This comprehensive guide is crafted to help you discover the Best Rupay Credit Cards for UPI Payments, ensuring not only a smooth transaction process but also exclusive perks for your digital financial journeys.
Before we delve into our top recommendations, it’s crucial to understand why having a Rupay credit card optimized for UPI payments is a strategic choice.
Renowned for its cost-effective solutions, Rupay offers credit cards with features crafted to align seamlessly with the evolving landscape of digital transactions.
Choosing the right card ensures not only efficient UPI payments but also access to exclusive benefits, making your digital financial transactions more convenient.
Mastering Digital Transactions: Unveiling the Best Rupay Credit Cards for UPI Payments
| Credit Card | Annual Fees | Key Features |
|---|---|---|
| IndianOil Axis Bank Credit Card | Rs. 499 + GST | Enjoy a 4% value back on your fuel purchases at IndianOil stations. |
| ICICI Bank HPCL Super Saver Credit Card | Rs. 499 + GST | Earn a 4% cashback on all your fuel expenses when refuelling at HPCL fuel stations. |
| BOB IRCTC Credit Card | Rs. 299 + GST | Earn as many as 40 reward points for every Rs. 100 spent on booking train tickets through the IRCTC website or mobile app. |
| HDFC Moneyback Plus Credit Card | Rs. 499 + GST | Earn 10 times the CashPoints on purchases from Amazon, Swiggy, BigBasket, Reliance Smart SuperStore, and Flipkart. |
| IDFC First Power Plus Credit Card | Rs. 499 + GST | This credit card lets you save up to ₹18,500 annually, providing you with the power to buy more than 175 litres of fuel. |
Top Picks for Rupay Credit Cards Offering Seamless UPI Payments:
Best Rupay Credit Cards for UPI Payments – Table of Contents
1. IndianOil Axis Bank Credit Card
The Axis Bank IndianOil credit card stands out by not only providing substantial savings on fuel costs but also extending its benefits to various other expenditures.
This fuel credit card boasts a diverse range of advantages, including enhanced reward points and surcharge waivers on every fuel transaction.
Additionally, it encompasses perks across different categories.
Highlighted Features of the Axis Bank IndianOil Credit Card:
- Earn bonus reward points for fuel purchases at Indian Oil Corporation fuel stations.
- Enjoy a welcome cashback of up to Rs.250 on all fuel transactions made within 30 days of receiving the card.
- Accumulate extra reward points on shopping expenditures.
- Benefit from a fuel surcharge waiver on all fuel outlays.
- Avail an annual fee waiver if your annual expenses surpass Rs.50,000.
- Receive discounts on purchases of movie tickets.
This credit card not only optimizes savings on fuel but also enhances your overall spending experience across various categories. This IndianOil Axis Bank Credit Card is one of the Best Rupay Credit Cards for UPI Payments.
2. ICICI Bank HPCL Super Saver Credit Card
The ICICI Bank’s HPLC Super Saver credit card proves to be an excellent choice for savvy shoppers. This credit card not only provides cashback on a variety of purchases but also offers savings on utility bills, fuel expenses, and departmental store shopping.
Cardholders enjoy complimentary lounge access at domestic airports, ensuring a comfortable travel experience.
Furthermore, the card comes with 24/7 roadside assistance, adding an extra layer of convenience.
For those who frequently purchase fuel at HPCL outlets using the HP pay app, there’s an attractive additional 1.5% cashback.
Movie enthusiasts benefit from up to 25% discount on tickets, with a maximum savings of Rs.100 on each booking at Inox movies and BookMyShow (twice a month).
The perks extend to everyday essentials with 5% cashback on departmental, utility, and grocery purchases.
Additionally, new cardholders receive a joining benefit of Rs.2000 upon activation and fee payment.
In summary, the HPLC Super Saver credit card from ICICI Bank combines cashback, discounts, and practical benefits, making it an ideal choice for those who want to maximize savings while enjoying various lifestyle privileges.
This ICICI Bank HPCL Super Saver Credit Card is one of the Best Rupay Credit Cards for UPI Payments.
