Best RuPay Credit Cards in India 2025 – Top Cards for Rewards, UPI & More

India is rapidly adopting digital payments, and RuPay credit cards are leading the change. Backed by the National Payments Corporation of India (NPCI), RuPay credit cards are designed for seamless transactions, UPI integration, and wide domestic acceptance.

If you're looking for a credit card that supports UPI payments, offers cashback, and keeps your spending in control, RuPay is the way to go. In this guide, we’ll explore the best RuPay credit cards

in India for 2025, along with their features, benefits, and how to apply online.

Why Choose a RuPay Credit Card?

RuPay credit cards offer several advantages:

• UPI Integration: Make payments directly through UPI apps like PhonePe, Google Pay, Paytm, and BHIM.

• Domestic Focus: Ideal for users who shop and travel within India.

• Low Charges: Competitive annual fees and processing charges.

• Government Benefits: Often come with tie-ups for subsidies and public welfare schemes.

• Secure Transactions: Backed by Indian infrastructure with strong security layers.

Top 5 Best RuPay Credit Cards in India 2025

Here are some of the most rewarding and reliable RuPay credit cards you can get this year:

1. PNB RuPay Select Credit Card

• Annual Fee: ₹500

• Welcome Offer: Bonus reward points on first spend

• Key Benefits:

  • Access to domestic airport lounges

  • 2 reward points per ₹150 spent

  • Fuel surcharge waiver

• UPI Support: Yes

Best For: Government employees and regular shoppers

2. BOB Financial RuPay Premier Credit Card

• Annual Fee: ₹750 (waived on ₹1L annual spend)

• Rewards: Up to 5X rewards on dining, travel, and online shopping

• Other Benefits:

  • 1 complimentary airport lounge access per quarter

  • Contactless payments

• UPI Integration: Fully supported

Best For: Lifestyle and travel benefits

3. Union Bank RuPay Credit Card

• Annual Fee: ₹499 (waived on usage)

• Features:

  • 4 reward points per ₹100 on online purchases

  • Insurance cover included

  • Fuel surcharge waiver

• UPI Access: Available via UPI apps

Best For: Everyday spending and utility bill payments

4. Canara Bank RuPay Select Credit Card

• Annual Fee: ₹500

• Key Benefits:

  • 2 reward points per ₹100

  • Complimentary health checkups

  • Free insurance and lost card liability cover

• UPI Support: Yes

Best For: Health-conscious users and frequent domestic travelers

5. NSDL RuPay Credit Card (via Paytm)

• Annual Fee: ₹500

• Rewards: Up to 5% cashback on Paytm Mall & services

• Benefits:

  • Accepted widely on UPI platforms

  • Cashback credited instantly

• Ideal Users: Paytm power users

Best For: Digital-first users who transact online often

Comparison Table – Best RuPay Credit Cards Credit CardAnnual FeeLounge AccessUPI SupportKey BenefitPNB RuPay Select₹500YesYesLounge + reward pointsBOB RuPay Premier₹750YesYesHigh rewards on lifestyle spendsUnion Bank RuPay₹499NoYesOnline shopping rewardsCanara Bank RuPay Select₹500YesYesHealth & insurance perksNSDL RuPay via Paytm₹500NoYesCashback on digital payments What Makes RuPay Credit Cards Special in 2025?

In 2025, UPI-based credit card payments are becoming more common. Thanks to RBI’s approval, many RuPay cards are now linked directly with UPI apps, making payments easier than ever. You no longer need to swipe your card — just scan and pay using your mobile app!

Also, RuPay cards come with domestic rewards, fewer hidden charges, and government support for smoother use within India.

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