LTF on the basis of spends or will it be annual reversal only?

@Abhishek012 which email id your contact send his request for upgrade?
 
yolofino said:
I asked (escalation.cc email) and they replied this -

We would like to inform to inform you that we will be able to review your request for Rupay Moneyback plus credit card as first year free only i.e. Joining Fee : Nil, Renewal Fee: Rs.500.00 + GST. Further , renewal fee will be waived off upon spends of 50,000 in previous membership year.



We request you to revert us with your confirmation for the membership fees along with the scanned copy of duly filled and signed upgrade form which is available in below link to assist you.



https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Footer/Resource/Forms%20Centre/Content/Detail%20Page/Forms%20Center%20-personal/Credit%20Card%20links/Credit-Card-Upgrade-Customer-Version-Nov2021-Diner.pdf

Should I go for this offer? Will the new card be somehow made LTF on the basis of spends or will it be annual reversal only?

@Abhishek012 which email id your contact send his request for upgrade?
Click to expand...
Here full copy paste -

As you know from my previous post that I was offered pre-approved Business MoneyBack credit card from HDFC in the month of June.

Got the card within one week I did a onetime transaction of +₹500 so that I can get the vouchers worth ₹1500. I didn't bother to chase, spend 30k in 90 days for another set of ₹1500 worth vouchers as I was given CC with no conditions LTF.

On 10th August I wrote to priorityredressal.creditcards@hdfcbank.com requesting them to change variant to Rupay or Diners. On 18th got mail offering Moneyback+ LTF Rupay, I accepted the offer and sent back scan copy of upgrade form via an email on 19th. On 21st got SMS regarding upgraded CC, on checking netbanking found that it is Moneyback+ VISA. I immediately wrote back. On 22nd Moneyback+ VISA got dispatched from Chennai. On 23rd Moneyback+ Rupay got issued, dispatched on the same day from Noida. Received both CC's one day after the other.

Last thing he told on 1st, sept, 2022, "Just awhile ago received ₹1500 worth voucher, which I redeemed for Amazon GV."
 
Abhishek012 said:
Here full copy paste -

As you know from my previous post that I was offered pre-approved Business MoneyBack credit card from HDFC in the month of June.

Got the card within one week I did a onetime transaction of +₹500 so that I can get the vouchers worth ₹1500. I didn't bother to chase, spend 30k in 90 days for another set of ₹1500 worth vouchers as I was given CC with no conditions LTF.

On 10th August I wrote to priorityredressal.creditcards@hdfcbank.com requesting them to change variant to Rupay or Diners. On 18th got mail offering Moneyback+ LTF Rupay, I accepted the offer and sent back scan copy of upgrade form via an email on 19th. On 21st got SMS regarding upgraded CC, on checking netbanking found that it is Moneyback+ VISA. I immediately wrote back. On 22nd Moneyback+ VISA got dispatched from Chennai. On 23rd Moneyback+ Rupay got issued, dispatched on the same day from Noida. Received both CC's one day after the other.

Last thing he told on 1st, sept, 2022, "Just awhile ago received ₹1500 worth voucher, which I redeemed for Amazon GV."
Click to expand...

Got it. Thanks.

Have emailed them again for spend-based LTF (not just annual reversal). If they don't agree, will try again after few months of usage.
 

Spoon launch RuPay Platinum Credit card partnership with Bank of Maharashtra:​

Official app:
play.google.com

Spoon - Apps on Google Play

Spoon brings easy access to credit to millennials & GenZ.
play.google.com play.google.com
Official Website:
www.spoon.money

Spoon | Spoon brings financial innovation and opportunity to Gen Z.

Spoon presents the path to building credit history like no other - Exclusively for Young Millennials & GenZ. We use modern tech to enable you to build secure credit, stay away from unnecessary debt, and help with responsible spends.
www.spoon.money www.spoon.money

1663362474052.jpg
 
Abhishek012 said:

Spoon launch RuPay Platinum Credit card partnership with Bank of Maharashtra:​

Official app:
play.google.com

Spoon - Apps on Google Play

Spoon brings easy access to credit to millennials & GenZ.
play.google.com play.google.com
Official Website:
www.spoon.money

Spoon | Spoon brings financial innovation and opportunity to Gen Z.

Spoon presents the path to building credit history like no other - Exclusively for Young Millennials & GenZ. We use modern tech to enable you to build secure credit, stay away from unnecessary debt, and help with responsible spends.
www.spoon.money www.spoon.money

View attachment 4795
Click to expand...
Hi @Abhishek012 Bhai also Visa Card available including Rupay 😀
Screenshot_2022-09-17-20-22-29-808_com.android.chrome.jpg
 
Apply For LTF HDFC Swiggy Credit Card
Abhishek012 said:

Spoon launch RuPay Platinum Credit card partnership with Bank of Maharashtra:​

Official app:
play.google.com

Spoon - Apps on Google Play

Spoon brings easy access to credit to millennials & GenZ.
play.google.com play.google.com
Official Website:
www.spoon.money

Spoon | Spoon brings financial innovation and opportunity to Gen Z.

Spoon presents the path to building credit history like no other - Exclusively for Young Millennials & GenZ. We use modern tech to enable you to build secure credit, stay away from unnecessary debt, and help with responsible spends.
www.spoon.money www.spoon.money

View attachment 4795
Click to expand...
Atleast bom did something to keep up... Their bank is the worst I'm telling u. Full FBI security with 2 passwords and 6 otps for a transaction of 1000rs lol
 
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