Credit, Debit, International, Prepaid and Contactless Card

RuPay Credit
RuPay ON-THE-GO

Choose your preferred bank to apply for a RuPay Credit Card and enjoy exclusive benefits, offers and more throughout the year

Get these RuPay Instant Credit Cards*

Axis Bank

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BOB Financial Solutions Limited

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HDFC Bank

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ICICI Bank

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IDFC Bank

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IndusInd Bank

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Yes Bank

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*Instant issuance is applicable to pre-qualified/existing customers of bank/issuers only.

Explore the RuPay Credit Card range

Basic features

India’s first NUMBERLESS CARD – meaning enhanced security from card theft/loss.
No Joining or annual Fee – enjoy all benefits of credit card at 0 cost.
CC on UPI – Now link your Fibe Axis Bank credit card to UPI for hassel-free transactions.
3% cashback on online Food Delivery, online Entertainment, and local commute.
1% cashback on all other transaction (except for some excluded categories)
1% Fuel Surcharge waiver for txn between ₹400 – ₹5000. Max waiver up to ₹400/- per month
4 domestic lounge access (1 per quarter)
Enjoy up to ₹500/- off on partner Restaurants via EazyDiner.

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Basic features

100% cashback up to ₹250 on all fuel spends within first 30 days of card issuance.
20 reward points per ₹100 on fuel spends on IOC Terminal.
5 reward points per ₹100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: ₹100
1 rewards points per ₹100 spent on all other spends. Maximum eligible spends 5000/month
1% Fuel surcharge waiver is applicable for fuel spends between 200 to 5000.
Annual Fee waived off if spends more than 50000 per year.
10% instant discount for movie ticket booked via BookMyshow website.
Enjoy up to 15% Discount on partner Restaurants via EazyDiner

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Basic features

Complimentary SonyLIV Annual Premium Subscription worth ₹999 on first spends within 30 days of card issuance*
Flat ₹120 off* on Swiggy food delivery. Applicable 2 times a month, min. txn of ₹500
Buy One Get One Free* on Paytm Movies. Applicable once a month, max discount ₹200
Up to ₹1000 off* on AJIO on min. txn of ₹2999. Applicable on select styles.
4 EDGE REWARD points per ₹200* on all spends except movies, wallet, fuel, insurance, rent, utilities, education, government institutions and EMIs.
1% Fuel Surcharge waiver* across petrol pumps on spends between ₹400 and ₹4000. Max. benefit of ₹400 per statement cycle
4 complimentary access* to select Domestic Airport Lounges: One per calendar quarter.
Up to 15% discount* on partner Restaurants via EazyDiner

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Basic features

Activation benefit : 100% cashback up to ₹300 on first utility bill payment within the first 30 days of card issuance*
Zomato : 40% off* on Zomato, up to ₹120, valid twice a month, min transaction ₹200 Promo Code: AXISNEO, Free delivery on restaurants not eligible for above offer *
Amazon pay : 5% off on utility bill payments(Mobile recharge/DTH recharge/Broadband Bill payment) done via Amazon Pay, max discount ₹150 per month valid once a month*
Blinkit : 10% off on Blinkit, max discount ₹250 per month, min transaction ₹750, valid once a month*
BookMyShow: 10% off on every movie ticket purchase from BookMyShow, Max monthly benefit ₹100*
Myntra : Extra ₹150 off on min buy of ₹999 on select styles, Coupon code: MYAXISBANK23. Redirection/Redemption

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Basic features

Joining Fee: ₹500/-
Annual fee – ₹350/-
Up-to 20X reward points on 1AC, 2AC, 3AC, CC or EC class booking for ticket purchases at IRCTC website www.irctc.co.in
2X i.e. 4 reward points on every ₹100 spent on groceries and departmental stores
Get 1000 activation bonus Reward Points on single transaction of ₹1000 or more within 45 days of card issuance ( Worth ₹250)
Complimentary Domestic and international Lounge Program.

