This comprehensive guide is designed to assist you in discovering the Best Rupay Credit Cards for Cashback tailored specifically for maximizing cashback rewards, ensuring not only seamless transactions but also substantial savings on your everyday expenses.
Before we delve into our top recommendations, it’s crucial to understand the significance of having Rupay credit cards optimized for cashback rewards. Renowned for its cost-effective solutions, Rupay offers credit cards with features crafted to enhance your overall financial experience.
Choosing the right card ensures not only efficient transactions but also access to exclusive cashback benefits, allowing you to earn money back on your everyday purchases.
Maximizing Savings: Uncovering the Best Rupay Credit Cards for Cashback Rewards
| Credit Card | Annual Fees | Key Features |
|---|---|---|
| Tata Neu HDFC Credit Card | Rs. 499 + GST | Receive 2% in NeuCoins on non-EMI transactions at Tata Neu and affiliated Tata brands. |
| IndianOil Axis Bank Credit Card | Rs. 499 + GST | Get a 4% value back on your fuel expenditures at IndianOil outlets. |
| ICICI HPCL Saver Rupay Credit Card | Rs. 499 + GST | Receive a 4% cashback on every fuel transaction made at HPCL fuel pumps. |
| IDFC First Power Plus Credit Card | Rs. 499 + GST | Unlock yearly savings of up to ₹18,500 with this credit card, equivalent to purchasing over 175 litres of fuel. |
| IDFC First Power Credit Card | Rs. 199 + GST | Get Rs. 250 cashback on transactions with a minimum value of Rs. 250 through the HPCL Power card. |
| IRCTC HDFC Credit Card | Rs. 499 + GST | Obtain a 5% cashback when booking train tickets through SmartBuy, and earn 5 reward points for every Rs. 100 spent on the IRCTC website and Rail Connect App. |
| Snapdeal BOB Credit Card | Rs. 249 + GST | 5% cashback on all spends on the Snapdeal website. |
Best Rupay Credit Cards for Cashback Rewards – Table of Contents
Top Picks for Rupay Credit Cards Offering Lucrative Cashback Rewards:
Check the top 7 Best Rupay Credit Cards for Cashback –
1. Tata Neu HDFC Credit Card
The Tata Neu Infinity HDFC Bank credit card stands as the premium option among the two co-branded credit cards introduced by HDFC Bank and Tata Neu.
In the inaugural year, this Infinity variant is provided at no cost, with no joining fee. Subsequently, starting from the second year, an annual fee of Rs 1499+GST applies, but this fee can be waived by achieving spending of Rs 3 Lakh within a membership year.
Delivering an impressive reward rate ranging from 1.5% to 5%, this credit card is particularly noteworthy for its excellence in UPI spending and associations with Tata Neu partner brands. Tata Neu credit card is one of the Best Rupay Credit Cards for Cashback Rewards.
Boasting perks like complimentary access to airport lounges and a fuel surcharge waiver, we strongly recommend the Tata Neu Infinity HDFC Bank credit card as an essential addition to your spending portfolio.
2. IndianOil Axis Bank Credit Card
The IndianOil Axis Bank credit card is designed to provide not just savings on fuel costs but also various other expenditures.
This fuel credit card offers a diverse range of advantages and features, including benefits such as accelerated reward points and surcharge waivers for every fuel transaction.
Additionally, the card extends its perks to other spending categories.
Highlighted Features of the Axis Bank IndianOil Credit Card:
- Earn accelerated reward points when fueling up at Indian Oil Corporation fuel pumps.
- Enjoy a welcome cashback of up to Rs.250 on all fuel expenses made within the initial 30 days of card issuance.
- Gain accelerated reward points on your shopping expenditures.
- Benefit from a fuel surcharge waiver for all your fuel transactions.
- Avail an annual fee waiver if your annual expenses surpass Rs.50,000.
- Access discounts on purchases of movie tickets.
This credit card not only optimizes savings on fuel but also enhances the overall value with rewards and benefits in various spending categories.
Axis Bank IndianOil Credit Card is one of the Best Rupay Credit Cards for Cashback Rewards.
3. ICICI HPCL Saver Rupay Credit Card
The ICICI Bank HPLC Super Saver credit card proves to be an excellent choice for avid shoppers. This credit card provides enticing cashback options on a range of purchases, ensuring savings on utility bills, fuel expenses, and departmental store shopping.
Cardholders enjoy complimentary lounge access at domestic airports, enhancing their travel experience.
Additionally, the credit card offers round-the-clock roadside assistance, providing peace of mind during emergencies.
For fuel enthusiasts, there’s an exclusive 1.5% cashback on fuel purchases made through the HP Pay app at various HPCL outlets.
