Best RuPay Credit Cards in India 2026: Full List

Best card for how you spend

What you keep in a year after the annual fee.

If you spend	Best card	You keep a year
₹30,000 a month on the card, ₹10,000 by UPI	Kotak Myntra RuPay	₹6,000
₹15,000 on the card, ₹5,000 by UPI	Kotak Myntra RuPay	₹3,000
₹60,000 on the card, ₹20,000 by UPI	Kotak Myntra RuPay	₹12,000
Mostly UPI: ₹5,000 on the card, ₹25,000 by UPI	Kotak Myntra RuPay	₹4,500

Worked example: Kotak Myntra RuPay. ₹375 a month from “Unlimited 1.25% Cashback on Online and Offline”, plus ₹125 a month from “1.25% Cashback on UPI Transactions” gives ₹6,000 a year, and the ₹500 fee is waived at this spend. You keep ₹6,000.

Rank the cards for your own spend

Enter what you spend. The ranking updates as you type.

Best at ₹30,000 a month: Kotak Myntra RuPay, keeping ₹6,000 a year.

Card	Everyday rate	Best listed rate	UPI rate	Annual fee	You keep a year
1. Kotak Myntra RuPay1.25% everyday. Fee: ₹500.Counted: Unlimited 1.25% Cashback on Online and Offline (₹375 a month); 1.25% Cashback on UPI Transactions (₹125 a month).	1.25% everydayUnlimited 1.25% Cashback on Online and Offline	7.5%Instant Discount of 7.5% on Myntra	1.25%1.25% Cashback on UPI Transactions	₹500waived at ₹2 lakh a year, which this spend reaches	₹6,000
2. Axis Fibe RuPay1% everyday. Fee: ₹0.Counted: Enjoy 1% Cashback On All Other Spends (₹300 a month).	1% everydayEnjoy 1% Cashback On All Other Spends	3%Enjoy 3% Cashback on Food Delivery	Not listed in our data	₹0	₹3,600
3. HDFC UPI RuPay1% everyday. Fee: ₹99.Counted: 1% Cashpoints on Other Spends (₹300 a month).	1% everyday1% Cashpoints on Other Spends	3%3% Cashpoints on Dining	Not listed in our data	₹99waived at ₹25,000 a year, which this spend reaches	₹3,600
4. HDFC UPI RuPay Biz1% everyday. Fee: ₹99.Counted: 1% Cashpoints on Other Spends (₹300 a month).	1% everyday1% Cashpoints on Other Spends	3%3% Cashpoints on Dining	Not listed in our data	₹99waived at ₹25,000 a year, which this spend reaches	₹3,600
5. IRCTC HDFC1% everyday. Fee: ₹500.Counted: 1 Reward Points per ₹100 (₹300 a month).	1% everyday1 Reward Points per ₹100	5%5 Reward Point For Every ₹100 Spent on IRCTC	Not listed in our data	₹500waived at ₹1.5 lakh a year, which this spend reaches	₹3,600
6. Kotak Mojo RuPay Platinum0.4% everyday. Fee: ₹1,000.Counted: 2.5 Mojo Points on every ₹100 on Online (₹150 a month); 1 Mojo Points on every ₹100 (₹60 a month).	0.4% everyday1 Mojo Points on every ₹100	1%2.5 Mojo Points on every ₹100 on Online	Not listed in our data	₹1,000waived at ₹1 lakh a year, which this spend reaches	₹2,520
7. IRCTC RuPay SBI Card0.8% everyday. Fee: ₹500.Counted: 1 Reward Points Per ₹125 Spent on Retail (₹240 a month).	0.8% everyday1 Reward Points Per ₹125 Spent on Retail	Same as everyday	Not listed in our data	₹500	₹2,380
8. IndianOil HDFC RuPay0.64% everyday. Fee: ₹500.Counted: 1 Fuel Point For Every ₹150 (₹192 a month).	0.64% everyday1 Fuel Point For Every ₹150	4.8%5% As Fuel Points At IndianOil	Not listed in our data	₹500waived at ₹50,000 a year, which this spend reaches	₹2,304
9. Kotak IndianOil RuPay Platinum0.5% everyday. Fee: ₹449.Counted: 3 Reward Points on Every ₹150 (₹150 a month); 0.5% Reward Points on Every ₹150 Spent on UPI Transaction (₹13 a month).	0.5% everyday3 Reward Points on Every ₹150	4%24 Reward Points on Every ₹150 Spent on Indianoil Outlets	0.13%0.5% Reward Points on Every ₹150 Spent on UPI Transaction	₹449waived at ₹50,000 a year, which this spend reaches	₹1,950
10. Shaurya SBI RuPay Platinum0.25% everyday. Fee: ₹250.Counted: 1 Reward Point Per ₹100 (₹75 a month).	0.25% everyday1 Reward Point Per ₹100	1.25%5X Reward Points on CSD	Not listed in our data	₹250waived at ₹50,000 a year, which this spend reaches	₹900
11. Axis Kwik RuPayEveryday rate not listed. Fee: ₹0.	Everyday rate not listed	Same as everyday	Not listed in our data	₹0	Not listed
12. Kotak 811 DreamDifferent RuPayEveryday rate not listed. Fee: ₹0.	Everyday rate not listed	Same as everyday	Not listed in our data	₹0	Not listed
13. Kotak League RuPay PlatinumEveryday rate not listed. Fee: ₹499.	Everyday rate not listed	Same as everyday	Not listed in our data	₹499waived at ₹50,000 a year, which this spend reaches	Not listed

