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)
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Rewards: 1.5% NeuCoins on all UPI and card spends; 5% back on Tata Group purchases (NeuMart, Croma, stores).
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Perks: Two complimentary lounge visits per year, digital card support.
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Annual Fee: ₹499 (waived on ₹1.5 lakh annual spend).
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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)
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Rewards: 1–2% cashback on all spends, bumped to 5% on UPI when you hit the “Neon” tier (~₹1.5 lakh spend/year).
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Perks: Virtual-first card; one free lounge visit annually after a ₹50k spend.
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Annual Fee: ₹500 (waived with Neon status).
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Why it stands out: Pure cashback, no juggling reward points; best for digital users who want straightforward value.
3. Axis Fibe RuPay
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Rewards: 3% cashback on food, entertainment, and commute; 1% elsewhere, all UPI-eligible.
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Perks: Numberless card, four complimentary lounge entries annually.
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Annual Fee: ₹499 (waived on ₹2 lakh spend).
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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)
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Rewards: 5% cashback on UPI transactions; 1% bonus on monthly spends above ₹30k.
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Perks: Lifetime-free, instant virtual issuance via Jupiter.
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Annual Fee: None, ever.
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Why it stands out: The highest UPI cashback percentage and genuinely zero fees—great for high-frequency UPI users.
5. IndusInd Platinum RuPay
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Rewards: ₹2 reward per ₹100 spent on UPI and card swipes.
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Perks: Fuel surcharge waiver (up to ₹400/month), complimentary lounge access.
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Annual Fee: Waived for lifetime once issued.
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Why it stands out: Good all-rounder that combines UPI rewards with fuel savings and travel perks.
6. HPCL ENERGIE RuPay (BOB)
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Rewards: Effective 5% savings at HPCL petrol pumps + standard UPI and card rewards.
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Perks: Five free lounge passes yearly, automotive insurance cover.
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Annual Fee: ₹500 (waived on ₹1 lakh spend).
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Why it stands out: Perfect for frequent commuters—fuel savings can really add up.
7. IDFC First Power+ RuPay
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Rewards: Up to 175 litres of free fuel annually (converted into cashback); standard UPI rewards too.
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Perks: Complimentary lounge access, lifestyle offers.
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Annual Fee: ₹499 (waived on ₹2 lakh spend).
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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
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Track monthly spend to unlock waivers and tiers.
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Link to UPI apps early—Edge and Kiwi are built for UPI.
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Stack ecosystem benefits: Tata Neu often bundles vouchers and coupons.
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Max out fuel deals by pairing HPCL or IDFC cards with regular pump visits.
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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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