Best Rupay Credit Cards in 2025

Looking for the best RuPay credit cards in 2025? RuPay credit cards are becoming popular in India for their domestic benefits, minimal transaction charges, and easy UPI integration. Leading banks provide RuPay credit cards that are tailored to your lifestyle, whether your goals are fuel savings, travel benefits, cashback, or rewards.

In this guide, we’ll help you find the best RuPay credit cards of 2025 in India, so you can make wiser spending choices.

Best Rupay Credit Cards in India [2025]

Below is the list of the best Rupay credit cards in India available in 2025.

 

1. Tata Neu Rupay Credit Card

Tata Neu RuPay Credit Card is a co-branded credit card between Tata Neu and HDFC Bank, and RuPay. This card is offered in two versions - Tata Neu Infinity Credit Card and HDFC Tata Neu Credit Card, offering NeuCoin rewards on regular spends and UPI spends and on purchases under the Tata brands. 

Equipped with benefits like welcome bonuses, lounge access, fuel surcharge waivers, and zero-loss liability, it’s a diamond card for shoppers and travelers looking to ride the plastic to smooth payments and richer experiences in 2025.

Benefits & Features:

• Joining Fee: No joining fee using our link.
• Best Suited For: Reward Points
• Reward Type: Cashback
• Welcome Benefits: On the initial purchase, the card provides welcome bonuses, which are frequently in the form of NeuCoins.
• Earn Reward Rate: 1.5% back as NeuCoins on non-Tata brand spends, for UPI spends, earn up to 1.5% back as NeuCoins. This is limited to 500 NeuCoins per month. Extra 5% back as NeuCoins. On spending on select categories on the Tata Neu app/website, with download and registration on NeuPass.
• Reward Redemption: Use the Tata Neu app to redeem NeuCoins for some advantages, including bill payment, discounts, and coupons.
• Lounge Access: Free lounge access is offered at domestic airports.
  
  

Apply Online

Click to Instantly Apply for the Tata Neu Rupay Credit Card 

 

Eligibility Criteria

Criteria	Income	Age
Self-Employed or Salaried	Minimum salary of Rs. 25,000 for salaried individuals Rs. 6 lac per annum for self-employed individuals	21 to 60 years

 

2. Yes Bank Kiwi Rupay Credit Card

You can apply for a virtual credit card with your Kiwi Yes Bank Credit Card and use it to make UPI payments securely and conveniently. To offer this service to its clients, Kiwi, a financial organization, has partnered with Axis Bank, Rupay, and UPI.

Benefits: 

• Joining Fees- Lifetime free

• Renewal Fees- Nil

• Best For- UPI Payments

• Rewards Rate- With incentives in the form of "Kiwis" that can be exchanged for cash into your linked UPI account, it offers 0.5% cashback on online transactions and 1% cashback on Kiwi UPI scan & pay transactions.

• Reward Redemption- 1 Kiwi = Rs. 0.25

• Domestic Lounge Access- Domestic airport lounge access with purchase tiers. Cardholders receive one complimentary lounge visit when they spend Rs. 50,000 in a year, and another when they spend Rs. 1,00,000, and a third at Rs. 1,50,000.

• International Lounge Access- N/A.

• Golf- Yes.
  
  

Eligibility Criteria

Criteria	Age	Income
Salaried	21 to 60 years	Rs. 25,000 per month
Self-employed	21 to 60 years for the self-employed.	Rs. 5 lac per year

 

Click to Instantly Apply for the Yes Bank Kiwi Rupay Credit Card.

 

3. RBL Shoprite Credit Card

RuPay is now used to issue the RBL Shoprite Credit Card, which was formerly issued through the Visa and Mastercard networks. With RuPay being widely accepted by various platforms and merchants in the Indian credit card market, going for it proves to be quite advantageous.

Benefits:

• Joining Fees- No joining fee from our link.

• Renewal Fees- Rs. 500 plus applicable taxes, which is applicable to the primary cardholder each year. However, this fee may be waived if the cardholder spends Rs. 1,50,000 or more.

• Best For- Retail spending.

• Movie Benefits- BookMyShow offers a 10% discount on movie tickets up to Rs. 100 15 times a year.

