Best RuPay Debit Cards in India 2025

RuPay cards have emerged as a strong competitor to VISA and MasterCard in India. Here are some of the features:

Competitor to VISA and MasterCard:

1. Accepted at over 10,000 e-commerce sites and more than 8 lakh POS terminals.
2. Supported at over 1.8 lakh merchant terminals across India.

Faster Transactions:

1. All transaction processing is done domestically, enabling faster transactions.

Broad Issuance:

1. Offered by public sector, private banks, co-operative, and rural banks.

Low Transaction Fee:

1. Merchant transaction fee as low as 0.01%.

Benefits of RuPay Card

A brainchild of RBI, RuPay is exclusively crafted to meet the needs and requirements of Indian customers. Here are some of the benefits that RuPay customers stand to get.

1. Security of Information Related to Indians

Customer data and transaction details pertaining to RuPay card transactions will not be passed outside India.

1. Safe Transactions

With SMS alerts and notifications that are sent to the customer’s phone number after every transaction, RuPay cardholders can be ensured of a secure transaction.

1. Designed for India

RuPay cards have been customized keeping in mind the product and service requirements of Indians.

1. Greater Reach in Rural Areas

When it comes to the RuPay cards transactions, all the processing happens within the country. This results in lower cost of settlement and clearing for the transactions made using RuPay debit card. Banks will profit immensely from this as costs for transaction processing becomes affordable.

1. Greater Reach in Rural Areas

Consumers in rural areas can easily apply and get a RuPay card.

1. Payment Solutions across Platforms

RuPay debit card is designed to provide complete interoperability between payment channels including mobile technology, ATMs, cheques etc.

5 Best RuPay Debit Cards in India 2025

Given below are the top 5 banks that offer the RuPay Cards:

• SBI Rupay Debit Card
• HDFC Bank RuPay Premium Debit Card
• Yes Bank Rupay Card
• Axis Bank Rupay Card
• Bank of Baroda RuPay Platinum DI Debit Card

1. SBI Rupay Debit Card

The RuPay card offered by State Bank of India (SBI) is called the SBI RuPay Debit Card. The card can be availed by individuals who have a current or savings account with SBI. New customers are also allowed to apply for the RuPay card.

Features and benefits of SBI Rupay Debit Card

The main benefits and features of the card are mentioned below:

1. You will be able to withdraw cash as well as make cashless purchases by using this SBI debit card.
2. You can get up to 5 litres of petrol if the card is used at Indian Oil petrol bunks.
3. SBI Global International Debit Card is available on  RuPay / MasterCard / VISA card types with Daily Cash withdrawal limit of Rs. 40,000 per day at ATMs.
4. Various offers are provided in case the card is used at Bata, Swiggy, Cleartrip, Myntra, Bigbasket, Redbus, etc.

2. HDFC Bank RuPay Premium Debit Card

The RuPay card that is offered by HDFC Bank is called the RuPay Premium Debit Card. Both residents, as well as Non-Resident Indians (NRI), are allowed to apply for this card. However, individuals must have one of the below-mentioned accounts to apply for a RuPay card:

1. Current Account
2. Savings Account
3. Salary Account

Features and benefits of HDFC RuPay Premium Debit Card

Some of the main features and benefits of the RuPay card offered by HDFC Bank are mentioned below:

1. In case Utility Bills are paid using the card, you will receive a 5% cashback.
2. A Personal Accidental Death/Permanent Disability Insurance of up to Rs.2 lakh is provided.
3. This HDFC debit card can be used for shopping in India and abroad. The card can be used at ATMs as well.
4. The daily domestic shopping limits and ATM withdrawal limits are Rs.2.75 lakh and Rs.25,000, respectively. 
5. Airport Lounge Access:
             1. You can use the card 2 times in a quarter in a calendar year at International Airport lounges and domestic airport lounges.
             2.  A nominal fee of Rs.2 will be levied to avail these services. However, a valid PIN must also be used to avail these services.

