May 14, 2025 · 10 mins read
Santhosh Kumar
In India, credit cards have advanced from luxury tools to regular financial instruments. With UPI integration and more extensive merchant acknowledgment, Rupay credit cards have gotten to be a solid elective to Visa and Mastercard. The best portion? Numerous banks presently offer lifetime free Rupay credit cards that come without any yearly expenses or covered up charges.
If you're looking for a cost-effective, UPI-compatible credit card, here are the best Rupay credit card lifetime free alternatives in India worth considering.
The SBI SimplySAVE is one of the most prevalent lifetime free Rupay credit cards for day by day use. In spite of the fact that it actually comes with a first-year charge, it's deferred off on investing a fair Rs. 1,00,000 per year, making it nearly lifetime free in practice.
1: 10x reward points on groceries, eating, movies, and departmental stores
2: Fuel extra charge waiver up to Rs. 100 per month
3: Accepted for UPI installments by means of select apps
Why it's great: High rewards on every day spent and simple charge waiver.
Part of the ICICI Gemstone arrangement, this card is presently accessible on the Rupay arrangement. It's reasonable for those who need way of life benefits along with a Rupay credit card lifetime free compatibility.
1: Buy 1 get 1 free on movie tickets through BookMyShow.
2: Airport relax get to at select household airports.
3: Cashback offers on UPI-linked payments
Why it's great: Great blend of way of life advantages and advanced installment compatibility.
Read More:: How to get a 5 lakh loan without a CIBIL score
A really lifetime free Rupay credit card, the KWIK card is a virtual credit card issued right away through the Hub Bank app. Perfect for first-time clients and online shoppers.
1: Zero joining and yearly fees
2: Instant issuance and activation
3: Works consistently with UPI apps like BHIM, Paytm, PhonePe
Why it's great: Simply computerized, quick, and totally free.
Launched particularly for UPI utilization, this Rupay credit card lifetime free choice permits credit card utilization on UPI, combining credit benefits with real-time payments.
1: No joining or yearly charges
2: Earn cashback on UPI exchanges by means of BHIM.
3: Real-time UPI credit facility
Why it's great: Centered totally on UPI credit exchanges with no hidden costs.
Read More:: How To Check CIBIL Score Online On Government Website
Offered as a lifetime free Rupay credit card to salaried people, this card offers benefits like protections cover and airplane terminal relax access.
1: Complimentary relaxation at residential airports.
2: Personal mishap protections cover
3: UPI-enabled for QR-based payments
Why it's great: Security benefits bundled with advanced convenience.
The BoB Rupay card is positioned as a budget-friendly choice with vigorous highlights and Rupay credit card lifetime free benefits for normal users.
1: Fuel surcharge waiver
2: EMI conversion on huge spends
3: Zero yearly expense on investing Rs. 15,000 annually
Why it's great: Best for EMI adaptability and ordinary spending.
Read More:: How to Add a Credit Card to Myntra?
This open segment bank card is accessible on the Rupay organization and can be profited as a lifetime free Rupay credit card, particularly for government employees.
1: No yearly expense for select accounts
2: Insurance cover included
3: Easy UPI linkage with BHIM
Why it's great: Perfect for conservative clients who need essential benefits.
This is a no-frills Rupay credit card lifetime free alternative that covers all fundamentals, including UPI integration and cashback benefits.
1: Zero joining and yearly fees
2: Cashback on online spending
3: Accepted on all major UPI platforms
Why it's great: Great for clients looking for simplicity and UPI features.
Read More:: How to Foreclose Credit Card EMI?
Among the more up to date choices, this lifetime free Rupay credit card is pointed at tech-savvy clients who incline toward handling everything online.
1: No physical card needed
2: Cashback on UPI and online spends
3: Complementary protection benefits
Why it's great: Present-day credit card for mobile-first users.
For understudies and youthful experts, the IDBI Rewards Rupay credit card lifetime free variation is a strong entry-level option.
1: No joining fee
2: Reward focuses on all retail transactions.
3: Compatible with UPI-based apps
Why it's great: Simple endorsement and beginner-friendly.
1: No yearly charge if utilized at least once a year
2: Complementary individual mishap cover
3: Access to airplane terminal lounges in India
Read More:: How to Pay Rent Using Credit Card
1: Specifically outlined for retired people and salaried employees
2: No joining or yearly fees
3: Compatible with UPI
1: Instant issuance from a portable app
2: UPI was empowered from day one
3: Zero joining and yearly charges
1: 1% fuel additional charge waiver
2: Compatible with major UPI apps
3: Annual charge postponed on usage.
1: Lifetime free for select accounts
2: Reward focuses for each purchase.
3: Easy integration with UPI QR code platforms
Read More:: Is Credit Score and CIBIL Score the Same?
Rupay is India’s possess residential installment arrange, propelled by the National Payment Corporation of India (NPCI). Not at all like worldwide card plans like Visa or Mastercard, Rupay credit cards work more productively with Indian installment stages like UPI.