• Reward Points- For every Rs. 100 spent on anything but petrol, you will receive one reward point.

• Reward Redemption- 1 point = Rs. 0.25

• Travel- NA

• Domestic Lounge Access- N/A

• International Lounge Access- N/A.

• Golf- N/A.
  
  

Eligibility Criteria

Criteria	Age	Income
Salaried or Self-employed	18/21 to 60/65 years	Stable money income

 

Click to Instantly Apply for the RBL Shoprite Credit Card.  

 

4. IDFC First Power Plus Credit Card

IDFC First Power Plus credit card has, for the first time ever, introduced a co-branded credit card. IDFC First Bank introduced two cards jointly with Hindustan Petroleum Corporation Limited. You save around 175+ liters of fuel annually, which means you get free fuel worth  Rs. 18,500 annually.

Benefits

• Joining Fees- Rs. 499 + GST

• Renewal Fees- Rs. 499 + GST

• Welcome Benefits- Up to 5% cashback (max of Rs. 1,000) on the transaction value of the first EMI and up to Rs. 500 cashback on your first HPCL fuel transaction over Rs. 500.

• Best For- Fuel

• Movie Benefits- Once a month, get a 25% discount on movie tickets up to Rs. 100.

• Reward Redemption- 1 point = 0.25 Rs.

• Travel- Roadside assistance for free, valued at Rs. 1,399.

• Domestic Lounge Access- 1 complimentary access to the domestic lounge every quarter.

• International Lounge Access- N/A.

• Golf- N/A.

 

Eligibility Criteria

Criteria	Age	Income
Salaried or Self-employed	Min 21 years	Min. income is Rs. 3 lac

 

Click to Instantly Apply for the IDFC First Power Plus Credit Card

 

5. Tata Neu Infinity Credit Card

The Tata Neu Infinity Credit Card is a Rewards Points card with several benefits. The procedure of applying for a credit card is simple and may be completed online, offering numerous advantages.

Benefits

• Joining Fees- Rs. 1,499 + GST

• Annual Fees- Rs. 1,499 + GST

• Welcome Benefits- 1,499 NeuCoins will be loaded to the Tata Neu App if the first transaction is completed within 30 days of the card's issuance date.

• Best For- Rewards

• Movie Benefits- NA

• Travel- Roadside assistance for free, valued at Rs. 1,399.

• Domestic Lounge Access- 8 free domestic lounge trips are granted annually (up to 2 per quarter, provided that Rs. 50,000 was spent in the preceding quarter).

• International Lounge Access- 4 free visits to foreign lounges annually (up to one every quarter).
  
  

Eligibility Criteria

Criteria	Age	Income
Salaried or Self-employed	Min 21 to 65 years	Min. income is Rs. 1 lac for salaried employees and ITR of Rs. 12 lac+  for self-employed.

 

Click to Instantly Apply for the Tata Neu Infinity Credit Card

 

Conclusion

The best RuPay Credit Card in 2025 for you would be the one that is best suited for your lifestyle, spending behaviour, and financial objectives. If you’re a fan of Tata products and want rewards on your day-to-day purchases, you’ll appreciate the rich NeuCoin rewards, travel benefits, and lounge access that the Tata Neu RuPay Credit Card and Tata Neu Infinity Credit Card offer.

For those focusing on UPI payments, the Yes Bank Kiwi RuPay Credit Card is an interesting proposition with UPI payments along with cashback in the form of “Kiwis,” which are directly credited to the UPI-linked account.

The RBL Shoprite Credit Card would be an exciting choice for those who shop a lot at retail stores and also movie lovers - users can earn rewards from regular spending and get discounts on movie tickets from BookMyShow.

If you are someone who spends a substantial amount on fuel, the IDFC First Power Plus Credit Card would be right up your alley, with its exciting fuel savings at HPCL outlets and inclusive of domestic lounge access and roadside assistance. 

Disclaimer: No buy or sell recommendation is given. Information is taken from various internet websites and is valid at the time of writing this content only (as of 14 June 2025) and might change in the future without any prior update. Discuss with your eligible financial advisor, the concerned credit card company, or banks for details before buying. The author or the company (Finowings) shall not be responsible for any loss.

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