RuPay Credit Cards and How to Convert from Visa/Mastercard [August, 2024]

RuPay credit card is a domestic card payment network in India, launched in 2012 by National Payments Corporation of India (NPCI). The network has been expanding ever since, and in recent years, RuPay credit cards have gained more popularity among Indian consumers. As of April 2023, all major banks have been issuing RuPay credit cards with various rewards, discounts, and benefits. In this article, we’ll be listing all the banks that issue RuPay credit cards and how to change your existing Visa to RuPay.

RuPay Credit Cards

RuPay has three different variants of credit cards, each with its own benefits and features:

• RuPay Classic – this is equivalent to the basic/standard Visa or Mastercard. It’s suitable for everyday use, with standard rewards and benefits.
• RuPay Platinum – this is equivalent to the Visa or Mastercard Platinum. It’s a premium card that offers better rewards and benefits than the Classic card.
• RuPay Select – this is a super-premium card that’s equivalent to Visa Signature and Mastercard World. It offers exclusive benefits and privileges, such as free gym access, spa services, golf programs, and health checkups.

Additionally, RuPay has two types of RuPay Select cards – RuPay Select card and RuPay Select Wellness card. The Select Wellness card provides additional benefits such as free gym access, spa services, and health checkups.

RuPay credit cards are international cards that can be used anywhere in the world. RuPay has partnered with Discover Financial Services, Diners Club International, Pulse, and Japan’s JCB card network to enable acceptance of its credit cards worldwide.

If you have a RuPay JCB Platinum card, you can access free international lounges through LoungeKey. Similarly, if you have a RuPay JCB Select card, you can access free international lounges through LoungeKey. RuPay JCB cardholders can also access free JCB In-City lounge access worldwide. Some Indian banks also offer unlimited airport lounge access in China, Japan, and Hawaii for RuPay JCB cardholders.

Banks that Issue RuPay Credit Cards

Here’s a list of banks that issue RuPay credit cards:

Axis Bank

Axis Bank has partnered up with IndianOil to launch a powerful fuel and rewards credit card:

• Axis Bank IndianOil Credit Card – Save 55% on fuel transaction fees + 10% cashback on fuel spends up to ₹500 per month

HDFC Bank

HDFC Bank offers one of the most versatile ranges of RuPay credit cards:

• HDFC Bank RuPay Bharat Cashback Card – Get 5% cashback on departmental stores, dining, grocery shops etc for 12 months + 1% fuel surcharge waiver for lifetime
• HDFC Bank RuPay IndianOil Card – Get special privileges like 2250 reward points as welcome gift, waiver of payment service charges and more
• HDFC Bank Moneyback+ Card – Enjoy 10% value back annually (capped at ₹10,000 per year) + annual membership fee waiver in the 1st year
• HDFC Bank Regalia First Credit Card (Upcoming) – Designed for affluent customers offering luxurious lifestyle privileges & benefits

Bank of Baroda

• BOB Easy Card – Easy liquidity for day-to-day spends with up to 45 days interest-free period
• BOB Premier Card – Higher credit limit and purchase protection for premium customers
• BOB IRCTC Card – Special rewards on IRCTC ticket booking with exclusive lounge access

State Bank of India

As the country’s largest bank, SBI offers convenience and a rewarding experience with its RuPay cards:

• SBI RuPay BPCL Platinum Card – Get Rs. 250 cashback per month on minimum transaction of Rs. 15,000
• SBI RuPay SimplySAVE Card – For smart savers – 10% cashback on utility bills up to Rs. 500
• SBI RuPay IRCTC Platinum Card – Get free IRCTC ticket insurance, lounge access & attractive reward points
• SBI RuPay FBB StyleUp Card – Great style and shopping rewards with 5% cashback, exclusive deals from fbb, etc.

ICICI Bank

ICICI has also jumped on the RuPay bandwagon with premium offerings like:

• ICICI Bank Coral Credit Card – India’s first credit card to offer lifetime free credit card benefit on online & in-store Ruby, Coral & Pearl jewelry purchases

Yes Bank offers the RuPay JCB Prosperity Rewards Plus Credit Card, as well as three more RuPay credit cards expected to launch in the future.

Indian Overseas Bank – IOB Classic RuPay Credit Card is available.

IDBI Bank – IDBI RuPay Select Credit Card, IDBI RuPay Platinum Credit Card, IDBI RuPay Classic Credit Card is available.

Central Bank of India – Central Bank RuPay Select Credit Card, Central Bank RuPay Platinum Credit Card, Central Bank RuPay Classic Credit Card is available.

Union Bank of India – Union Bank RuPay Select Credit Card, Union Bank RuPay Platinum Credit Card, Union Bank RuPay Classic Credit Card is available.

Bank of Maharashtra – Bank of Maharashtra RuPay Select Credit Card, Bank of Maharashtra RuPay Platinum Credit Card, Bank of Maharashtra RuPay Classic Credit Card is available.

Punjab National Bank – PNB RuPay Select Credit Card, PNB RuPay Platinum Credit Card, PNB RuPay Classic Credit Card is available.

Andhra Bank – Andhra Bank RuPay Select Credit Card, Andhra Bank RuPay Platinum Credit Card, Andhra Bank RuPay Classic Credit Card is available.

UCO Bank – UCO RuPay Select Credit Card, UCO RuPay Platinum Credit Card, UCO RuPay Classic Credit Card is available.

Bank of India – Bank of India RuPay Select Credit Card, Bank of India RuPay Platinum Credit Card, Bank of India RuPay Classic Credit Card is available.

Canara Bank – Canara Bank RuPay Select Credit Card, Canara Bank RuPay Platinum Credit Card, Canara Bank RuPay Classic Credit Card is available.

Indian Bank – Indian Bank RuPay Select Credit Card, Indian Bank RuPay Platinum Credit Card, Indian Bank RuPay Classic Credit Card is available.

If you already have a Visa or Mastercard credit card and want to switch to a RuPay credit card, it’s a simple process. You can contact your bank’s customer care and request to change your card to a RuPay credit card. Alternatively, you can visit your bank’s branch and submit a request to change your card. Some banks even offer online facilities to change your card. It’s important to note that there may be some charges associated with changing your credit card, so it’s best to confirm this with your bank before making the switch.

Conclusion

RuPay credit cards are gaining popularity in India due to their numerous benefits and wide acceptance. All major banks in India offer RuPay credit cards, and switching to a RuPay credit card from a Visa or Mastercard credit card is easy. With no discrimination between Visa/Mastercard and RuPay credit cards by banks, customers can enjoy the same benefits and offers on their RuPay credit cards as they do on their existing cards. So, if you’re looking for a new credit card, consider getting a RuPay credit card and enjoy its benefits.