1: Seamless UPI integration
2: Lower exchange and dealer costs
3: Faster household settlement
4: Often accessible as lifetime free Rupay credit cards
Read More:: What is the Use of CIBIL Score?
1. Daily UPI Installments: Perfect for clients who depend intensely on UPI-based apps for neighborhood transactions.
2. Budget-Conscious Clients: Ideal for those who need zero yearly charges and the most extreme cashback.
3. Students & First-Timers: Entry-level cards with simple endorsements and no support charges.
4. Digital-First Clients: Numerous Rupay credit card lifetime free alternatives offer virtual card issuance.
5. Government & PSU Representatives: Numerous banks offer elite lifetime free cards to salaried government staff.
1: Rupay credit cards are, as it were, credit cards right now permitted to be connected to UPI in India.
2: You can utilize them to filter QR codes and pay specifically from your credit line.
3: Supported apps incorporate BHIM, PhonePe, Paytm, and Google Pay (select banks).
4: UPI credit card installments are acknowledged as it were by shippers (P2P exchanges not allowed).
Read More:: How to Make a Kisan Credit Card?
Many lifetime free Rupay credit cards presently offer custom-made compensation programs when used through UPI. Here's how distinctive banks structure them:
HDFC UPI Card: 1% cashback on all UPI installments over Rs. 100
SBI Cards: Remunerate focuses on UPI vendor payments
ICICI Rupay: Cashback on utility charge installments by means of UPI
Axis KWIK: Remunerate focuses on UPI spends (redeemable online)
Always check your bank's terms and month-to-month caps.
Read More:: How to Settle Credit Card Debt?
Despite being unused to the UPI-credit card space, Rupay credit card lifetime free offerings are supported by banks with vigorous extortion protection.
1: Real-time SMS alerts
2: Tokenization for UPI transactions
3: Instant blocking through an app or client care
1: 24/7 toll-free helplines
2: Email and chat bot support
3: Mobile app live chat in most banks
As NPCI proceeds to improve the UPI-credit card biometric system, lifetime free Rupay credit cards are anticipated to rule the entry-level and mid-tier credit card market.
1: EMI on UPI payments
2: UPI-linked auto-debit for credit cards
3: Wider QR acceptance
4: Enhanced app security features
Read More:: Which Credit Score Do Banks Use in India?
When choosing among lifetime free Rupay credit cards, it’s imperative to go past the “free” name and assess the highlights that matter most to you:
UPI Compatibility: Guarantee that the card is empowered for UPI-based exchanges. This incorporates QR filtering, charge installments, and integration with major apps like BHIM, PhonePe, and Paytm.
Compensate Structure: Check whether the card offers focuses, cashback, or rebates on categories significant to your investing habits, such as goods, fuel, eating, or utilities.
Relax Get to & Travel Benefits: If you travel as often as possible, indeed inside India, airplane terminal relaxation can be an important benefit.
Online Shopping Advantages: A few Rupay credit card lifetime free choices come with upgraded security and cashback for online buys, particularly on stages like Amazon, Flipkart, and Myntra.
EMI and Adaptable Reimbursement: Cards like Bounce Simple or SBI SimplySAVE permit EMI transformation on high-value spends. This is supportive if you regularly make bigger purchases.
Protections and Security: A few lifetime free Rupay credit cards come bundled with individual mishap cover, misplaced card risk, and cyber extortion assurance. Continuously select cards that offer included security.
UPI customarily worked as it were with reserve funds or current accounts. The NPCI empowered the Rupay credit card to bolster UPI to bring the same consistent installment framework to credit card users.
1: Earn rewards on UPI spends that would be something else done through credit cards.
2: Build credit history with scheduled UPI usage.
3: Avoid carrying cash or cards—just check and pay.
4: Access superior credit utilization with straightforward following by means of UPI apps.
As of presently, the following apps permit the connecting of lifetime free Rupay credit cards:
BHIM UPI: Underpins most banks with coordinated credit card linkage.
PhonePe: Driving UPI app with broad QR code compatibility.
Paytm: Known for utility charge installment, revive, and in-app offers.
Google Pay: Accessible for select banks like SBI, HDFC.
Always check the app support for your bank some sometimes recently.
Read More:: How Does Foreclosure Affect Your CIBIL Score?
Yes, Rupay credit cards are acknowledged at nearly all point-of-sale (POS) terminals and online stages that bolster card installments in India. They too work consistently with UPI for QR and app-based transactions.
Yes, most lifetime free Rupay credit cards are empowered for UPI, permitting you to connect them on apps like BHIM, PhonePe, Paytm, and Google Pay for credit-based QR code payments.
Yes, generally. These cards come with zero yearly or joining expenses. However, clients ought to still check for charges related to late installments, cash advances, or EMI conversions.
Some banks offer entry-level cards (like IDBI Rewards or Kotak 811) with loose qualification criteria. Understudies and modern clients may also qualify with an essential KYC and a good managing an account history.
Absolutely. Like any credit card, opportune reimbursement of levy on a Rupay credit card lifetime free makes a difference in how you construct and make strides your CIBIL score.
Download the app from PlayStore
