M16S / Lifetime free RuPay credit cards for UPI
73 cards
Lifetime free RuPay credit cards for UPI
73 credit cards in India on RuPay, which links to UPI, with no joining or annual fee, from 25 banks. 72 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
Included when RuPay is one of the card's networks and the joining fee and the annual fee are both zero.
Part of: Lifetime free credit cards · RuPay credit cards
| Card | Annual fee | Base return | Forex | Lounge in India |
|---|---|---|---|---|
AU ABC Flex Credit CardAU Small Finance Bank | Free | — | 3.5% | — |
AU ABC Nxt Credit CardAU Small Finance Bank | Free | — | 3.5% | — |
AU KOSMO Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
 AU Zaggle Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
Axis KWIK Credit CardAxis Bank | Free | 0.2% | 3.5% | — |
Axis SuperMoney RuPay Credit CardAxis Bank | Free | 1% | 3.5% | — |
 Bank of Baroda Assam Rifles The Sentinel BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
 Bank of Baroda BOBCARD Scapia Credit CardBank of Baroda | Free | — | 0% | Unlimited domestic lounge… |
 Bank of Baroda BOBCARD VikramBank of Baroda | Free | 0.25% | 3% | — |
 Bank of Baroda ICAI Exclusive BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) |
 Bank of Baroda ICSI Diamond BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) at… |
 Bank of Baroda Indian Army Yoddha BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
 Bank of Baroda Indian Coast Guard Rakshamah BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 domestic lounge visits per… |
Bank of Baroda Indian Navy Varunah BOBCARDBank of Baroda | Free | 0.25% | 3.5% | — |
Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)Bank of Baroda fees only | Free | — | 3.5% | 'Complimentary lounge access'… |
Bank of India RuPay Platinum Credit CardBank of India | Free | 0.5% | — | — |
Bank of India SwaDhan RuPay Platinum Credit CardBank of India | Free | 0.5% | — | — |
Canara RuPay Classic Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara RuPay Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Platinum Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Select Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
Canara RuPay Select Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
CheQ AU Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
City Union CUB CSK RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
City Union CUB Dhi Credit Card (Unsecured)City Union Bank | Free | 1.25% | 2.5% | Only while a promotional offer… |
City Union CUB Kavach Secured Credit CardCity Union Bank fees only | Free | — | 2% | — |
City Union CUB SRH RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
| Free | 1% | 2% | — | |
DCB ZET Credit CardDCB Bank fees only | Free | — | 2.49% | — |
DCB novio Credit Card (RuPay Platinum)DCB Bank fees only | Free | — | 2.5% | — |
DCB novio Credit Card (RuPay Select)DCB Bank fees only | Free | — | 2.5% | 1 per quarter (4 a year), RuPay… |
ESAF FD Backed Credit Card (INORI secured)ESAF Small Finance Bank fees only | Free | — | 2.5% | — |
ESAF INORI RuPay Platinum Credit CardESAF Small Finance Bank | Free | 1.25% | 2.5% | — |
Edge CSB Bank RuPay Credit CardCSB Bank | Free | 0.4% | 3.5% | — |
Federal RuPay Wave Credit CardFederal Bank | Free | 0.13% | 3.5% | — |
Federal Signet Credit CardFederal Bank | Free | 0.13% | 3.5% | 1 per quarter (spend-gated) |
Fibe Axis Bank Credit CardAxis Bank | Free | 1% | 3.5% | 4 per calendar year at select… |
| Free | 0.4% | 3.5% | — | |
| Free | — | — | — | |
 IDBI LIC Eclat Select Credit CardIDBI Bank | Free | 1% | 3.5% | 2 complimentary (period not… |
 IDBI LIC Lumine Platinum Credit CardIDBI Bank | Free | 0.75% | 3.5% | — |
| Free | — | 1% | — | |
Indian Overseas IOB RuPay Classic Credit CardIndian Overseas Bank | Free | 0.17% | 2.5% | — |
Indian Overseas IOB SalarySe Rise UP RuPay Platinum Credit CardIndian Overseas Bank | Free | — | 2% | — |
Indian Overseas IOB ZET Credit CardIndian Overseas Bank | Free | — | 2.49% | — |
Indian Overseas IOB novio Platinum Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 1 per quarter (4 per year) |
Indian Overseas IOB novio Select Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 2 per quarter |
IndusInd EazyDiner Platinum Credit CardIndusInd Bank | Free | 0.4% | 3.5% | — |
Kotak UPI RuPay Credit CardKotak Mahindra Bank | Free | 0.3% | 3.5% | — |
Paytm AU Credit CardAU Small Finance Bank | Free | 1% | 3.49% | 12 complimentary domestic… |
Punjab National Salary RuPay Platinum Credit CardPunjab National Bank | Free | 0.25% | 3.5% | 4 per year (1 per quarter) |
Punjab National Salary RuPay Select Credit CardPunjab National Bank | Free | 0.33% | 3.5% | 8 per year (2 per quarter) |
 SBM MobiKwik First Credit CardSBM Bank India | Free | 1% | 3% | — |
 SBM ZET Credit CardSBM Bank India fees only | Free | — | 2.49% | — |
Scapia Axis Bank Credit CardAxis Bank | Free | 2% | 0% | Unlimited at 100+ airports in… |
Scapia Federal Credit CardFederal Bank | Free | 2% | 0% | Unlimited (spend-gated) |
 Suryoday SFB RuPay Platinum Credit CardSuryoday Small Finance Bank | Free | 0.5% | 2.5% | Flight discounts and lounge… |
Tamilnad Mercantile TMB Platinum Credit CardTamilnad Mercantile Bank fees only | Free | — | 3.5% | — |
Union Bank of India Micro Enterprise Credit CardUnion Bank of India fees only | Free | — | — | — |
Union Bank of India PM SVANidhi Credit CardUnion Bank of India fees only | Free | — | — | — |
Union MSME Credit CardUnion Bank of India fees only | Free | — | 3% | — |
Unity Bank BharatPe Credit CardUnity Small Finance Bank | Free | 2% | 3.5% | 2 per calendar quarter |
Unity Roarbank Credit CardUnity Small Finance Bank | Free | — | 3.5% | — |
Utkarsh Wish Credit CardUtkarsh Small Finance Bank | Free | 1% | 3.5% | — |
Utkarsh superCardUtkarsh Small Finance Bank | Free | 1% | 3.5% | — |
| Free | 0.25% | 3.5% | — | |
Yes AI Inside Credit CardYes Bank fees only | Free | — | 0% | — |
| Free | — | 3.5% | — | |
| Free | 1.5% | 3.5% | With Neon only: aggregator says… | |
Yes Novio Credit CardYes Bank | Free | — | 3.5% | — |
| Free | 0.75% | 3.5% | 2 per quarter (spend-gated) | |
slice UPI credit card (slice super card)Slice Small Finance Bank | Free | 1% | 0% | — |
AU InstaPay RuPay Credit CardAU Small Finance Bank invite-only | Free | — | 3.49% | — |
Guides: RuPay credit card on UPI: what earns, what is charged and how to judge the best RuPay card · Lifetime free credit card: how to get one or get the annual fee waived, bank by bank