3. Yes Bank Rupay Card

The three different RuPay cards offered by Yes Bank are mentioned below:

1. Yes Prosperity RuPay Platinum Debit Card
2. Yes Bank RuPay Kisan Debit Card
3. Yes Bank PMJDY RuPay Chip Debit Card

Yes Prosperity RuPay Platinum Debit Card

The Yes Prosperity RuPay Platinum Debit Card that is offered by Yes Bank provides a good banking experience along with great offers. The card also caters to all types of domestic spends.

Features and Benefits

The main benefits and features of the Yes Prosperity RuPay Platinum Debit Card are mentioned below:

1. Daily cash withdrawal limit of Rs.25,000.
2. Daily purchase limit of Rs.25,000.
3. Lounge access is provided at all domestic airports two times in a quarter.
4. Domestic Concierge service is provided.
5. Access is unlimited at 20 lakh terminals in the country as well as to over 2 lakh ATMs.
6. Offers are provided on Entertainment, Travel, Shopping, Fine Dining, and more.
7. In case Utility Bills are paid by using the RuPay Card, 5% cashback is provided.
8. Online transactions for paying Utility Bills, travel, etc. can be made.
9. Personal Accident Insurance of up to Rs.2 lakh is provided.
10. Lost Card Liability Protection of up to Rs.25,000 is provided.

Yes Bank RuPay Kisan Debit Card

The Yes Bank RuPay Debit Card offers individuals a convenient way to make digital payments for farming as well as to easily access your credits.

Features and Benefits

The main benefits and features of the Yes Bank RuPay Debit Card are mentioned below:

1. Assured reward points are provided on every spend.
2. A daily withdrawal limit of Rs.1 lakh is provided.
3. A daily purchase limit of Rs.1 lakh is provided.
4. A fuel surcharge is not levied.
5. Transactions are safe and secure.
6. 24 x 7 access at ATMs as well as for Point of Sale transactions.

Yes Bank PMJDY RuPay Chip Debit Card

The Yes Bank PMJDY RuPay Chip Debit Card is mainly provided to unbanked customers in order to cater to their basic banking needs. This Yes Bank Debit Card was launched under the Pradhan Mantri Jandhan Yojana scheme.

Features and benefits

The main benefits and features of the card are mentioned below:

1. Reward points are assured on all spends.
2. A daily cash withdrawal limit of Rs.10,000.
3. A daily purchase limit of Rs.10,000.
4. Utility bills and travel transactions can be completed online.

4. Axis Bank Rupay Card

The RuPay card offered by Axis Bank is known as RuPay Platinum Debit Card and it comes with various features and benefits that are applicable across India. Customers can enjoy the benefits of the card anywhere and at any given time.

Features and Benefits

The main features and benefits of the RuPay Platinum Debit Card are mentioned below:

1. Airport lounge access is provided.
2. Cashbacks are provided on transactions.
3. The daily withdrawal limit and the purchase limit are Rs.40,000 and Rs.2 lakh, respectively.
4. Insurance cover is provided.
5. The Axis bank Debit Card PIN can be generated easily.
6. A 15% discount is provided at all partner restaurants.
7. Enhanced security is provided on all transactions in case you have a RuPay card that is Chip and PIN enabled.

5. Bank of Baroda RuPay Platinum DI Debit Card

The new and improved Bank of Baroda RuPay Platinum Debit Card with Dual Interface (DI) capability is a card that allows both contact and contactless transactions and comes with various attractive offers and schemes in partnership with the National Payments Corporation of India (NPCI).

Features and Benefits

1. It has a cash withdrawal limit of Rs.50,000 per day from ATMs and up to Rs.1,00,000 per day at POS/e-commerce.
2. It allows contactless transactions up to Rs.5,000 can be done without a PIN at POS terminals.
3. It offers accidental insurance up to Rs.2 lakh.
4. It offers two free domestic airport lounge access per quarter.

Reasons to Choose a RuPay Card

1. Lower Transaction Cost: RuPay cards have significantly lower transaction costs compared to other debit cards like Visa and MasterCard, as all processing is done within India.

1. Accessibility: RuPay cards are easily accessible to individuals with limited or no banking access and are widely available in rural areas.

