RuPay Credit Card

RuPay, India’s own payments system, offers a wide range of credit cards in collaboration with some of the top financial institutions. More than 1,300 banks and commercial institutions offer RuPay Credit Cards. It also facilitates Unified Payments Interface (UPI) integration for seamless digital payments.

RuPay cards offer a unique blend of convenience, security, and benefits. As compared to Visa and Mastercard, these cards typically have lower charges for customers.

Many banks and financial institutions provide cards from this payment network. Check out some of the top RuPay Credit Cards along with their charges. 

This payment network offers a diverse range of credit cards to cater to different lifestyles and spending habits.

1. RuPay Classic Credit Card

This variant of RuPay Credit Card provides exclusive offers at various merchant stores and online websites. 

• Enjoy offers on shopping in various categories

• Get discounts and exclusive rewards on offline and e-commerce purchases

2. RuPay Platinum Credit Card 

This type of card provides exclusive lifestyle benefits to frequent travellers. 

• Get exclusive offers from partner brands

• Enjoy concierge services for hotel reservations  

• Get access to accident insurance coverage of ₹2 Lakhs

3. RuPay Select Credit Card

This premium variant of the RuPay Credit Card extends a wide range of lifestyle benefits.

• Enjoy complimentary visits to lounges at domestic and international airports

• Get access to gym, spa services, golf program, and health check-ups

• Enjoy free subscriptions to select Over The Top (OTT) platforms

• Get round-the-clock concierge services ranging from travel assistance to hotel reservations 

• Enjoy exclusive merchant offers from partner brands and stores

• Get personal accidental and permanent disability cover of ₹10 Lakhs

In its June 2022 circular, the Reserve Bank of India has allowed individuals to link credit cards with the UPI interface. RuPay Credit Cards were the first to get integrated with the UPI interface. 

This functionality made the process of digital payments and fund transfers more streamlined.

This homegrown payment system ensures secure and efficient payments. Check out how their credit cards work-

• It comes with an in-built microprocessor circuit that contains your information

• This embedded chip enables you to make secured transactions

• You can use these cards at over 42 million merchants’ Point of Sale (PoS) machines globally 

• You can also use them at ATMs operated by the National Financial Switch network 

• You can swipe these cards for international purchases in over 1.90 million locations in 200+ countries

In recent years, this payment network has expanded its reach significantly. You can use RuPay Credit Cards online or offline at the following destinations-

• ATMs 

• Point-of-sale terminals

• Online shopping portals 

• Interactive Voice Response (IVR)

• Several international ATMs

• International retail terminals

Check out how you can make payments using this ecosystem:

1. Open a third-party UPI application on your mobile device after you have linked your credit card

2. Tap on the ‘Pay’ or ‘Scan QR’ option

3. Enter the merchant’s Virtual Payment Address (VPA) or scan the QR code

4. Enter the amount for payment

5. Select your RuPay Credit Card as the preferred payment option

6. Provide your MPIN to complete the transaction

Here’s a brief list of some of the banks and financial institutions that have adopted this payment system.  

• Punjab National Bank 

• IDBI Bank 

• Union Bank of India  

• State Bank of India 

• Saraswat Cooperative Bank

• Federal Bank

• Bank of Baroda

• IDFC FIRST Bank 

• Axis Bank

• HDFC Bank 

• Kotak Mahindra Bank 

• Canara Bank 

• SBM Bank

You can access these financial products online or offline. Check out how you can get them through an offline process:

1. Visit the nearest branch of your bank

2. Fill in the application form with the necessary information 

3. Submit all the required documents like your Aadhaar card, income proof, etc.

Check out how you can apply for a RuPay Credit Card online: 

1. Visit your bank’s official website

2. Fill in the online application

3. Attach the required documents and submit the form to complete the process