February 23, 2026 · 7 mins read
RuPay has become extremely popular as an Indian company because of its easy access to UPI payment systems, national processing networks, and growing merchant acceptance. The National Payments Corporation of India (NPCI) is operating the RuPay Network to promote affordability and financial inclusiveness through digital payment solutions. In 2026, banks that provide RuPay Credit Cards will include merchants who accept these payment methods for shopping, gas, vacations, and building credit.
RuPay credit cards are notable in the sense that they could be linked to UPI apps– Google Pay, PhonePe and Paytm – which allowed users to make credit payments via QR codes. This is much more immediate for daily purchases, and it means you don’t have to carry cards.
Another benefit is reduced processing fees versus global networks – which typically translates to inexpensive rates and easy-to-meet qualifications. RuPay cards are accepted all over India and are perfect for users who want digital payment freedom with cashback and effortless credit availability.
The SBM ZET RuPay Credit Card from SBM Bank India is a secured credit card that is free for the lifetime of the cardholder. This card was designed for those who are new to credit and have no credit history. The credit card is backed by a fixed deposit of ₹5,000 and each cardholder will have a credit limit equal to 90% of the amount of the fixed deposit while earning interest on the fixed deposit. The SBM ZET RuPay Credit Card can be used on the RuPay network, which provides the ability to make UPI payments through Google Pay and PhonePe, and enables users to perform other digital transactions seamlessly.
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The SBM ZET RuPay Credit Card has no annual fees or joining fees, has very few eligibility criteria and provides a range of benefits including cashback, partner discounts and the ability to build credit scores; therefore, it is an excellent entry level RuPay credit card option to start a credit record in India.
HDFC Bank Tata Neu Infinity RuPay Credit Card is one of the most rewarding RuPay cards in the country. Perfect for regular Tata buyers. Users are rewarded with NeuCoins on Tata brand purchases like BigBasket, Croma, and air India bookings.
The card provides lounge access, faster Tata rewards and UPI support. Well-suited for big spenders looking for luxury perks and robust rewards on web and in-store shopping.
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The Tata Neu Plus RuPay Credit Card is for medium spenders who seek cashback and rewards on daily transactions. It provides reward points on Tata brand purchases, utility and bill payments and grocery spends.
While being easier to get than the Infinity version, this card offers a nice compromise between price and perks. It’s perfect for those who want a no-nonsense value credit card with steady rewards.
SBI SimplyCLICK RuPay Credit Card remains the favorite among online shoppers. It offers bonus points on ecommerce sites and sign-on offers. Targeted towards online payments, the card is best suited for those who do a lot of online shopping and make regular digital payments. With its simple reward system and low fees it’s a great option for starters.
The SBI IRCTC RuPay Credit Card is aimed at regular railway passengers. It is providing reward points and transactional benefits on railway ticket bookings via IRCTC.
Cardholders get travel benefits, transaction fee waivers on railway bookings and reward points on ticket bookings. Especially useful for regular train travelers, looking for discounts on ticket fares.
Best for Big Fuel Spenders: Axis Bank IndianOil RuPay Credit Card It offers fuel surcharge waivers, reward points on fuel purchases and other benefits on routine expenses.
Designed for everyday drivers and commuters, the card not only cuts transportation costs, but also provides incentives for routine spending.
Lifestyle benefits like reward points, entertainment offers and travel privileges are provided on the IndusInd Bank Platinum RuPay Credit Card. It’s targeted toward users who want high-end functionality without the high annual fees. With dining benefits, shopping rewards and lifestyle offers, the card comes across as a great card for anyone looking for an overall credit card offering.
The IDFC FIRST Select RuPay Credit Card offers interest-free periods, reward points and lifestyle privileges. It’s recognized for its transparency and client-friendly policies.
They also offer users rewards on retail spending, travel benefits and complimentary services. The card is great for the long-term value seekers.
The IDFC FIRST Power Plus RuPay Credit Card is targeted at utility bills, fuel expenses and routine purchases. It offers cashback on fuel, FASTag recharges and bill payments.
This card is for those looking to optimise savings on standard household and transport costs.
YES Bank kiwi ruPAY Credit Card is a digital-first credit card for UPI users. It also enables seamless integration with mobile apps and provides cashback on UPI transactions.
It’s especially practical for QR code payment devotees and those seeking a 100% digital credit experience. The card is also perfect for neophyte credit users.
Which RuPay credit card is best for you will also depend on your habits and goals. Online shoppers should consider shopping cards, travelers can choose travel rewards cards. Likewise, if you’re after savings on fuel or utilities, there are specialised cards for that.
Annual fees, reward structures, eligibility requirements, and extra benefits should also be taken into account when choosing a card.
RuPay credit cards have become a formidable alternative to the established payment networks in India. Their UPI integration, broad acceptance, and variety of perks make them a compelling selection for contemporary consumers. Banks extend their RuPay portfolio in 2026, catering to various spending habits and financial requirements.
Selecting the appropriate RuPay credit card involves thorough comparison of rewards, charges and qualifications. Armed with the ideal card, you can experience seamless payments, perks, and even sustainable financial benefits.
A credit card that is part of India's home-grown RuPay payment network lets you charge goods using credit, win rewards for doing so, and link your RuPay credit card to a UPI (Unified Payment Interface) app to use that card for digital transactions.
RuPay credit cards are compatible with supported UPI applications, so you can pay with your RuPay credit card using a QR code or other online merchant website.
Some RuPay credit cards allow for overseas payments, but the amount of merchants that accept those types of cards will differ based on the type of RuPay credit card and may differ based on the location.
RuPay credit cards typically have low processing costs, so they can have lower transaction fees than Visa or MasterCard cards.
Beginners are likely to be best suited using entry-level RuPay credit cards that earn simple rewards such as cashback and have easier requirement standards for automatic approval.
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