How we work this out: your spend goes to each card’s everyday and online rates, and UPI to its UPI rate where one is listed, up to each rate’s monthly limit, times 12, less the annual fee. The fee counts as waived when a year of this spend reaches the waiver level. Points are valued at the card’s best listed redemption. Higher rates at named stores or portals, other category rates, milestones, welcome bonuses, joining fees and GST aren’t counted. “Counted” under each card shows which rates were used. Terms change, so confirm with the bank before you apply.

Which one should you pick?

Best overall at our example spend

Kotak Myntra RuPay keeps ₹6,000 a year after a ₹500 fee that this spend waives.

No annual fee

Axis Fibe RuPay keeps ₹3,600 a year with no fee to recover.

Highest everyday rate

Kotak Myntra RuPay pays 1.25% on everyday spends, for a ₹500 fee waived at ₹2 lakh a year.

Highest UPI rate

Kotak Myntra RuPay pays 1.25% on UPI: “1.25% Cashback on UPI Transactions”.

What decides how much you keep

The fee, and whether you’ll get it waived

9 of the 10 cards here that charge a fee waive it at ₹2 lakh a year of spend or less. The Kotak Myntra RuPay waives its ₹500 fee at ₹2 lakh. At lower spend, a no-fee card can come out ahead.

Monthly limits

The HDFC UPI RuPay pays 1% on “1% Cashpoints on Other Spends” up to ₹500 a month, so the rate stops after ₹50,000 of that spend a month. Above it, a flat-rate card can pay more.

UPI rewards are the exception

RuPay credit cards work on UPI, but only 2 of the 13 list a reward rate for UPI payments. For the rest, UPI spend earns nothing in our ranking. Check the card’s terms if most of your spend goes through UPI.

RuPay credit card questions

Which is the best RuPay credit card in India?

At ₹30,000 a month on the card and ₹10,000 by UPI, the Kotak Myntra RuPay keeps the most: about ₹6,000 a year after its fee. The best card changes with how much you spend and where, so use the calculator on this page.

Which RuPay credit card has no annual fee?

The Axis Fibe RuPay has no annual fee listed and keeps about ₹3,600 a year at the same spend.

Which banks issue RuPay credit cards?

Among the cards we track: Axis Bank, HDFC Bank, Kotak Mahindra Bank, SBI Cards. All 13 cards are listed in the table on this page.

Do RuPay credit cards earn rewards on UPI?

2 of the 13 RuPay cards list a reward rate for UPI payments, the highest being the Kotak Myntra RuPay at 1.25%. For the others, a UPI rate is not listed in our data.

Can I get the annual fee waived?

9 of the 10 cards here that charge a fee waive it if you spend ₹2 lakh a year or less. The calculator removes the fee when your yearly spend reaches the waiver level.

Best RuPay Credit Cards in India