RuPay Credit Cards Ranked by Rewards in India

How to read this ranking

The leader, HDFC Pixel Play (₹7,032 a year), comes in Visa and RuPay variants and our data does not separate them, so check that the variant you are offered is RuPay if you want UPI linking. Its rewards are selective: 3% on one platform you choose among PayZapp, Amazon and Flipkart (500 CashPoints a month cap), 5% on two chosen merchant packs (500 CashPoints a month cap) and 1% on other spends. We assume 30% of the persona's online, grocery and dining spend falls in the 5% packs. The card also lists a 1% UPI cashback on the RuPay variant (500 a month cap), which the calculator does not model.

The important caveat is that earning on UPI payments is not the same as earning on card swipes. Issuers can exclude or reduce UPI spends on RuPay credit cards, and our calculator does not model a separate UPI rate, so this list shows a card's general earn rules for cards that offer a RuPay variant. The cards here whose best rewards are defined by an app are Jupiter Edge+ (₹5,784, partly verified), which earns only on payments through the Jupiter UPI app, and Kiwi, described below. Second place, RBL IndianOil XTRA (₹6,136), owes ₹1,000 of that to a quarterly milestone voucher counted at half of face value. Kiwi RuPay Credit Card (YES Bank Klick) is also listed: its best rate, 1.5% on Scan & Pay, applies only to payments made through the Kiwi app, so we assume half of eligible spend earns it and the rest earns 0.5%; it stays at medium confidence and is capped at 1% of your credit limit a month, which we do not model. Confirm the issuer's current rule for UPI transactions on the card page links before relying on any of these.

Figures come from the issuers' own terms as recorded on each card page (sources and check dates are listed there). Estimates, not offers.