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Basic features

Up to 5% Savings on Fuel at HPCL retail outlets
Joining Benefit of 2000 Reward Points
25% Off on Movie Tickets
Complimentary Domestic Lounge Program (4 in a year)
10 Reward Points for every ₹150 spent on Utility, Grocery & Departmental stores

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Basic features

5% Unlimited Cashback on Snapdeal
SnapDeal Shopping vouchers worth up to ₹500 on Activation within 30 days
10 Reward Points on Everyday Spends on Groceries, Online Shopping & departmental stores
All your accumulated Reward Points will be auto-credited as cashback to the monthly statement. 1 Reward Point = ₹0.25

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HDFC RuPay BizFirst Business Credit Card

Basic features

Convert your large purchases to EMI & get 3% CashPoints
2% CashPoints on Utility Bills, Electronics, Bill Payments via SmartPay & PayZapp
1% CashPoints on UPI spends
Milestone Benefit - Get 2000 Bonus CashPoints on quarterly spends of ₹75,000
SmartBuy Benefit – 5% cashback on amazon/Flipkart vouchers on SmartBuy
Swiggy-Dineout - Save upto 7.5% on dining bills

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Basic features

Benefits on business spends - 10X CashPoints/ Monthly savings of ₹450 on
- Spends on DMart & ClearTax
- Bill payments via PayZapp – Electricity, wifi, broadband, insurance, mobile pre-paid etc.
- Income Tax and GST Payments
- Flight & Hotel booking via MMT MyBiz powered by SmartBuy BizDeals
Milestone Benefit - Get 2000 Bonus CashPoints on quarterly spends of ₹1 lakh
SmartBuy Benefit - 5% cashback on purchase of Amazon/ Flipkart vouchers

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HDFC RuPay BizPower Business Credit Card

Basic features

Welcome Benefit - Amazon Prime Annual Membership (₹1500) + Biz Prime Subscription
Complimentary Airport Lounge access - 16 Domestic & 6 International in a year
Benefits on business spends - 5X Reward Points/ Monthly savings of ₹3,250 on
- Ad spends on Google Ads & Meta Ads + Purchases on Reliance Digital
- Flight & Hotel booking via MMT MyBiz on SmartBuy BizDeals
- Income Tax and GST Payments
- Bill payments via PayZapp – Electricity, wifi, broadband, insurance, mobile pre-paid etc.
Milestone Benefit - MakeMyTrip / Reliance Digital Gift Voucher worth ₹2,500 on quarterly spends of ₹2.5 Lakhs
Swiggy-Dineout - Save upto 7.5% on dining bills

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Basic features

Earn 3% Reward points on every Shoppers Stop spends (Monthly capping of ₹500)
Earn 1% Reward points on every Non-Shoppers Stop spends (Monthly capping of ₹1000)
Complimentary Shoppers Stop Silver Edge membership worth ₹350
Shoppers Stop Welcome voucher worth ₹500
Additional ₹2500 annual savings on weekend shopping at Shoppers Stop
Joining/Renewal Membership Fee – ₹299/- plus Applicable Taxes

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Basic features

Earn up to 50 Litres of Free fuel annually
Earn 5% of on spends as Fuel Points at IndianOil outlets
Earn 5% of on spends as Fuel Points on Groceries and Bill Payments
Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes

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Basic features

7% NeuCoins on Tata Neu (Including 5% NeuCoins with NeuPass membership)
2% NeuCoins at Partner Tata Brands (Online & in-store purchases)*
Partner Tata Brands – bigbasket, Croma, Tata 1mg, Air Asia, Tata CliQ, Westside, Taj Hotels, Vivanta Hotels, Ginger Hotels, Qmin, Tata Play, Tata Pay, Cult (Cultfit, Curefit), Titan, Tanishq
2% NeuCoins on bill payment & recharges through Tata Neu
1% NeuCoins on other spends
Redeem Neucoins (1 NeuCoin = ₹1) for purchases at Partner Brands
Complimentary lounge access - 1 per quarter at Domestic airport lounges
1% fuel surcharge waiver
Welcome benefit of 499 NeuCoins (applicable only on paid card)
Get the renewal fee waived off on minimum spend on ₹1,00,000 in previous year

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Basic features

10X CashPoints on your favourite merchants - Big Basket, BookMyshow, OYO, Swiggy & Uber ( Maximum of 2,500 CashPoints can be earned in a calendar month )
5X CashPoints on EMI spends at merchant locations ( Maximum of 2,500 CashPoints can be earned in a calendar month )
1 CashPoint for every ₹150 on other spends ( Excluding fuel, Wallet / Prepaid Card loads or Voucher Purchases )
Upto 20% discount on partner restaurants via Swiggy Dineout

