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Credit Card Rupay

RuPay Credit Card

✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

About RuPay Credit Card

Introduced in 2012, by the National Payments Corporation of India (NPCI), RuPay credit card is a special type of credit card that uses India’s domestic electronic payment settlement system. The card was conceived to be a domestic alternative to international payment networks such as Visa and MasterCard. Currently, RuPay offers a range of credit cards in the market that are widely accepted at point-of-sale (PoS) machines and e-commerce websites within India and at several overseas locations. To make RuPay cards available to all and to enable PIN-based transactions, NPCI has partnered with several major banking institutions in the country.

Top RuPay Credit Cards in India

Card

Best Suited For

Fees

Benefits

*HDFC IndianOil Credit Card

Travel

Joining and Renewal: ₹500 + GST

  • Earn upto 50 Litres of free fuel every year

  • Convert 5% of your spends as Fuel Points at IndianOil outlets, on spends of groceries, bill payments, etc.

  • Get complimentary membership to IndianOil XTRAREWARDSTM Program (IXRP)

  • Earn 1% fuel surcharge waiver at all fuel stations across India

  • Get renewal fee waiver on spends of ₹50,000 annually

*Bank of Baroda Easy RuPay Credit Card

 

Rewards

Joining and Annual Fee: Nil

  • 5x reward points on every ₹100 spent on groceries,

  • 1x rewards on every ₹100 spent on other categories

  • Option to convert Convert purchase of above ₹2,500 into EMI

*IDBI Winnings RuPay Select Card

 

Rewards

Joining Fee: Nil

Annual Fee:₹899 (From second year onwards)

  • 10% cashback on all transactions with a minimum value of ₹500 within 90 days of cash issuance

  • 500 Delight Points on 5 transactions of ₹1000 each per month

  • Airport lounge access

  • Fuel Surcharge waiver

  • Personal accident cover of up to ₹10.00 lakh

Shaurya SBI RuPay Card

 

Shopping

Joining Fee: ₹250

Renewal Fee:₹250

  • 5x points on every ₹100 spent on Movies, Dining, Grocery, and Departmental Stores

  • 1x point on every ₹100 on other categories

  • Personal Accidental Insurance Cover of ₹2 lakh

  • 1% surcharge waiver on fuel

IRCTC RuPay SBI card

 

 

Travel

One Time Annual Fee:₹500+ tax

 

Renewal Fee:₹300

  • 350 activation bonus points on spends of ₹500 (except fuel & cash) or more within 45 days issuance

  • Get upto 10% value back on AC1, AC2, AC3, and AC CC ticket bookings via IRCTC website/app using the card

  • 4 complimentary railway lounge access per year at participating lounges in India

Disclaimer: Terms and Conditions apply. *Bank is not a Bajaj MARKETS partner.

How to Apply for a RuPay Credit Card

Several banks offer RuPay cards. If you wish to apply for a RuPay credit card online, follow the steps mentioned below:

  1. Visit the Bajaj MARKETS website.

  2. Go to the credit card section and browse through the range of credit card options. Select the best RuPay credit card for you.

  3. Enter the details requested, such as email id, contact number, etc.

  4. Click on 'Apply for Credit Card'.

  5. Validate with the OTP received and get access to your credit card application form.

  6. Check the credit card eligibility.

  7. Fill in all applicable details and click on ‘Submit’.

Alternatively, you can also apply for RuPay credit card offline by visiting the nearest branch of the bank from which you wish to get the card. You would need to carry all relevant documents for your credit card application and request a bank representative to assist you with the application process. The representative would then check your eligibility and help you decide which is the right credit card for you.

Benefits of RuPay Credit Cards

  • As transactions are processed domestically, the RuPay platform is less expensive in comparison to other payment networks

  • The products and services offered by RuPay are designed to suit the needs of Indian customers

  • Transaction details as well as consumer data are not transferred overseas, which makes RuPay more secure and safe to use for Indian customers

  • RuPay offers personal accident insurance worth between ₹1-₹10 lakh against all its credit cards

Types of RuPay Credit Cards

  • RuPay Classic Credit Card

A RuPay Classic credit card is designed to offer great benefits when you use it to shop. The card offers exclusive merchant offers across categories such as lifestyle, spa, jewellery, retail, cosmetics, entertainment, travel, shopping, dining, edutech, gift, pharmacy, powerplay offers, and more. As a result, you can enjoy great deals when you purchase goods and services using the card.

  • RuPay Platinum Credit Card

The RuPay Platinum credit card is designed for everyday use. You can enjoy great deals and offers when you use the card for daily purchases. RuPay has partnered with several merchants across a range of categories to reward you every time you use the card. Cardholders can also enjoy insurance coverage and exclusive memberships to different programmes with this card.

  • RuPay Select Credit Card

The RuPay Select credit card is offered to high-value customers so that you can enjoy the most exclusive and finest experiences and privileges when using the card. The card offers access to merchants and deals that are best-suited for your unique and elite lifestyle.

Different RuPay Credit Card Offers

  • Exclusive merchant offers both at PoS and on e-commerce websites to help you celebrate all year round

  • Offers across various categories such as lifestyle, spa, jewellery, retail, cosmetics, entertainment, travel, shopping, dining, edutech, gift, pharmacy, powerplay offers, and more

  • 24x7 concierge services that cover everything from hotel bookings to even consultancy services

  • Comprehensive insurance worth up to ₹2 lakh (or more) to keep you and your loved ones safe through personal accident insurance cover and permanent disability cover

Where Are RuPay Credit Cards Accepted

RuPay cards can be used in almost all PoS machines in India as it operates using the domestic payment network set up by NPCI. Apart from this, the RuPay Global cards can be used at international locations that operate using the Discover, Pulse, or Diners networks. You can also use the card online to shop, make credit card payments, book flights and hotels, and much more.

FAQs on RuPay Credit Card

  • ✔️What are the fees and charges for using a Rupay credit card?

    RuPay does not charge fees such as joining or annual fee on its cards. Such charges are usually levied by the issuing bank and vary from one bank to another.

  • ✔️What is the CVD number of RuPay Cards?

    CVD in RuPay cards stands for Card Validation Data. It is a 3-digit number mentioned on the back of the card and functions in the same way as CVV. It is used for authenticating the card on international payment networks.

  • ✔️Can I use RuPay cards for international transactions?

    Yes, RuPay credit cards that are Global and have the Discover, Pulse, and Diners’ logos on them can be used internationally at merchant locations and ATMs.

  • ✔️Is RuPay Credit Card international?

    RuPay is an Indian electronic payments system that was launched by NPCI as a domestic alternative to international payment networks such as Visa and MasterCard. However, there are even Global RuPay credit cards that can be used to transact at overseas locations.

  • ✔️Where is RuPay credit card accepted?

    RuPay cards can be used across all PoS machines in India. Some RuPay Global cards can be used at international locations that operate using the Discover, Pulse, or Diners networks. You can also use your RuPay card to shop online, make bill payments, book flights/hotels, etc.

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