Synopsis- This article lists the 7 best co-branded RuPay credit cards in India for 2025, each of them offering unique benefits such as UPI integration, accelerated rewards, and brand-specific benefits to maximize value for shopping, travel, fuel, and lifestyle needs. This guide will help you to pick the perfect RuPay card, ensuring great returns, ease of use, and other perks like lounge access.
Lately, the RuPay network has become much more accepted nationwide and is also now fully integrated with UPI for cardless payments. There even exists co-branded RuPay cards, which are issued in collaboration with leading brands and e-commerce platforms, deliver focused benefits such as higher cashback, exclusive shopping rewards, and travel perks. And in this article, you will be able to find the best RuPay Co-branded credit cards, which have tie-ups with most of the well known brands, and the ones you have been using on a regular basis.
1. Tata Neu Infinity HDFC Bank Credit Card
- Most Benefit for: Tata Neu ecosystem, travel, and premium rewards
- Joining and Renewal Fee: Rs. 1,499
- Highlights:
- Up to 10% value-back via NeuCoins on Tata Neu & partner brands
- Get 1.5% NeuCoins on UPI , non-Tata, and EMI spends
- 2 domestic and 4 international airport lounge accesses annually (Lounge benefit is Milestone based, and needs to be availed as a Lounge Voucher)
- Low forex markup fee (2%)
- Instant welcome reward of 1,499 NeuCoins
- Those who frequently shop tata brands or from tata stores, or the individual who travel often, this card would be of the best benefit to them, as it combines reward with premium lifestyle benefits.
2. HDFC Bank UPI Credit Card
- Joining and Renewal Fee: Rs. 99 each
- Key Benefits:
- Up to 3% CashPoints on spends including UPI transactions, groceries, and supermarket purchases
- 2% CashPoints on utility spendings
- 1% CashPoints on other spending categories
- Annual fee waived off on reaching Rs. 25,000 annual spends
- Gift voucher worth Rs. 250 as a welcome bonus
- This card is great for those who want cashbacks and rewards on UPI and everyday spending including groceries and utility bills and that makes it beneficial for regular online and offline shopping.
3. Reliance SBI Credit Card
- Beneficial for: Reliance Retail shoppers
- Joining and Renewal Fee: Rs. 499
- Key Benefits:
- Earn up to 5 Reward Points over every Rs. 100 spent.
- Multi-brand rewards on grocery, home appliance and lifestyle shopping
- Accelerated rewards and statement credit redemption
- If you shop regularly at a Reliance, then this card can get you stacked up with rewards, and will provide you with significant value on your everyday purchases.
4. IndianOil HDFC Bank Credit Card
- Best for: Fuel spends and drivers or riders
- Joining and Renewal Fee: Rs. 500
- Key Benefits:
- Accelerated reward points on all Indian Oil outlets
- Earn 5% of your spends as Fuel Points at IndianOil outlets (up to Rs. 250/month)
- Redeem points as fuel or statement credit
- Special discounts via XTRAREWARDS membership
- If you are a regular driver, and your vehicle consumer a lot of petrol for the same then with this card you can maximize savings each time you fuel up at an Indian Oil petrol pump.
Also read: Is SBI Co-Branded Credit Card Better Than the Bank’s Own Credit Card? Here’s the Answer
5. YES Bank Paisabazaar PaisaSave Credit Card
- Most beneficial for: Cashback on e-commerce shopping and an unlimited UPI cashback
- Joining Fee: Rs. 0
- Annual Fee: Rs. 499 (waived off when Rs. 1.2 lakh is spent in a year)
- Highlights:
- 3% Cashback Points on e-commerce (max 5,000/month)
- Unlimited 1.5% Cashback Points on all other spends (including UPI)
- 1% fuel surcharge waiver (limit Rs. 250/month)
- Cashback convertible to statement credit on a 1:1 basis
- Delivers strong returns for digital and UPI spenders, no joining fees entry and fee waiver on moderate usage, makes this card more attractive.
6. IRCTC SBI Platinum Credit Card
- Best for: Frequent railway travellers
- Joining Fee: Rs. 500
- Annual Fee: Rs. 300
- Most Beneficial:
- 10% value-back (via reward points) on railway ticket bookings on IRCTC
- Welcome bonus reward points on qualifying initial purchase
- Waiver on IRCTC ticketing transaction charge of 1%
- 4 complimentary railway lounge accesses
- Designed keeping in mind the regular train travellers, so that these travellers are able to make exclusive savings and get a convenient access to IRCTC lounges.
7. LIC CSL Co-branded Credit Card (Eclat)
- Best for: Insurance benefits and other lifestyle perks
- Annual Fee: Varies by the Variant (some of the variants do not have any kind of cost)
- Benefits:
- Built-in insurance coverage- accident and health
- Lifestyle offers and cashbacks (merchandise/gift card redemption) at partner brands
- Airport lounge access (on select variants)
- Blends financial safety products such as insurance and fraud protection, along with providing rewards on everyday use, which makes it an excellent choice for individuals who want to make the right financially decisions.
Why Opt for a Co-Branded RuPay Credit Card in 2025?
- Integrated UPI Payments: Most leading RuPay cards have now become UPI-enabled which has blended the convenience of QR-based payments along with classic credit rewards.
- Brand-Specific Rewards: Co-branded cards deliver significantly more value with partners such as Tata Neu, Reliance, and IRCTC, which make it best for regular brand loyalists.
- Wide Acceptance: RuPay is accepted at all major merchants and is increasingly being promoted for government and utility payments.
- Affordable Fees and Perks: Many cards offer highly competitive annual fees, with additional waivers Along with certain other benefits such as lounge access, and insurance.
The Bottom Line
India’s credit card market is rapidly evolving, where RuPay’s has been stronger than ever in the cobranded credit card space. Additional, UPI integrated solutions makes these cards a compelling choice in 2025 India. With that done, make sure you choose the card that matches your top spending category such as- shopping, travel, fuel, insurance so that you can truly benefit out of your RuPay credit payments.
Written by Adithya Menon
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