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Basic features

10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints per ₹150 spent on other spends (Excluding fuel, wallets loads/prepaid card loads & voucher purchases)
Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
Upto 20% discount on partner restaurants via Swiggy Dineout

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Basic features

Welcome Benefit: Get ₹500 Gift Voucher on card activation by performing 1 transaction of any amount within first 37 days of card issuance
Key IRCTC Benefits (www.irctc.co.in)
- 5 Reward Point for every ₹100 spent on IRCTC ticketing website and Rail Connect App
- Reward Point for every ₹100 spent on all other spends.
- 8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter).
- 1% Transaction charges waiver on transactions done on IRCTC ticketing website and Rail Connect App. (Maximum waiver of ₹1,000 per statement cycle)
Cashback benefit: Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy (https://offers.smartbuy.hdfcbank.com )
Fuel Surcharge Benefit: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)
Redemption Benefit: The redemption against the train ticket booking at the rate of 1 Reward Point = ₹1
Milestone Benefit: Get additional Gift voucher worth ₹500 on quarterly(every 90 days from the issuance date) spends of ₹30,000 or more.
Annual Fee Waiver Benefit: Spend ₹1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.

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Basic features

Earn 2 Reward Points, on every ₹100 spent on your card (except fuel)
Earn 1 Reward Point, on every ₹100 spent on utilities and insurance categories
Under the new ICICI Bank Milestone Rewards programme, get 2000 Reward Points on spending ₹2,00,000 on your card & 1,000 Reward Points, each time you cross ₹1,00,000 spend, thereafter, in an anniversary year; maximum of 10,000 Reward Points, per year
Get one complimentary access to select airport lounges in India, each quarter*
Get one complimentary access to select railway lounges in India, each quarter
Avail of a discount of 25%, up to ₹100, on a minimum purchase of two movie tickets, per transaction on BookMyShow & Inox( Offer can be availed twice in a month )
Personal Accident insurance cover of ₹2 lakh*
24x7 Concierge services*
The finest dining experiences now come with equally impressive savings. Make use of exclusive offers on dining, through ICICI Bank Culinary Treats Programme. For details, visit www.icicibank.com/culinarytreats

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Basic features

Enhanced Security: Our credit cards come equipped with advanced security features, including EMV chip technology, block/unblock channel at your fingertip.
Rewards-DCB Payless Credit Card experience with extraordinary rewards.
DCB Payless Credit Card Platinum, enjoy ₹250 cashback on minimum spend of ₹50,000 in one calendar Quarter. DCB Payless Credit Card Select, enjoy ₹1,000 cashback on minimum spend of ₹1,00,000 in a calendar Quarter.
Lounge access- DCB Payless Platinum Credit Card, - complimentary domestic airport lounge access once per Quarter. DCB Payless Select Credit Card, complimentary domestic lounge access twice per Quarter and international airport lounge access once per year
Higher credit limits- Get credit limit upto 90% of your collateral value.
Contactless Card- Convenient Shopping with just tap and Pay.

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ICICI Bank HPCL Super Saver RuPay Credit Card

Basic features

Joining & Annual fee- ₹499 + GST
Upto 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% fuel surcharge waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App.
Get 2000 bonus reward points on spends of ₹5000 within 60 days of issuance.
10 Reward Points for every ₹150 spent on Utility, Grocery & Departmental stores and 2 Reward Points for every ₹150 spent on other categories.
4 complimentary airport lounge access per year (1 per quarter) at partner domestic lounges
25% off upto ₹100 on purchase of minimum 2 tickets per transaction at Paytm Movies
Annual Fee reversal on spending ₹50,000 in every anniversary year.

