With India pushing for a more self-reliant economy, RuPay credit cards have gained immense popularity as a homegrown alternative to Visa and MasterCard. In 2025, RuPay has evolved into a globally accepted network with a strong foothold in both domestic and international payments. These cards are not only cost-effective but are also packed with features like UPI integration, faster settlements, and exciting rewards.
Let’s explore the best RuPay credit cards in 2025 that combine value, convenience, and innovation.
1. SBI RuPay Platinum Credit Card
Why it's great:
Issued by one of India’s largest banks, the SBI RuPay Platinum card comes with impressive cashback, reward points, and wide acceptance.
Key Features:
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5X reward points on dining and groceries
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Complimentary domestic lounge access (2 per quarter)
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Integrated with UPI for QR-code payments
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Annual Fee: ₹499 (waived on ₹1 lakh annual
spend)
Ideal for: Shoppers and frequent domestic travelers.
2. HDFC Bank Millennia RuPay Credit Card
Why it's great:
This card brings HDFC’s reward-rich ecosystem into the RuPay fold, with benefits focused on online spends and lifestyle perks.
Key Features:
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5% cashback on Amazon, Flipkart, and food delivery apps
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Free UPI-based credit card payments
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Smart EMI options for large spends
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Complimentary accidental insurance cover
Ideal for: Millennials and digital-first consumers.
3. Axis Bank RuPay Select Credit Card
Why it's great:
This is a premium offering with rich benefits tailored for those who seek lifestyle perks without high annual fees.
Key Features:
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Unlimited domestic lounge access
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Free health checkups & concierge service
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Attractive dining and wellness discounts
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No cost EMI and utility bill payment facility
Ideal for: Professionals and premium lifestyle users.
4. Bank of Baroda RuPay Easy Credit Card
Why it's great:
This card is a strong contender for first-time credit card users who want simple rewards and UPI-friendly usage.
Key Features:
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Low interest rates
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No joining fee
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Easy reward points on groceries and utilities
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Full UPI integration for quick QR transactions
Ideal for: Students and salaried employees with limited credit history.
Why Choose RuPay in 2025?
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UPI-Enabled Credit Cards: Use RuPay credit cards on UPI platforms for contactless, cashless convenience.
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Made for India: Lower transaction charges and faster processing make it perfect for Indian merchants.
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Wider Reach: Now accepted in several international markets via tie-ups with Discover and JCB.
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Reward Ecosystem: Enhanced offers across retail, travel, and healthcare.
Final Thoughts
RuPay credit cards have come a long way and are now standing shoulder-to-shoulder with global players. Whether you’re looking for cashback, lifestyle benefits, or seamless UPI integration, the best RuPay credit cards in 2025 offer something for everyone. As more banks roll out UPI-linked credit solutions on the RuPay platform, this is the perfect time to go local and smart with your credit choices.
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