Showing 2 cards
Best for: UPI users seeking lifetime-free card with travel insurance
Platinum RuPay
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
#1Rewards rate
₹0.60 - ₹1.20/₹100
#186Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
0/year
Min Credit Score
700+
#54
Min Monthly Income ₹20
Categories Lifetime Free, Rewards, RuPay, UPI-enabled
CardNitty's take
Pros
- Lifetime free - No joining or annual fees
- 2X rewards on UPI spending (best for UPI users)
- Comprehensive travel insurance (Rs.2.25L total)
- Personal air accident cover Rs.25 lakhs
- 1% fuel surcharge waiver (Rs.400-4000)
- RuPay domestic lounge access (2 visits/quarter on Rs.5K spend)
- Lost baggage cover Rs.1 lakh
- Lost card protection up to 48 hours
- Zero liability on fraud transactions
- UPI integration for easy payments
Cons
- Low base reward rate (1 point/Rs.100)
- Reward value reduced to Rs.0.60 per point (Dec 2024)
- Monthly cash redemption capped at 2,500 points
- Lounge access requires Rs.5,000 quarterly spend
- Limited to RuPay exclusive lounges only
- No international lounge access
- Fuel spends don't earn reward points
- Select merchants earn only 0.70 points/Rs.100
- High APR of 46% on unpaid balances
- No concierge or premium services
Best for: UPI users seeking cashback on everyday grocery and dining spends
HDFC UPI RuPay
APPLY NOW
on HDFC Bank's website
Annual fee
₹99
#58Rewards rate
₹1.00 - ₹3.00/₹100
#101Joining fee
₹99
#65Interest rate
N/A
Card details
Categories Entry Level, UPI-enabled
CardNitty's take
Pros
- Low annual fee of just ₹99
- Annual fee waiver on spending ₹25000
- Good reward rate of up to ₹3.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹180K per month