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Basic features

Up to 175 litres fuel worth ₹18,000 annually
₹500 cashback on 1st HPCL fuel transaction
Up to 6.5% savings on fuel spends
5% savings on Grocery, Utility & IDFC FASTag recharge
3X Rewards on other retail spends
Airport lounge access, Movie discounts & Road-side Assistance
Never expiring Rewards
Low & Dynamic Interest rates starting at 9% per annum
0% Interest on ATM Cash Withdrawals until due date
Total welcome benefits worth ₹1,650
Joining Fee of ₹499 + GST
Annual fee ₹499 + GST, waived-off on ₹1,50,000 spends in the anniversary year

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Basic features

Get up to 65 litres free fuel annually
₹250 cashback on 1st HPCL fuelling + other welcome benefits worth ₹1,650
Up to 5% savings on fuel spends,
2.5% savings on Grocery, Utility & IDFC FASTag recharge
3X Rewards on other retail spends
Road-side Assistance & Insurance cover
Never expiring Rewards
Low & Dynamic Interest rates starting at 9% per annum
0% Interest on ATM Cash Withdrawals until due date
₹199 annual fee, waived-off on ₹50 thousand spends in the anniversary year

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Basic features

EARN 2 REWARD POINTS ON EVERY ₹100 SPENT ON UPI TRANSACTIONS
EARN 1 REWARD POINT ON EVERY ₹100 SPENT ON NON UPI TRANSACTIONS
1% FUEL SURCHARGE WAIVER**
Life Time Free Credit Card
TnC Apply

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Basic features

Get one assured complimentary movie ticket upto ₹ 200/- every 6 months in a calendar year via BookMyShow
Get 1% cashback on all retail spends upto ₹ 200 in every statement cycle. Total spends of ₹ 20,000 will be eligible for cashback in a statement cycle.
1% Waiver on Railway Surcharge on Transactions up to ₹ 5,000
1% Fuel surcharge waiver on transactions between ₹ 400-₹ 4000
Nil Cash Advance fee

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Basic features

Earn up to 8 reward points on every ₹150 spent
Get 4 free PVR tickets or 10,000 Reward Points on spends of ₹1,25,000 every 6 months
Unlock convenience with Kotak Credit Card for all UPI related payments
1% Fuel surcharge waiver up to ₹3,500 annually
Railway surcharge waiver up to ₹500 annually

Basic features

Get 8 complimentary Dream Folks Airport Lounge visits annually within India (Domestic terminals) @ 2 visits per quarter
Get 2500 Mojo points every quarter on spending ₹75,000. Valid for the first year only.
Earn unlimited 2.5 Mojo points for every ₹100 on online spends.
Earn unlimited 1 Mojo point for every ₹100 on all other spends.
Get waivers on fuel and railway spends with the Mojo Rupay credit card

Basic features

Save 5% on IndianOil fuel spends
2% back as Reward Points on Grocery and Dining spends
1000 Reward Points as welcome benefit on spending ₹500 within 30 days of card issuance
Annual fee of ₹449 waived on spending ₹50,000 in the previous anniversary year.

Basic features

Joining Fee – Primary: ₹2000/-
Joining Fee – Add on Card: NIL
Annual Fee – Primary: ₹2000/-
Annual Fee – Add on Card: NIL
Renewal Fee: NIL
300+ Reward Points on activation
Insurance Coverage upto ₹2 Lacs for Accidental Death and Personal Total Disability
Complimentary Domestic & International Airport Lounge Access.
Flat 10% off Upto ₹1,000 on domestic flight bookings | NO MOV (Minimum order value)
Flat 10% off Upto ₹5,000 on international flight bookings | NO MOV
Flat 20% discount Up to ₹5,000 on domestic hotel bookings | NO MOV
Flat 20% discount Up to ₹10,000 on international hotel bookings | NO MOV

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Basic features

No Annual and joining Fees( if card is used once in a quarter)
300+ reward points on 1st usage
Comprehensive Insurance Coverage upto 2 L
Cashback @2% for all transactions over and over ₹2500. Subject to a ceiling of ₹50/- per Txn at Patanjali stores
5-7% additional cashback given by Patanjali Ayurved Ltd. To Patanjali Swadeshi Samridhi Card customers on recharge using PNB Patanjali CC
Facility of linking CC on UPI
Complimentary domestic & international Lounge Access

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Basic features

No Annual and joining Fees( if card is used once in a quarter)
300+ reward points on 1st usage
Comprehensive Insurance Coverage upto 10 L
Cashback @2% for all transactions over and over ₹2500. Subject to a ceiling of ₹50/- per Txn at Patanjali stores
5-7% additional cashback given by Patanjali Ayurved Ltd. To Patanjali Swadeshi Samridhi Card customers on recharge using PNB Patanjali CC
Facility of linking CC on UPI
Complimentary domestic & international Lounge Access
Complimentary Premium Health Check Up Package, golf & Spa sessions and Gym membership Comprehensive Insurance Coverage upto ₹10 Lacs.