Movie buffs can rejoice with up to 25% discount on movie tickets, with a cap of Rs. 100 on each booking, available at Inox cinemas and BookMyShow twice a month.
Furthermore, the HPLC Super Saver credit card provides a generous 5% cashback on departmental, utility, and grocery purchases.
As a welcome gesture, new cardholders receive a Rs. 2000 joining benefit upon activation and fee payment.
ICICI Bank HPLC Super Saver credit card is one of the Best Rupay Credit Cards for Cashback Rewards.
In summary, the ICICI Bank HPLC Super Saver credit card not only caters to the shopping needs of individuals but also offers a comprehensive range of benefits, making it a rewarding choice for various lifestyle expenses.
4. IDFC First Power Plus Credit Card
When considering the IDFC Bank HPCL First Power Plus Credit Card, an exceptional card offers annual savings of up to Rs. 18,500, translating to approximately 175+ litres of fuel saved – effectively providing you with free fuel.
In addition to these significant fuel savings, the credit card extends a range of benefits, including a welcome gift valued at Rs. 1,650 and a nominal joining fee of just Rs. 499.
The card’s lifestyle privileges are truly remarkable, encompassing complimentary domestic airport lounge access, up to 25% off on movie tickets, complimentary roadside assistance, and more.
Furthermore, the IDFC Bank HPCL First Power Plus Credit Card opens doors to fantastic deals and discounts with a diverse array of popular partner brands.
What sets this card apart is its competitively low interest rates, ranging from 0.75% to 3.5% per month, translating to an annual rate of 9% to 42%. This ensures not only savings but also affordability for the cardholder.
IDFC Bank HPCL First Power Plus Credit Card is one of the Best Rupay Credit Cards for Cashback Rewards.
5. IDFC First Power Credit Card
Receive a ₹150 discount on Swiggy when your order surpasses ₹500. This credit card allows you to amass yearly savings of up to ₹7,000, akin to the purchase of more than 65 litres of fuel.
Additionally, relish 2.5% rewards on your monthly grocery and utility expenses, valid for amounts up to ₹4,000.
IDFC First Power Credit Card is one of the Best Rupay Credit Cards for Cashback Rewards.
6. IRCTC HDFC Credit Card
The IRCTC HDFC Bank Credit Card, a collaborative effort between HDFC Bank and IRCTC, presents a range of travel benefits for cardholders.
Featuring a nominal annual fee, it offers enticing reward points for ticket bookings made through the IRCTC website.
The credit card further extends benefits like transaction waivers and access to executive railway lounges. In addition to these perks, the bank provides milestone and welcome benefits, including gift vouchers, enhancing the overall value for cardholders.
Tailored for train travel enthusiasts, this card stands as an excellent choice for those who frequently opt for train journeys.
IRCTC HDFC Credit Card is one of the Best Rupay Credit Cards for Cashback Rewards.
7. Snapdeal BOB Credit Card
The Snapdeal Bank of Baroda Credit Card, a collaborative effort offering numerous benefits, rewards, and cashback, stands out as a co-branded credit card.
Both the joining fee and annual fee are set at Rs. 250, presenting an affordable option for users.
Notably, cardholders have the option to request up to three add-on cards without incurring any additional fees, catering to their convenience. This credit card is accessible to both salaried and self-employed individuals.
Upon activation, users can enjoy an exclusive benefit of vouchers valued up to Rs. 500 on Snapdeal, provided they utilize the credit card within the initial 30 days of issuance.
The rewards program is robust, granting 20 reward points for every Rs. 100 spent, coupled with an opportunity to earn an unlimited 5% cashback on Snapdeal transactions.
Snapdeal BOB Credit Card is one of the Best Rupay Credit Cards for Cashback Rewards.
For purchases on various online shopping platforms, grocery shopping, and departmental/retail stores, users can accumulate 10 reward points for every Rs. 100 spent.
All other expenditures attract four reward points per Rs. 100 spent. The accrued reward points seamlessly convert into auto-credited cashback at a rate of Rs. 0.25 per reward point, reflected in the monthly statement.
Furthermore, users have the flexibility to convert purchases exceeding Rs. 2,500 into easy monthly instalments (EMIs) ranging from 6 to 36 months.
The Snapdeal Bank of Baroda Credit Card presents a versatile and rewarding financial tool for diverse spending needs.
Conclusion for Best Rupay Credit Cards for Cashback Rewards –
In conclusion, the search for the best Rupay credit cards for cashback involves a comprehensive analysis of cashback rates, redemption options, and user-friendly platforms.
By selecting a card that aligns with your spending habits and offers a lucrative cashback structure, you not only streamline your financial transactions but also enhance your overall savings and benefits.
Remember, the right card is not just a payment tool, it’s your key to unlocking a world of cashback rewards with each transaction. Happy saving!
