Over the past few years, RuPay has picked up momentum as India’s own homegrown card network, providing an indigenous option to international heavyweights like Visa and Mastercard. Owing to its lesser transaction fees, strong acceptance at ATMs and PoS terminals, and compatibility with UPI, RuPay credit cards have become a reliable choice for price-sensitive customers. For individuals who want to enjoy credit card benefits without having to pay annual charges, RuPay provides numerous options to consider. Below is a shortlisted list of the top RuPay zero annual fee credit cards that are suitable for beginners and savvy consumers who need affordability with functionality.
1. Punjab National Bank (PNB) RuPay Select Credit Card
- Why it’s great: Backed by one of India’s oldest banks, this card is solid and fuss-free.
- Annual Fee: ₹0
- Rewards: 1 point per ₹100 spent
- Perks: Domestic airport lounge access, accidental insurance, merchant offers
- Best for: Beginners who prefer PSU trust and no-frills benefits
2. Union Bank of India RuPay Select Credit Card
- How it shines: Strong lounge access and rewards combo—without the cost.
- Annual Fee: ₹0
- Rewards: 2 points per ₹100 (non-fuel)
- Perks: 2 domestic lounge visits per quarter, insurance coverage
- Best for: Frequent travelers who want savings + comfort
3. Canara Bank RuPay Select Credit Card
- Why it excels: Reliable, minimal, and efficient.
- Annual Fee: ₹0
- Rewards: 1 point per ₹100 spent
- Extras: Free insurance, RuPay wellness benefits
- Best for: First-time credit card users
Also read: Kotak Mahindra Revises Credit Card Charges – Here’s the Full Breakdown
4. IDBI Bank Euphoria RuPay Select Credit Card
- Why it’s unique: Balanced lifestyle perks and rewards.
- Annual Fee: ₹0
- Rewards: 2 points per ₹150 spent
- Perks: Domestic lounge access, fitness & wellness offers
- Best for: Fitness freaks and lifestyle enthusiasts on a budget
5. Indian Bank RuPay Platinum Credit Card
- Why it’s best: For the financially cautious, this card is safe and simple.
- Annual Fee: ₹0
- Rewards: 1 point per ₹100 spent
- Perks: Limited lounge access, insurance coverage
- Best for: Low spenders prioritizing security and stability
Private Sector Banks
1. Federal Bank RuPay Signet Credit Card
- Why it’s best: One of the best private bank cards with zero fees and max UPI utility.
- Annual Fee: ₹0 (Lifetime Free)
- Rewards: 1 point per ₹100 spent
- Perks: UPI integration, lounge access, exclusive RuPay offers
- Best for: Digital natives and fintech-savvy users
2. Saraswat Bank RuPay Platinum Credit Card
- Why it’s clutch: A cooperative bank with solid features.
- Annual Fee: ₹0
- Rewards: Points on every ₹100 spent
- Perks: Lounge access, concierge services, insurance
- Best for: Urban users looking for personalized service
3. J&K Bank RuPay Select Credit Card
- Why it wins: Underrated gem with great value.
- Annual Fee: ₹0
- Rewards: Up to 2 points per ₹150 spent
- Perks: Lounge access, accident insurance, fraud protection
- Best for: Regional users who want PSU-like safety with private perks
4. Karnataka Bank RuPay Select Credit Card
- Why it’s reliable: Offers a strong support system with rewards.
- Annual Fee: ₹0
- Rewards: Points on all spends
- Perks: Lounge access, merchant deals, UPI compatibility
- Best for: Responsible spenders who want flexibility
Why Use a RuPay Credit Card?
With the RBI and NPCI pushing RuPay as a Made-in-India option, the RuPay card ecosystem has expanded considerably. Here are some reasons why RuPay credit cards are gaining popularity:
- No or Minimal Annual Fees: The vast majority of RuPay credit cards are made available by public-sector banks, and they charge zero or minimal fees, making it a middle-class and mass-market player.
- UPI Integration: RuPay credit cards can be integrated with UPI apps such as BHIM, PhonePe, Paytm, and Google Pay, enabling credit payments through UPI—a digital finance game changer.
- Domestic Lounge Access: Even basic RuPay Select variants often come with complimentary lounge access, a perk typically reserved for premium cards in other networks.
- Security & Support: Being part of the NPCI network ensures high-level encryption and secure transactions. Moreover, customer support from government banks adds a layer of trust.
Things to Consider Before Applying
- Interest Rates: Although there’s no charge, interest rates on revolving credit can also be steep (up to 40% per annum in a few situations).
- Reward Redemption: Ensure the terms for points redemption—there may be restricted choices or expiry dates.
- Hidden Charges: Look out for charges for late payment, foreign transactions, and cash advances.
- Eligibility Criteria: PSU banks can be more stringent on income or documentary requirements.
Whether you’re a student, a salaried employee, or just starting out on your credit journey, these cards offer a cost-effective, no-risk entry into the world of credit. Choose one that aligns with your spending habits and lifestyle, and enjoy the benefits—without worrying about fees.
Written by Pydimarri Hema Harshini
