What are the benefits of a RuPay credit card?

With a RuPay credit card, you can apply for an EMI facility and convert your past purchases into EMIs through the linked UPI App. Additionally, you can make one-time payments or set up UPI AutoPay for credit card bills, and also request an increase in your credit limit as per your spending patterns.

You also get a lot of other benefits, like cashback, offers, and discounts at selected restaurants and movie theatres, lounge access, etc.

What is a lifetime free RuPay Credit Card?

A lifetime free RuPay credit card is one where the annual maintenance charges are waived off for the entire usage of the card, providing the benefits of a credit card without the added cost.

Steps to apply for a RuPay credit card Online

1. Applying for a RuPay credit card online is a simple process.
2. Visit the bank's website and go to the cards section.
3. You can select the type of card as per your requirement.
4. Fill in the application form with the necessary details.
5. Attach the required documents and submit.

What are the eligibility criteria for applying for a RuPay credit card?

The RuPay credit card eligibility varies from bank to bank.

But here are some of the common eligibility points that you will need to get RuPay credit cards:

1. You must be over 21 years of age. Some banks may allow you to have a card at 18, but it depends on the policies of bank.
2. You must be a citizen of India.
3. You must be a salaried or self-employed individual.
4. Different banks have different limits on what the annual salary of the individual should be.

Offers on RuPay Credit Card

Most RuPay credit card offers include cashbacks, discounts on dining, shopping, travel, and more. Specific offers depend on the card type and issuing bank.

Required documents to apply for a RuPay credit card

Here’s how the RuPay credit card online application process works:

1. Proof of identity: You need to have one of these documents – Aadhar card, Voter’s ID, PAN card.
2. Proof of address: You need to have one of these documents – Passport, Voter’s ID, utility bills, Driver’s Licence, rental agreement, etc.
3. Income proof: You need to submit your salary slips and bank statements for the same.

Fees and charges of a RuPay credit card

The fees and charges of a RuPay credit card include annual fees, cash withdrawal fees, late payment charges, and more. However, these may vary as per the issuing bank and card type.

How to choose the right RuPay credit card?

To choose the right RuPay credit card, consider your spending habits, the card's features, benefits, fees, and charges. Also, check the card's acceptability and customer reviews.

List of Best 10 RuPay Credit Cards

The list of 10 best RuPay credit cards may vary based on the features, benefits, fees, and individual preferences. Therefore, it's recommended to check with the issuing banks for the most suitable options.

1. Axis Fibe Axis RuPay Credit Card
2. Edge CSB Bank RuPay Credit Card on UPI
3. HDFC RuPay Shoppers Stop Credit Card
4. HPCL ENERGIE RuPay BOBCARD
5. ICICI Bank HPCL Super Saver RuPay Credit Card
6. IDFC First Power Plus RuPay Select Credit Card
7. IndianOil HDFC Bank Credit Card
8. IRCTC RuPay BOBCARD
9. Kotak IOCL RuPay Credit Card

10.LIC CSL Co-branded RuPay Credit Card - Eclat