Lifetime-Free RuPay Credit Cards You Can Apply for in 2025
In 2025, RuPay is no longer just a domestic contender—it’s transforming how millions spend, save, and earn rewards.

Introduction

In 2025, RuPay is no longer just a domestic contender—it’s transforming how millions spend, save, and earn rewards. With tighter UPI integration, no annual fees on many cards, and boosted cashback schemes, RuPay credit cards are becoming go-to options for everyday Indians. This guide highlights the top 7 RuPay cards that deliver solid returns without extra baggage like high fees or hidden charges.


1. Tata Neu Infinity (HDFC)

  • Rewards: 1.5% NeuCoins on all UPI and card spends; 5% back on Tata Group purchases (NeuMart, Croma, stores).

  • Perks: Two complimentary lounge visits per year, digital card support.

  • Annual Fee: ₹499 (waived on ₹1.5 lakh annual spend).

  • Why it stands out: Great for shoppers who already frequent Tata stores; the NeuCoins system is easy and versatile.


2. Kiwi (Yes Bank Klick RuPay)

  • Rewards: 1–2% cashback on all spends, bumped to 5% on UPI when you hit the “Neon” tier (~₹1.5 lakh spend/year).

  • Perks: Virtual-first card; one free lounge visit annually after a ₹50k spend.

  • Annual Fee: ₹500 (waived with Neon status).

  • Why it stands out: Pure cashback, no juggling reward points; best for digital users who want straightforward value.


3. Axis Fibe RuPay

  • Rewards: 3% cashback on food, entertainment, and commute; 1% elsewhere, all UPI-eligible.

  • Perks: Numberless card, four complimentary lounge entries annually.

  • Annual Fee: ₹499 (waived on ₹2 lakh spend).

  • Why it stands out: Security-first design with practical perks—ideal if you spend heavily in those three categories.


4. Edge CSB Bank RuPay (via Jupiter)

  • Rewards: 5% cashback on UPI transactions; 1% bonus on monthly spends above ₹30k.

  • Perks: Lifetime-free, instant virtual issuance via Jupiter.

  • Annual Fee: None, ever.

  • Why it stands out: The highest UPI cashback percentage and genuinely zero fees—great for high-frequency UPI users.


5. IndusInd Platinum RuPay

  • Rewards: ₹2 reward per ₹100 spent on UPI and card swipes.

  • Perks: Fuel surcharge waiver (up to ₹400/month), complimentary lounge access.

  • Annual Fee: Waived for lifetime once issued.

  • Why it stands out: Good all-rounder that combines UPI rewards with fuel savings and travel perks.


6. HPCL ENERGIE RuPay (BOB)

  • Rewards: Effective 5% savings at HPCL petrol pumps + standard UPI and card rewards.

  • Perks: Five free lounge passes yearly, automotive insurance cover.

  • Annual Fee: ₹500 (waived on ₹1 lakh spend).

  • Why it stands out: Perfect for frequent commuters—fuel savings can really add up.


7. IDFC First Power+ RuPay

  • Rewards: Up to 175 litres of free fuel annually (converted into cashback); standard UPI rewards too.

  • Perks: Complimentary lounge access, lifestyle offers.

  • Annual Fee: ₹499 (waived on ₹2 lakh spend).

  • Why it stands out: If you drive often, the free fuel benefit easily outweighs the modest fee.


At-a-Glance Comparison

Card Annual Fee (Waivable) UPI/Spend Rewards Key Perk
Tata Neu Infinity ₹499 (₹1.5 L) 1.5% UPI, 5% Tata ecosystem Lounge access
Kiwi (Yes Bank) ₹500 (Neon tier) 5% UPI (Neon), 2% elsewhere Virtual card, lounge benefit
Axis Fibe RuPay ₹499 (₹2 L) 3% food/ent/commute Numberless + lounges
Edge CSB Bank RuPay NIL 5% UPI + 1% bonus Lifetime-free
IndusInd Platinum NIL ₹2/100 spent Fuel surcharge waiver
HPCL Energie ₹500 (₹1 L) 5% fuel savings Lounge + insurance
IDFC First Power+ ₹499 (₹2 L) Free fuel cashback Lounge + lifestyle offers

Conditions apply—always read T&Cs for caps and exclusions.


Who Should Pick Which Card?

- Ultra-Heavy UPI Users

Go for Edge CSB Bank! With 5% cashback and no fee, it’s the best pure cashback engine.

- Shopping Lovers (Tata Ecosystem)

Tata Neu Infinity gets you more value—NeuCoin returns are easy to redeem.

- Casual UPI + Category Spending

Axis Fibe covers food, commuting, and entertainment richly.

- Frequent Drivers

IDFC Power+ and HPCL Energie offer real-world benefits via free fuel or pump savings.

- Modern Digital Spenders

Kiwi puts real cashback in your pocket—no floats, no points—ideal for minimalists.

- Hybrid Users

IndusInd Platinum balances UPI rewards with fuel perks and safety features.


Pro Tips to Maximize Rewards

  1. Track monthly spend to unlock waivers and tiers.

  2. Link to UPI apps early—Edge and Kiwi are built for UPI.

  3. Stack ecosystem benefits: Tata Neu often bundles vouchers and coupons.

  4. Max out fuel deals by pairing HPCL or IDFC cards with regular pump visits.

  5. Use virtual card features for online locking/security (Kiwi, Tata, Axis).


Final Word

 

RuPay credit cards in 2025 aren’t just low-cost—they’re high-value. From sky-high UPI rewards (Edge CSB Bank) to shopping convenience (Tata Neu) and fuel savings (IDFC + HPCL), there’s a card for nearly every lifestyle. Reflect on your monthly patterns—digital spends, fuel, shopping, lounges—and pick the one that aligns. Your wallet and your bottom line will thank you.


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