GOVERNMENT BODY · 100% NON-COMMERCIAL

National Payments Corporation of India (RuPay)

Umbrella organization for operating retail payments and settlement systems in India, created by Reserve Bank of India (RBI) and Indian Banks' Association (IBA). Developer of RuPay and UPI.

🏛️ RBI Regulated Institution📜 Verified Charters & KFS🚫 Zero Affiliate Tracking

4Credit Cards

0Home Loans

0Business Loans

0Other Retail Loans

Jump to section:Credit Cards (4)Customer Helpline & Grievance

Official Card Catalog

National Payments Corporation of India (RuPay) Credit Cards (4 Cards)

Verified cards documented from official issuer MITC literature, disclosing actual fees, late penalties, and reward caps.

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✈️Travel & AviationEntry-Level

Verified MITC

IRCTC RuPay Credit Card

SBI Card•Visa / RuPay

Dedicated rail travel co-brand offering 10% value back on AC train tickets on irctc.co.in, 1% surcharge waiver, and executive railway lounge access.

Joining / Annual Fee₹500 + GST (Renewal: ₹300 + GST)

Lounge Access4 complimentary domestic executive railway lounge visits per calendar year (1 visit per calendar quarter) at major railway stations across India.

Reward: Up to 10% value back in Reward Points on AC train ticket bookings (AC 1, AC 2, AC 3, Executive Chair Car) made via irctc.co.in or IRCTC Rail Connect app. 1 Reward Point per ₹125 spent on non-fuel retail purchases.

Welcome: 350 bonus Reward Points credited upon card fee payment and completing first AC train ticket booking on irctc.co.in within 30 days.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

RuPay Platinum Credit Card

SBI Card•Visa / RuPay

Flagship multi-bank RuPay card featuring UPI QR code payment support, 8 domestic airport lounge visits, and ₹2 Lakh NPCI accidental cover.

Joining / Annual Fee₹500 + GST (Frequently Lifetime Free depending on issuing bank)

Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across participating RuPay Platinum airport lounges in India. 2 complimentary domestic railway lounge visits per quarter.

Reward: 2 Reward Points per ₹100 spent on all UPI merchant QR code payments and retail checkouts. 5% cashback on utility bill payments (electricity, gas, water, municipal tax) completed via official bank portals.

Welcome: Gift vouchers from leading lifestyle brands, plus complimentary NPCI accidental insurance coverage of ₹2,00,000.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationPremium

Verified MITC

RuPay Select Credit Card

SBI Card•Visa / RuPay

Premium wellness and travel card offering ₹10 Lakh accidental cover, free gym and spa passes, health checkups, and international lounge visits.

Joining / Annual Fee₹1,500 + GST (Renewal: ₹1,500 + GST)

Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international airport lounge visits per year across 500+ lounges globally via RuPay partner networks (Discover / Diners Club).

Reward: Accelerated reward points on dining, wellness, and travel spends (up to 4X points per ₹100 spent). 2 Reward Points per ₹100 on all other retail transactions.

Welcome: Curated wellness and lifestyle privileges: Complimentary annual health checkup, complimentary gym membership access, and spa session passes credited upon card activation.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

SBI RuPay Classic Card (Jan Dhan Linked)

SBI Card•Visa / RuPay

Financial inclusion RuPay card issued under PMJDY with ₹2 Lakh accidental insurance cover, ₹0 fee forever, and subsidized overdraft facility.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Maintenance Fee)

Lounge AccessNo complimentary airport lounge access is included on this Jan Dhan financial inclusion card.

Reward: Financial inclusion card designed for basic citizen transactions: 1 Reward Point per ₹200 on POS and e-commerce transactions. High subsidized merchant transaction convenience on Bharat BillPay and direct benefit transfer (DBT) subsidies.

Welcome: Zero joining fee, zero annual maintenance charge, and automatic non-contributory ₹2,00,000 accidental death/permanent disability insurance cover funded by NPCI (for cards issued after August 28, 2018).

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

Official Customer Support & Grievance Redressal

Under RBI's Integrated Ombudsman Scheme, if your grievance is not resolved within 30 days by National Payments Corporation of India (RuPay), you have the legal right to escalate directly to the RBI Ombudsman without charge.

Toll-Free Helpline1800-120-174024x7 Customer Service

Grievance Escalationcontact@npci.org.inLevel 2 Internal Redressal

RBI Ombudsmancms.rbi.org.inCentralized Portal (Zero Fee)