Best Lifetime Free Rupay Credit Cards for UPI Transactions

In this guide, we’ll explore the Best Lifetime Free Rupay Credit Cards for UPI transaction contenders and help you make an informed decision.

Before delving into the specifics, let’s briefly discuss what makes a Rupay credit card stand out in the realm of UPI transactions.

Rupay, as a domestic card network, offers cost-effective solutions with widespread acceptance. A lifetime free Rupay credit card, coupled with UPI capabilities, ensures seamless and economical transactions.

The Ultimate Guide to Choosing the Best Lifetime Free Rupay Credit Card for UPI Transactions

Best Lifetime Free Rupay Credit Cards for UPI Transactions
Credit CardAnnual FeesKey Features
BOB Easy RuPay Platinum Credit CardNilEarn 5 Reward Points for every Rs. 100 expended on purchases at Grocery stores, Departmental stores, and Movie expenditures.
ICICI Bank Coral RuPay Credit CardNilAccumulate 2 reward points for each ₹100 spent using your card.
Indusind Rupay Credit CardNil1.5 reward points for every Rs. 150 spent on this credit card.
HDFC Shoppers Stop Credit CardNilEarn up to 6 First Citizen Reward Points for every Rs. 150 spent.

Top Picks for Best Lifetime Free Rupay Credit Cards for UPI Transactions:

1. Bank of Baroda Easy RuPay Platinum Credit Card

Earn 1 reward point for every Rs.100 spent using the card, with the opportunity to enjoy five times more rewards on expenditures made on groceries, departmental stores, and movie expenses.

The accrued reward points hold versatile redemption options, including cash back and a variety of exciting gifts and vouchers.

Ensure timely payment of your credit card bill to receive an additional benefit of 0.5% cash back in the subsequent statement.

Moreover, take advantage of an annual fee waiver by achieving a minimum spend of Rs.6,000 within the first 60 days of obtaining the credit card and Rs.35,000 over a year.

Benefit from a 1% fuel surcharge waiver applicable at all petrol stations nationwide for transactions ranging from a minimum of Rs.400 to a maximum of Rs.5,000.

For purchases exceeding Rs.2,500, you have the flexibility to convert them into convenient monthly instalments (EMIs), with repayment options available over 6 or 12-month tenures.

Primary cardholders can extend the card’s benefits to their family members, including spouses, parents, siblings, and children above 18 years of age, by availing up to three add-on credit cards.

Additionally, enjoy the security of free personal accidental death insurance and experience zero liability for lost cards, provided the loss is reported within 24 hours of occurrence.

2. ICICI Bank Coral RuPay Credit Card

Earn two reward points for every Rs.200 spent using the ICICI Coral RuPay Credit Card (excluding fuel). Additionally, gain one reward point for each Rs.100 spent in the insurance and utilities categories.

Take advantage of a 25% discount when purchasing a minimum of two tickets through BookMyShow or at an INOX outlet, a benefit that can be utilized twice per month.

In terms of travel benefits, ICICI Coral credit card lounge access is applicable exclusively at domestic railway lounges in India, providing one complimentary lounge visit per quarter.

To avail of this benefit in the following quarter, a minimum expenditure of Rs. 5000+ per calendar quarter is required.

Furthermore, if your spending exceeds Rs. 1.5 lakhs on your ICICI Coral RuPay credit card, the annual fees of Rs. 500 will be waived.

3. Indusind Rupay Credit Card

IndusInd Bank introduces its inaugural RuPay credit card, the IndusInd Bank Platinum RuPay credit card.

This card comes with the unique advantage of being a lifetime free card and is compatible with UPI payments.

Users can accrue two reward points for every Rs 100 spent on UPI transactions and one reward point for every Rs 100 spent on non-UPI payments.

Notable perks include a fuel surcharge waiver and travel insurance, enhancing the overall appeal of this credit card.

4. HDFC Shoppers Stop Credit Card

With the Shoppers Stop HDFC Bank Credit Card, you have the opportunity to accumulate First Citizen Points each time you make purchases at Shoppers Stop outlets.

This credit card comes with a lifetime free membership, offering additional perks such as a Shoppers Stop voucher worth Rs.500.

When you spend on Shoppers Stop private label brands, enjoy the benefit of earning 6 First Citizen Points, with a monthly cap set at 500 First Citizen Points.

Furthermore, this credit card provides a 1% waiver on the fuel surcharge when used to purchase fuel at any fuel station across India.

In addition to exclusive rewards at Shoppers Stop, you also earn 2 First Citizen Points on other expenditures at Shoppers Stop brands, enhancing the overall value of your credit card experience.

Conclusion for Best Lifetime Free Rupay Credit Cards for UPI

In conclusion, choosing the best lifetime free Rupay credit cards for UPI transactions involves a careful evaluation of key features, cost-effectiveness, and additional perks.

By considering factors such as seamless UPI integration, enhanced security, and any extra benefits, you can make an informed decision that aligns with your financial goals.

Remember, the right card not only complements your UPI transactions but also enhances your overall financial experience. Happy banking!

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