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RuPay Bharat Credit Card

RuPay Bharat Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of India RuPay Entry

Join / Annual

₹0/₹400

Base Rate

2.0%

Reward Type

Points

Overview

The RuPay Bharat Credit Card is a Entry credit card issued by Bank of India on the RuPay network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹400
Eligibility: Min. 21 years, regular income, CIBIL score of 740 or higher preferred.

Reward Rates & Cashback Rules

  • ALL_ONLINE: 2.0% cashback | monthly cap ₹2500.0 ⚠️ Reward point accumulation is capped at 10,000 points (₹2,500) per customer ID per month.
  • CATEGORY – All Offline: 2.0% cashback | monthly cap ₹2500.0 ⚠️ Reward point accumulation is capped at 10,000 points (₹2,500) per customer ID per month.
  • CATEGORY – UPI: 0.0% cashback ⚠️ Not eligible for reward points on UPI on Credit Card transactions with a value equal to or less than ₹2,000.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ Fuel transactions are subject to a 1.00% surcharge and earn no rewards.
  • CATEGORY – EMI: 0.0% cashback ⚠️ Transactions converted to EMI are not eligible for reward points.
  • CATEGORY – Cash Withdrawal: 0.0% cashback ⚠️ Not eligible for reward points.

Key Features & Benefits

  • Airport Lounge Access ✈️: 4 complimentary domestic and 2 complimentary international visits per year.
  • Movie Discount 🎬: Get ₹250 off on the purchase of a minimum of 2 movie tickets per month via BookMyShow.
  • Quarterly Shopping Vouchers 🛍️: One discount voucher worth ₹250 per quarter redeemable at Amazon or Flipkart.
  • Quarterly Grocery Vouchers 🛒: One discount voucher worth ₹250 per quarter on BigBasket or Blinkit.
  • Swiggy Lite Membership 🍽️: Complimentary 3-month Swiggy Lite membership per quarter.
  • Insurance Cover 🛡️: Personal accident and permanent disability insurance cover of up to ₹2 Lakhs.

Eligibility Criteria

Min. 21 years, regular income, CIBIL score of 740 or higher preferred.

Features & Benefits

✈️

Airport Lounge Access

4 complimentary domestic and 2 complimentary international visits per year.

🎬

Movie Discount

Get ₹250 off on the purchase of a minimum of 2 movie tickets per month via BookMyShow.

🛍️

Quarterly Shopping Vouchers

One discount voucher worth ₹250 per quarter redeemable at Amazon or Flipkart.

🛒

Quarterly Grocery Vouchers

One discount voucher worth ₹250 per quarter on BigBasket or Blinkit.

🍽️

Swiggy Lite Membership

Complimentary 3-month Swiggy Lite membership per quarter.

🛡️

Insurance Cover

Personal accident and permanent disability insurance cover of up to ₹2 Lakhs.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Online Spends
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Reward point accumulation is capped at 10,000 points (₹2,500) per customer ID per month.
2%
All Offline
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Reward point accumulation is capped at 10,000 points (₹2,500) per customer ID per month.
2%
UPI Exclusion
⚠️ Exceptions: Not eligible for reward points on UPI on Credit Card transactions with a value equal to or less than ₹2,000.
Fuel Exclusion
⚠️ Exceptions: Fuel transactions are subject to a 1.00% surcharge and earn no rewards.
EMI Exclusion
⚠️ Exceptions: Transactions converted to EMI are not eligible for reward points.
Cash Withdrawal Exclusion
⚠️ Exceptions: Not eligible for reward points.

Value Chart

Assuming basic spends for RuPay Bharat Credit Card

Category RuPay Bharat Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹400 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 0.5% 1.0% 1.0%
★
Known Rules 		6 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Spends — 2.0% Points (cap ₹2500.0)
  • + All Offline — 2.0% Points (cap ₹2500.0)
  • + Airport Lounge Access
  • + Movie Discount
  • + Quarterly Shopping Vouchers
  • + Quarterly Grocery Vouchers
✗

Cons

  • − No reward on UPI — Not eligible for reward points on UPI on Credit Card transac
  • − No reward on Fuel — Fuel transactions are subject to a 1.00% surcharge and earn
  • − No reward on EMI — Transactions converted to EMI are not eligible for reward po
  • − No reward on Cash Withdrawal — Not eligible for reward points.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹400

Net Value

+₹5600

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Each reward point has a redemption value of ₹0.25. This gives an effective reward rate of 0.50% on most spends.

Yes, the card offers 4 complimentary domestic and 2 complimentary international airport lounge visits per year.

The card has an annual fee of ₹400 + GST. A standard spend-based waiver is not advertised.

Reward point accumulation is capped at 10,000 points per customer ID per month, which is equivalent to a reward value of ₹2,500.

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