Friends, in this article we will discuss about the top 3 Best Rupay Credit Cards. Now as you all know that in today’s time Rupay credit card is in very high demand, that is, if anyone in India wants a credit card today, then everyone wants to take the credit card of Rupay network only and not of Visa and Mastercard.
Therefore, if you apply for any of the Rupay credit cards mentioned in this article, it will be more beneficial for you and we will also give a quick overview of what benefits will be provided to you and if you want to get complete information about any of these credit cards, then you will also find a link to a detailed review below them.
Now before knowing about these best Rupay credit cards, let us know why Rupay credit card is in such high demand?
Why should we take Rupay Credit Card?
At present, in India Rupay is the market leader and has issued more than 60 crore cards (Debit + credit) But credit cards issued are only 10 lakhs. And if we talk about the total share of total cards, then that too is with Rupay. Secondly, Rupay payment gateway is our own Indian payment network, so we must use it and it also increases our GDP.
Now Rupay has the highest market share of cards but among these, Rupay has distributed more debit cards than credit cards. Now you must be aware of the reason behind the distribution of these more debit cards because the current government has opened many Jan-Dhan accounts and zero balance accounts for the people and in them they have provided Rupay debit cards to the people only, hence the number of debit cards in Rupay is more.
But now the market share of Rupay Credit Cards will increase because Rupay credit cards are offering UPI linking and even cashbacks on UPI payment. Means no MDR and even getting cashbacks.
What are the advantages of linking Rupay Credit Card to UPI?
Now three people will benefit from linking RuPay Credit Card with UPI –
- Merchant
- Customers
- Our Country
Merchant: Now the merchant will benefit from this that many times we are not able to purchase any item just because we do not have money in our savings account, although we have our credit card with us at that time. Now in such a situation, if we have Rupay credit card, then we can easily make payment to anyone by linking it to UPI. Therefore, the customer of the merchant will not go without purchasing the goods just because he does not have money in his savings account and he will be able to purchase the goods only with the help of his credit card.
Now another benefit to the merchant will be that whenever we make payment at any shop through our credit card, we had to pay some percentage of MDR, but now with the help of Rupay Credit Card, the hassle of MDR has also ended.
Customer: Same way, the customer will also benefit because now he will be able to purchase goods directly from his credit card without worrying about the balance of his savings account. Many times, despite having a strong desire to buy an item, we are not able to buy it just because we have money in our savings account, but with the help of Rupay credit card, we can now make payment through UPI at any shop.
Our Country: Now by making payment through Rupay credit card, our country will benefit as it will increase our GDP. Now as we all know that Rupay Payment Gateway is a payment system created by the NPCI (National Payments Corporation of India) organization of our country and the UPI (Unified Payment Interface) system has also been developed by the same organization. Now, since Rupay system is indigenous, the more we consume it, the more it will benefit our economy. Now, the more we consume products manufactured in our own country, the greater will be the increase in our GDP.
Now let us know which are the best Rupay Credit Cards which you can apply for and get more benefits or which is more beneficial for a beginner –
Best Rupay Credit Card:
- HDFC Tata Neu Plus Credit Card
- HDFC Tata Neu Infinity Credit Card
- Axis Indian Oil Credit Card
HDFC Tata Neu Plus Credit Card:
Joining Fee:
Rs. 499 + Taxes
Renewal Fee:
Rs. 499 + Taxes
Best Suited For:
Tata Neu Users
Welcome Benefits:
499 NeuCoins
HDFC Tata Neu Plus Credit Card is the best credit card for UPI transactions. The best benefit given to you in this credit card is that you get cashback on your UPI transactions also. Now you can see for yourself that if you are sending money to someone through UPI and you are getting cashback on that too, then what an awesome feature this is. You get most of the benefits of HDFC Tata Neu Plus Credit Card on Tata Neu app only.
As we all know that Tata Neu app is an e-commerce platform of Tata brand where we can shop in all categories from groceries to apparel. Apart from this, we also get the facility of many other services like UPI, Payments, Invest etc. on this app. Even if you shop on Tata Neu app without this credit card, you still get 5% Neu Coins on it and the value of one Neu Coin is equal to ₹ 1. And if you shop on this app with this credit card, you get additional 2% Neu Coins.
Apart from this, another great feature of this credit card is that you will get 1% cashback or Neu Coins on all the payments you make by linking this credit card to UPI and you can earn maximum 500 Neu Coins in 1 month.
HDFC Tata Neu Infinity Credit Card:
Joining Fee:
Rs. 1,499 + Taxes
Renewal Fee:
Rs. 1,499 + Taxes
Best Suited For:
Tata Neu Users
Welcome Benefits:
1499 NeuCoins
HDFC Tata Neu Infinity Credit Card is also a very good Rupay credit card for UPI transactions and this app has also been specially designed for Tata Neu app, but many more essential features are provided to you in it. If you do shopping on Tata Neu app through this HDFC Tata Neu Infinity Credit Card, then you will get additional 5% Neu Coins and overall you will get 10% Neu Coins. Because it gives you 5% Neu Coins even without any credit card.
Apart from this, this credit card provides you 5% Neu Coins on many other partner brands, you can access the list of all these partner brands from here. Like Tata Plus Credit Card, you will get 1.5% cashback on every UPI transaction in this Infinity Credit Card and you can earn maximum 500 Neu Coins in 1 month.
Axis Indian Oil Credit Card:
Joining Fee:
Rs. 500
Renewal Fee:
Rs. 500
Best Suited For:
Fuel
Welcome Benefits:
100% Cashback on Fuel
Axis Indian Oil Rupay Credit Card is more beneficial for those people whose fuel consumption is high. Now as we can tell from the name of this credit card, this credit card is a co-branded credit card of Indian Oil Petrol Pumps. In this credit card, you are provided a great benefit in the form of welcome benefit under which, you will get 100% cashback on the first transaction related to your fuel within 30 days from the issuance date of this card. But you can earn maximum cashback of Rs 250 only.
As another feature, this credit card gives you 4% value back cashback on fuel transactions at Indian Oil petrol pumps. And the term and condition of this feature is that you can avail this offer on maximum fuel worth ₹ 5000 in a month. If you add fuel more than this then this 4% value back offer will not be applicable.