3. BOB IRCTC Credit Card
Acquire reward points effortlessly with your IRCTC BoB Credit Card whenever you make a transaction. The annual fee for this card is Rs.500. Receive 1,000 bonus points by conducting a transaction of Rs.1,000 or more within 45 days of card issuance.
Earn 2 reward points for every Rs.100 spent in various categories, and specifically, get 4 reward points on grocery and departmental store purchases.
Furthermore, indulge in 40 reward points when you spend Rs.100 on train ticket bookings through the IRCTC website or app.
This BOB IRCTC Credit Card is one of the Best Rupay Credit Cards for UPI Payments.
Maximize your rewards as you accumulate 2 reward points for every Rs.100 spent in other categories. This credit card offers a comprehensive and rewarding experience, ensuring benefits for various transactions and purchases.
4. HDFC Moneyback Plus Credit Card
The HDFC MoneyBack+ Credit Card stands out as a rewarding option for cardholders, offering a range of benefits across diverse categories.
This entry-level card is ideal for those seeking exciting reward points and cashback on expenditures at popular platforms like Swiggy, Amazon, Flipkart, Big Basket, and Reliance Smart Super Store.
Upon card activation, users receive a welcome gift of 500 CashPoints, providing an instant advantage.
Enjoy 5x CashPoints when making Equated Monthly Installments (EMI) payments at specified merchant stores. For every Rs.150 spent, excluding wallet reloads, fuel, vouchers, and prepaid card reloads, earn two CashPoints.
The HDFC MoneyBack+ Credit Card amplifies rewards with 10x CashPoints on purchases made at partner brands such as Reliance Smart Store, Flipkart, Swiggy, Amazon, and Big Basket.
Indulge in dining experiences with a discount of up to 15% at over 2,000 select restaurants nationwide.
Cardholders exceeding Rs.50,000 in annual spending receive a Rs.500 gift voucher while enjoying a 1% fuel surcharge waiver. The annual fee is waived if the yearly expenditure surpasses Rs.50,000.
Additionally, the card facilitates the conversion of one-time payments into convenient EMIs for significant purchases.
This HDFC Moneyback Plus Credit Card is one of the Best Rupay Credit Cards for UPI Payments.
Benefit from the zero lost card liability feature, ensuring that cardholders are not held responsible for any fraudulent activities in case of card loss, provided they promptly report it to HDFC Bank Credit Card customer service.
Moreover, an annual spend of at least Rs.50,000 results in a waiver of the renewal membership fee.
5. IDFC First Power Plus Credit Card
When considering the IDFC Bank HPCL First Power Plus Credit Card, it offers substantial annual savings of up to Rs. 18,500, equivalent to approximately 175+ litres of fuel – essentially providing you with the benefit of free fuel.
Beyond the significant fuel savings, this credit card extends a host of additional advantages, including a welcome gift package valued at Rs. 1,650.
With a nominal joining fee of Rs. 499, it provides exceptional lifestyle privileges such as complimentary access to domestic airport lounges, up to 25% off on movie tickets, complimentary roadside assistance, and more.
The IDFC Bank HPCL First Power Plus Credit Card doesn’t just stop at savings and lifestyle perks; it also facilitates access to exclusive deals and discounts across a diverse range of partnered brands.
Moreover, the card features an attractive low-interest rate ranging from 0.75% to 3.5% per month, translating to an annual rate of 9% to 42%. Embrace a card that not only saves you money but also enhances your lifestyle with unmatched benefits. This IDFC First Power Plus Credit Card is one of the Best Rupay Credit Cards for UPI Payments.
Conclusion for Best Rupay Credit Cards for UPI Payments
In conclusion, the quest for the Best Rupay Credit Cards for UPI Payments involves a comprehensive analysis of integration ease, security measures, tailored rewards, and convenient payment tracking.
By selecting a card that aligns with your digital spending preferences, you not only streamline your UPI transactions but also enhance your overall digital financial experience with exclusive privileges.
Remember, the right card is more than a payment tool, it’s your key to mastering the art of seamless and secure UPI payments. Happy transacting!