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Basic features

Minimum Joining Fees
NIL Annual Fee if spends on the card is ₹1 Lacs during previous financial year
NIL Renewal Fee
Max. 2 Add on Cards
Comprehensive Insurance Coverage upto ₹10 Lacs.
Complimentary Domestic and International Lounge Access.
Premium Health Check Up Package
Complimentary Golf and Spa Sessions
Complimentary Gym Membership
24/7 Concierge Services available
Interest Free Period from 20 Days to 50 Days from Date of Transaction
Convenient Mobile App “PNB GENIE” – One Stop Solution
Limit: Min ₹50,000 and Max. ₹10 Lacs

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Basic features

NIL Joining Fees
Low Annual Fee. Waived if card is used once in each quarter
NIL Renewal Fee
Lucrative Reward Points with 300+ Reward Points on Activation
Max. 2 Add on Cards at No Extra Cost
Comprehensive Insurance Coverage upto ₹2 Lacs.
Complimentary Domestic and International Lounge Access.
300+ Merchant Offers
Interest Free Period from 20 Days to 50 Days from Date of Transaction
Convenient Mobile App “PNB GENIE” – One Stop Solution
Limit: Min ₹25,000 and Max. ₹5 Lacs

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Basic features

Minimum joining fees - ₹500/-
Annual fee – NIL ( if card is used one in a quarter)
300+ reward points on 1st usage
2X rewards points on retail merchandise
Convenient mobile app "PNB GENIE" - One Stop Solution
Complimentary Domestic and international Lounge Program
Exclusive cash back in utility bills, eateries and restaurants etc
Comprehensive insurance coverage
24/7 concierge services
300+ merchant offers

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Basic features

Welcome Gift : Get 350 activation bonus Reward Points on single transaction of ₹500 or more within 45 days of card issuance. Fuel and Cash spend are not included
ValueBack Benefits : Buy tickets through irctc.co.in & IRCTC Mobile App (for Android only) for AC1, AC2, AC3 and AC CC and earn up to 10% Value Back as Reward Points
Reward Benefits : Get 1 Reward point for every ₹125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
Travel Offers from IRCTC
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- Log on to irctc.co.in and avail exclusive travel privileges
- Book your airline tickets with IRCTC at unbeatable prices
Fuel Surcharge Waiver : Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of ₹500 - ₹3,000, exclusive of GST and other charges
Railway Lounge Program
- Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
- To avail the offer, please use your IRCTC SBI Card (on RuPay platform) at the respective lounges

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Basic features

2,000 bonus reward points on spends of ₹2,000 in first 60 days
Enjoy 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores and Grocery Spends
Annual fees reversal on spends of ₹1,00,000 and above
1% fuel surcharge waiver across all petrol pumps

Basic features

Welcome Benefit-Get Reliance Retail Voucher worth of ₹500/- on payment of joining fees.
Milestone Benefit-Waiver of renewal fees on annual spends of ₹1 Lac in the previous year.
₹500/- worth Reliance Retail Voucher on Annual Spends of ₹25,000/- at participating Reliance Retail Stores
5 Reward Points per ₹100/- spent on the participating Reliance Retail Stores
1% surcharge across all petrol pumps in India, for transactions between ₹500/- and ₹4,000/- exclusive of GST and other charge

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Basic features

Welcome Benefit-Get Reliance Retail voucher worth of ₹3,000/- on payment of joining fees.
Milestone Benefit-Waiver of renewal fees on annual spends of ₹3 Lac in the previous year.
₹1,500/- worth Reliance Retail Voucher on Annual Spends of ₹75,000/- at participating Reliance Retail Stores.
10 Reward Points per ₹100/- spent on the participating Reliance Retail Stores.
Book my show-1 Movie ticket a month worth ₹250/-
8 complimentary Domestic Airport Lounges per calendar year (max. 2 per quarter).
4 complimentary International Airport Lounges per calendar year (max. 2 per quarter available from 25th Feb’24 onwards).

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Basic features

8 Reward Points on every ₹200 on travel and dining categories
Upto 4 Reward Points on spend of ₹200 on other Categories
Preferential Foreign Currency Markup of 2.75% on all international spends
1% Fuel surcharge waiver at all fuel stations across India

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Basic features

No Joining Fee
₹5000 worth Joining Benefits
10% coins back on every ₹100 spent on online transactions
2% coins back on every ₹100 spent on offline transactions
5% instant coins back on every transaction using POP credit card on POP UPI

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RuPay Credit Cards (only applicable for existing bank users)

Basic features

No joining fee
Link your RuPay credit card to any UPI app for merchant payments
Complimentary access to domestic and international lounges
Free personal accident insurance coverage up to ₹10 lakh
Lost Card Insurance Coverage up to ₹1.50 Lakhs.
1% reimbursement on fuel purchases up to maximum of INR 100 per month/per card
Earn 4 Reward Points on every ₹100/- spent
Exclusive offers on partner merchants
Annual Maintenance Charges is waived on spending of ₹50,000 in 1 year.

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Basic features

Joining fee ₹999/-
Link your RuPay credit card to any UPI app for merchant payments
Complimentary access to domestic and international lounges
1 Complimentary premium health check up in a year. Discounted health check-up facility thereafter
1 Complimentary premium Spa session in a year. Discounted on additional sessions throughout the year
Complimentary Golf lesson/round in a year. Discounted access from 2nd visit onwards.
15 days/1-month free Gym membership. 40-50% discounted price on extension of membership
Free personal accidental Insurance coverage of ₹10.00 Lakh.
Lost Card Insurance Coverage of up to ₹1.50 lakhs.
Reward Points on every ₹100 spent, 4 points on Dining, Shopping, Groceries and Departmental stores, Apparels and 2 points on other non-fuel spends.
Waiver of fuel purchase surcharge, 1% up to ₹100/- per month.
Exclusive offers on partner merchants
Annual maintenance charge is waived on spending of ₹1.00 Lakh in 1 year.

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Basic features

No joining fee
Link your RuPay credit card to any UPI app for merchant payments
Free personal accident insurance coverage up to ₹2 lakh
Lost Card Insurance Coverage up to ₹1.50 lakhs.
1% reimbursement on fuel purchases up to maximum of ₹100 per month/per card
Reward Points on every ₹100/- spent, 2 points.
Exclusive offers on partner merchants
Annual Maintenance Charge is waived off on spending ₹30,000 in a year.

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Basic features

Joining fee ₹499/-
Link your RuPay credit card to any UPI app for merchant payments
Complimentary access to domestic and international lounges
Medical services, including long-term patient-doctor relationship, diagnostic tests, palliative care, physiotherapy/nurse/doctor services, hospital tie-up chains, and senior living
Additional medical coverage for dental, vision, hearing, orthodontics, and cosmetic surgery
Medical products, such as OTC diagnosis products, medical supply delivery aggregators, and wearables
Lifestyle options, such as fitness club memberships, online fitness apps, spa/yoga, and recreational retreats.
Free personal accident insurance coverage up to ₹10 lakh
Lost Card Insurance Coverage up to ₹1.50 lakhs
Earn 2 reward points for every ₹100 spends
Waiver of fuel purchase surcharge, 1% up to ₹100/- per month
Exclusive offers on partner merchants
Annual maintenance charge is waived on spending ₹50,000/- in a year

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Basic features

Joining fee ₹499/-
Link your RuPay credit card to any UPI app for merchant payments
Welcome bonus of up to ₹300 on fuel purchase worth ₹300 or more within 60 days of card activation.
Earn 4% cashback on fuel purchases of ₹500/- or more at authorized HPCL outlets. Plus, get 1.5% cashback in the form of HPPay reward points when you use the HPPay app to make fuel payments.
Avail waiver of fuel purchase surcharge, 1% up to ₹100/- per month (on transaction value of ₹200 and above at HPCL outlets).
Free personal accident insurance coverage up to ₹10 lakh
Lost Card Insurance Coverage up to ₹1.50 lakhs
Earn 2 reward points for every ₹100 spent on non-fuel transactions
Exclusive offers on partner merchants
Annual maintenance charge is waived on spending ₹1.00 lakh in a year