1. Future Offerings: NPCI plans to introduce EMV cards and contactless credit and debit cards under the RuPay label.

1. Convenient Train Booking: With IRCTC RuPay prepaid debit cards, customers can easily book train tickets without complications.

1. High Transaction and Withdrawal Limits: RuPay debit cards offer customers greater flexibility with higher transaction and withdrawal limits.

Eligibility Criteria for RuPay Debit Cards

The eligibility criteria to apply for a RuPay card are mentioned below:

• RuPay debit cards are issued by all public, private, regional rural, and co-operative banks in India.
• Banks offering RuPay cards include Central Bank of India, Bank of India, HDFC Bank, State Bank of India, Union Bank of India, and Punjab National Bank.
• Customers can obtain a RuPay debit card with a no-frills savings account or by opening an account under the PMJDY scheme (Prime Minister Jan Dhan Yojana).
• Basic KYC documents, such as ID proof and address proof, are required to apply for a RuPay debit card.

Documents Required to Apply for a RuPay Card

The documents needed to apply for a RuPay card are as follows:

• Proof of Address
• Proof of Identification
• Two Passport-Sized Photographs

Customers with accounts in the banks mentioned above can obtain a RuPay debit card by filling out a form at their bank branch, requesting for a RuPay debit card.

How to use RuPay Cards for Online Transactions

RuPay Debit Card is a product of National Payments Corporation of India (NPCI) which enables its users to carry out online transactions. You can follow the steps given below when you use RuPay Debit card online for the first time:

Step 1: First register for ecommerce payments to use RuPay card for any transaction.

Step 2: Once you register, a payment screen will appear. Here, select the RuPay card as the payment option.

Step 3: Enter the details of your cards which includes your card number, expiry date and CVD (3-digit number on the back of your card).

Step 4: Next you will receive an OTP on your registered mobile number as well as on your registered email ID.

Step 5: Enter the OTP.

Step 6: Next you will have to select an image from a small collection of images. The image needs to be remembered for all future transactions.

Step 7: You will be required to enter a phrase of up to 40 characters and remember this phrase for all future transactions.

Step 8: Lastly, you have to enter your ATM PIN.2

Step 9: For some banks, a RuPay Premium PaySecure Service pop-up window is displayed on the screen and you are registered while you make the transaction.

For subsequent transactions:

1. On the payment page, you must enter all the card details such as card number, CVD, and expiry date.
2. You must also identify the correct image, the one that was registered during the first transaction.
3. Also, you must enter the correct phrase used while registration.
4. Enter the correct PIN to complete the transaction.

RuPay Card in Jan Dhan Yojana

Adding a provision of RuPay Card in Jan Dhan Yojana has added to the scheme’s benefits. It is expected to be India’s answer to the top most transaction processing cards in the world. Benefits of having a RuPay Card in your Jan Dhan Yojana account are:

1. Insurance Cover: upto Rs.2 Lakhs
2. Faster processing: RuPay cards enable faster processing of transactions as the card is domestic. Since the transactions take place within India, the process is fast.
3. Affordable: RuPay cards come at an affordable cost. This enables the banking facility and card technology to be reachable to remote areas.
4. Lower processing fee: As the transactions are within India and the processing is carried out domestically, the fee is lower per transaction.
5. Use in ATMs: The RuPay card can be used in over 1.45 lakh ATMs all over the country. More than 8.75 lakh POS terminals allow usage of these cards. 
6. Privacy protection: Usage of the RuPay card ensures protection of its data as it happens within the country.
7. Customised products and services: Indian users of the card can avail a wide range of benefits including customized services and products.
8. No processing fee: As RuPay is issued by a government body, banks are not allowed to use its services without any additional quarterly processing fee.

RuPay Card vs Visa, AmEx, and MasterCard

RuPay is a card scheme that was developed by the National Payments Corporation of India (NPCI). Since it is a domestic card scheme, there are some areas where RuPay differs from its peers such as MasterCard, Visa, and AmEx.

The following are a few points of distinction between RuPay and other International Debit Cards schemes.

Issuing Banks

The following are a list of banks in both the public and private sector that issue RuPay debit cards: