What is a life time free credit card ?
Best rupay credit card lifetime free means there are no yearly maintenance or joining costs associated with the credit card. However, what is a lifetime no cost credit card? Some credit cards from best rupay credit card waive fees after a certain number of transactions within a year; they are not credit cards that never expire.
For instance, a credit card that waives annual fees upon completing a transaction of Rs. 50,000 in a single year is not considered a lifetime free credit card. Additionally, some credit card issuers will grant you a free credit card for a year, after which you will be charged fees. These credit cards are also not free for life.
Where RuPay Credit Card Accepting?
Rupay cards are widely accepted across India, making them a convenient choice for domestic transactions. From local grocery stores to popular e-commerce platforms, POS Terminals Rupay cards seamlessly fit into your everyday spending. With Rupay gaining prominence, more merchants are embracing this payment method.
So, whether you’re shopping online or grabbing essentials from your neighborhood store, rest assured that your Rupay credit card is likely to be welcome.
Rupay Credit Card Link To UPI App’s
The NPCI ( National Payment corporation of India ) allowed the linkage of RUPAY CREDIT CARDS to the UPI in 2022.
With this feature you can simply scan the QR (Quick Response) Codes at all merchant outlets and pay with the your credit card via UPI App’s
Giude for Link Rupay Credit Card To UPI App's
Step 1 – Register on UPI App’s (BHIM, PAYTM, PHONEPE, GPAY, FREECHARGE, ETC You can download these apps from Google Play store).
Step 2 -Choose ‘Credit Card’ from linking option.
Step 3 -Select your Issuing bank from the menu list. Marked Credit card associated with your mobile number will show on screen.
Step 4 -Choose the card you want to link and Confirm the Selection.
Step 5 -Generate a UPI PIN and complete the Process.
Best RuPay Credit Card in India
List of Best RuPay Credit Cards for UPI
AXIS BANK RUPAY CREDIT CARD :-
- Category – Fuel (Indian Oil)
- 1 Earn 100% cash back up to Rs 250 on first fuel transaction performed on your credit card within first 30 days of card issuance.
- 2 benefit of 4% value back on fuel transactions by earning 20 reward points per Rs 100 sent at an Indian oil petrol pump in India .
- Transaction in India IOCL fuel outlet between Rs 100 to 5000 per month to avail this offer
- 3 benefit of 1% value back on online shopping by earning 5 point reward per Rs 100 spent.
- Transaction at online merchartns between Rs100 to Rs 5000 to avail this offer.
- Maximum eligible spends per statement month Rs 5000.
- 4 Get 1% surcharge waiver of fuel use on Fuel spends in India at any fuel outlet between Rs200 to Rs 5000 to avail this offer.
- 5 10% instant discount for movie ticket booked via Bookmyshow Website.
- 6 Up to 15% discount on partner Restaurants via EazyDiner
HDFC RUPAY CREDIT CARD :-
- Category – Fuel (Indian Oil)
- Earn 5% of spends as Fuel Points on Indian Oil fuel station
- Surcharge waiver of 1% on all fuel transactions
- Annual fee of 500+GST waiver if annual spends exceed Rs 5000 in the previous year.
- On Indian Oil petrol pump Get upto 250 fuel reward points every month for the first 6 months and post 6 months get 150 fuel reward points.
ICICI BANK RUPAY CREDIT CARD :-
- Category – Fuel (HPCL)
- 4% cash back of up to Rs 200 per month on fuel purchases at HPCL stations.
- 5% back as reward points max 400 points per months on grocery, departmental stores and utility spends, including government transactions.
- 2 Reward points on each Rs 100 spent on retail purchases, expect fuel, departmental store and utility.
- Rs100 cash back on HP Pay App on successful Recharge transaction pf at least Rs.1000.
- 1% cash back on fuel surcharge applicable on all fuel spends of up to Rs. 4000, , additional 1.5% back as Loyalty points in HP Pay App on Fuel.
-: SBI BANK RUPAY CREDIT CARD :-
- Category –travel (IRCTC)
- 10% value back as reward points on ticket bookings though ITCTC.
- 350 activation points on the first transaction of Rs.500 and above.
- 1% transaction charges waiver on bookings from IRCTC.
- 1% fuel surcharge waiver, maximum waiver Rs100 per statement cycle.
- 1 reward point on every Rs125 spent on other retail expenses (fuel not included).
- 4 complimentary railway lounge access in a year
-: KODAK RUPAY CREDIT CARD :-
- Category Fuel (Indian oil)
- As a welcome reward, earn 1000 additional reward points after spending Rs 500 within 30 days of the card’s issuance.
- 24 reward points on every Rs150 spent (up to 1200 reward points in a month) on Indian Oil fuel station across India.
- 1% fuel surcharge waiver on transactions between Rs100 to Rs500, Rs100 per statement cycle only any Indian Oil Outlets.
- 12 reward points on every Rs150 spent on grocery and dining, up to 800 reward points per statement cycle.
-: IDFC BANK RUPAY CREDIT CARD :-
- Category fuel ( HPCL POWER)
- 30 Reward points every Rs150 on making payment pm utility, grocery, and idfc first fastag.
- 24 reward points on every Rs150 on Fuel and LPG transactions.
- you can save upto 5% on idfc first fastag recharge of up to 1000.
- you can save upto 5% on an expenses per month (grocery & utility bills) upto 2000 .
- 1.5% savings on making payment via HP Pay App on fuel expenses of Rs 5000 per month.
- 1% fuel surcharge waiver on fuel expenses up to 10000 per month.
- Rs 500 cash back on First HPCL fuel transactions of Rs 500 and above.
-: UNION BANK RUPAY CREDIT CARD:-
- UNI Carbon Rupay Credit Card (HPCL)
- Rs300 welcome bonus on fuel purchasing worth Rs 300 and above at HPCL fuel outlet within 60 days of the card’s issuance.
- Up to 2600 cumulative rewards on reaching annual spends of up to 200000.
- 1% fuel surcharge waiver on the transactions value of Rs 200 and above maximum Rs100 per billing cycle.
Frequently asked questions FAQ
How to Apply for a RuPay Credit Card ?
Ans: To apply for a best RuPay credit card, visit the chosen bank’s official website. Select the desired best RuPay credit card and check eligibility criteria. Complete the online application by providing your financial and personal information.
Activate the card as per instructions provided. It’s a simple process that involves researching, applying online, and following through with the bank’s instructions upon approval.
Which type of RuPay card is best?
Ans: There isn’t a one-size-fits-all answer; the best RuPay card varies based on individual requirements. If you prioritize simplicity and wide acceptance,
The RuPay Classic Card may be suitable. For those desiring more exclusive benefits, the Platinum or Select cards could be the better choice. there’s fuel and travel option also availabe in cetegory
Is there EMI Available on RuPay credit card ?
Ans: Yes, EMI (Equated Monthly Installments) is available on best RuPay credit cards. Many banks that issue RuPay credit cards offer the flexibility of converting high-value transactions into manageable monthly installments.
This feature allows cardholders to make purchases without bearing the entire cost upfront, making it convenient for budgeting and managing expenses. However, it’s essential to check with your specific bank and the terms and conditions associated with your best RuPay credit card to understand the EMI options available and any applicable charges.
Is it good to link credit card to UPI?
Ans: Linking your credit card to UPI can be beneficial for its ease of use and broader acceptance. firstly choose best rupay credit card for upi However, it requires responsible financial management to avoid overspending and potential security risks.
Always stay informed about the terms, fees, and security features provided by your bank and the UPI service to make an informed decision based on your financial preferences and habits.
Is credit card UPI free?
Ans: While some banks may offer credit card UPI services without additional charges, it’s crucial to confirm this with your specific financial institution.
Understanding the terms and potential fees will help you make informed decisions and avoid unexpected costs associated with using credit card UPI services.
Can I apply for a Rupay credit card with a low credit score ?
Ans: Yes, Rupay offers secured credit cards, making it accessible for individuals with lower credit scores or limited credit history.
These cards require a security deposit but can be a valuable tool for building or rebuilding credit. but its depend on provides term & conditions.
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