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Basic features

No Joining Fee
Link your RuPay credit card to any UPI app for merchant payments.
Complimentary access to domestic and international airport lounges
Free personal accident insurance coverage up to ₹2 lakhs
Earn 2 reward points for every ₹100 spends.
Waiver of fuel surcharge 1% up to ₹100/- per billing cycle
Annual maintenance charge is waived on spending ₹30,000/- and above in previous year.
Discount vouchers on Nykaa, Flipkart, Myntra, Lakme Salon, Ixigo, Book My Show, Big Basket every quarter.
Swiggy One, Urban Clap membership and Health checkup once in a year

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By pressing on Apply Now you accept all Terms and Conditions

RuPay Credit Card Live Banks

The Trophy Trouble | #LinkItForgetIt

The Girls Trip | #LinkItForgetIt

The Date | #LinkItForgetIt

Season 2023

Things you can buy with RuPay Credit Card on UPI

The Parked and the Furious | Will our hero make the great escape?

The Slippery Spy | Will a unique disguise save him?

Chaos in the Museum! Catch Dinesh Karthik in action as he tries to save the day

Stranded in the deep! Will someone be able to give a helping hand?

Season 2022

One tap too many? feat. TATA IPL Batsmen | RuPay

Be On-The-Go with RuPay - The Appeal

Be On-The-Go with RuPay - Bus

Be On-The-Go with RuPay - Drive thru

Be On-The-Go with RuPay - Grocery

Be On-The-Go with RuPay - International

Why RuPay On-The-Go?

For quick On-The-Go payments on the metro, bus, and when parking.

To skip ticket queues, and not your breakfast.

To take the hassle out of the journey.

For secure payment methods.

To have one card that works on multiple modes of transport across India and that also works for retail payments.

Yup, just one card. Really!

RuPay On-The-Go Is Everywhere

Metros

Buses

Parking

Events

Retail

Restaurants

ATM Withdrawals

You seem curious. Here’s some more info.

The National Common Mobility Card (NCMC) is a feature that creates a stored value in your existing RuPay contactless debit, prepaid or credit card. This offers smooth, secure and hassle-free transactions On-The-Go.

It supports payments for public transit such as metro, bus, parking, as well as retail payments. So, you can travel and shop and travel some more - all with one card. Convenient and integrated, this card works across different cities in India for an endless number of commutes. Oh, and it works for ticketing without needing active internet access.

Wherever, whenever, Just RuPay On-The-Go it.

You can use it in

Click here to know more regarding the above live projects

Sr. No	Transit Operator Name	Mode	Exclusive/Non-Exclusive	Acquiring Bank	RuPay cards accepted	Payments options available at stations to load NCMC
1	Assam State Transport Corporation (ASTC)	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash
2	Aurangabad Bus	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash
3	Bangalore Metro Rail Corporation Limited (BMRCL)	Metro	Non-Exclusive	RBL Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
4	Brihanmumbai Electricity Supply and Transport Undertaking (BEST)	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash
5	Chennai Metro Rail Limited (CMRL)	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,Any Debit/Credit/Prepaid cards
6	Delhi Metro Rail Corporation (DMRC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
7	Gujarat Metro Rail Corporation Limited (GMRC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
8	Haryana Roadways	Bus	Non-Exclusive	AU Small finance Bank	All NCMC certified banks	UPI,Any Debit/Credit/Prepaid cards
9	Himachal Road Transport Corporation	Bus	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash
10	Jammu City Buses	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash
11	Kadamba Transport Corporation Limited (KTCL) (Goa Transport)	Bus	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
12	Mumbai Metro One Private Limited (MMOPL) (Mumbai Metro 1) Reliance Metro	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Not Available
13	Mumbai Metropolitan Region Development Authority (MMRDA) Mumbai Metro Line 2A & 7	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
14	National Capital Region Transport Corporation (NCRTC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
15	Srinagar Smart City Buses	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash
16	Uttar Pradesh Metro Rail Corporation (UPMRC)	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards
17	Noida Metro Rail Corporation Limited (NMRC)*	Metro	Exclusive	State Bank of India	State Bank of India	Cash,UPI,Any Debit/Credit/Prepaid cards
18	Nagpur Metro Rail Corporation Limited (NMRCL)*	Metro	Exclusive	State Bank of India	State Bank of India	Cash,UPI,Any Debit/Credit/Prepaid cards
19	Ahmedabad Janmarg Limited (Janmitra Bus)*	Bus	Exclusive	ICICI Bank	ICICI Bank	Cash,UPI,Any Debit/Credit/Prepaid cards
20	Surat BRTS*	Bus	Exclusive	ICICI Bank	ICICI Bank	Cash,UPI,Any Debit/Credit/Prepaid cards
21	Kochi Metro Rail Limited (KMRL)*	Metro	Exclusive	Axis Bank	Axis Bank	Cash,UPI,Any Debit/Credit/Prepaid cards
22	Pune Metro*	Metro	Exclusive	HDFC Bank	HDFC Bank	Cash,UPI,Any Debit/Credit/Prepaid cards

Note -

@ Exclusive NCMC project means a single bank is selected by a transit operator who acts as issuer as well as acquirer.
@ Non-Exclusive NCMC project means any RuPay NCMC is accepted by the transit operator.
@ Issuer banks have provided money add option using internet banking/mobile banking to add money to the NCMC virtual account. After this the customer has to perform balance update transaction through any Add Value Machines (AVMs)/PoS terminals to write the amount on the card.
* NCMC cards of other banks will also get accepted in future as decided by Authority.

How to get RuPay On-The-Go Cards?

Prepaid Cards

Apply for a RuPay Prepaid Card at the metro station and bus depot. This card can be used for transit and retail payments.

Get a RuPay Prepaid MTS Card from instant dispensing machines or counters at the metro stations and bus depots. This is a ready to use card and can be used only for transit purpose.

Debit Cards

Check if your current RuPay Debit Card is from the below bank list and activate it for transit. If it is not, please visit any bank branches of the mentioned banks and apply for a new card.

Credit Cards

Check if your current RuPay Credit Card is from the below bank list and activate it for transit. If it is not, apply for a new RuPay Credit Card of the mentioned banks on rupay.co.in or bank website/app or bank branches.

How to activate a RuPay Debit and Credit Cards for transit?

Step 1

Check whether your RuPay Card is contactless. Look for the above symbol on your card. And confirm if your bank is from the below list. If the contactless symbol is missing on a RuPay Card then visit your bank branch to apply for a new contactless card.

Step 2

Enable contactless/offline transactions on your card through your bank's mobile or internet banking.

Step 3

Visit a metro station and ask the operator to activate your card for NCMC

Activate by using bank application and your phone NFC.

Step 1: Open Bank app/UPI app/Partner app and click on RuPay On-The-Go/NCMC
Step 2: Click on activation and enable NFC
Step 3: Tap your RuPay debit card/Credit card on the back of your smartphone

Banks and Partners live:

Disclaimer:

The highlighted banks are also live with RuPay Prepaid MTS Cards.

How to top up your card?

Option 1: Top-up at metro station or bus depot/conductor machine

Go to a metro station or bus depot/ bus conductor machine and pay via cash/debit or credit card/UPI to add money to your stored value

Option 2: Top-up using online channels

Log into your bank's internet or mobile banking app/UPI app/Bharat Connect platforms/Partner apps and add money to your card.

After adding the funds, tap your card on an add value machine at the metro station or use your NFC phone to load the transferred amount onto your card. Steps to use your NFC enabled smartphone:

Step 1: Open Bank app/UPI app/Partner app and click on RuPay On-The-Go/NCMC
Step 2: Click on update balance and enable NFC
Step 3: Tap your RuPay card on the back of your smartphone

How to check your transit balance?

You can check your card balance by:

Tapping your card at the bus conductor’s ticketing machine.

Tapping your card at the add value machine

Tapping your card on the back of your NFC enabled smartphone.

Step 1: Open Bank app/UPI app/Partner app and click on RuPay On-The-Go/NCMC
Step 2: Click on check balance and enable NFC
Step 3: Tap your RuPay card on the back of your smartphone

Also, now pay with anything (not kidding)!

A sudden wave of panic overcomes you when you realise you’ve left your wallet at home.

Well, not anymore.

RuPay cardholders can pay for anything, anywhere, even when their wallets (and cards) are at home.

With RuPay On-The-Go, any device - from keychains and wristbands to rings, stickers and more - can be turned into a wallet. Just link, tap, pay and go. It’s easy, secure, and did we say easy?

Experience the new way to pay.