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RuPay Credit Card

RuPay is the first of its kind, Indian domestic payment network. It was introduced in 2012, by the National Payments Corporation of India (NPCI), a government body, to cater to the growing volume of card transactions. A dependable alternative to international payment networks, such as Visa and MasterCard, RuPay provides a safe and secure environment for making cashless payments, online and offline. RuPay also has a dedicated range of credit cards that offer you several benefits to make transactions easier.

What is a RuPay Credit Card?

A RuPay credit card is a special credit card that uses the domestic electronic payment settlement system of India. Such a card has the RuPay logo in place of the usual Visa and MasterCard logo and offers RuPay’s unique benefits to its cardholders. A RuPay credit card is accepted at all POS and e-commerce websites within India and is even widely accepted at several overseas locations. To make RuPay credit cards available to all and to enable PIN-based transactions, NPCI has partnered with several major banking institutions in the country.

How Does a RuPay Credit Card Work?

A RuPay credit card works like any other credit card. The only point of difference is the payment system used to complete the transaction is domestic to India. This payment network is specially designed to offer a phishing free and safe environment for transacting. The card comes with an embedded EMV chip for enhanced security. This allows you to do high-value transactions in a completely safe manner. It also has an inbuilt microprocessor circuit that protects the user information and ensures that the same is not shared with the merchants. RuPay credit cards can be used at ATMs, POS locations, and even on numerous web portals, effortlessly.

What are the Types of RuPay Credit Cards?

There are different types of RuPay credit cards to match the specific needs of cardholders-

  • 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, jewelry, 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 everyday purchases. RuPay has partnered with several merchants across a range of categories to reward you every time you use the 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.

How to Apply for a RuPay Credit Card?

RuPay credit cards are offered by several banks. If you wish to get a RuPay credit card, you can apply for one online by following the steps mentioned below-

  • Visit the Finserv MARKETS website

  • Go to the credit card section and browse through the range of credit cards and select the best RuPay credit card for you

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

  • Click on ‘Apply for Credit Card

  • Validate with the OTP received and get access to your RuPay credit card application form

  • Fill in all applicable details in the form and check your eligibility for the card

Alternatively, you can also apply for a 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 RuPay credit card application process. The representative would then check your eligibility and help you decide on the right credit card for you and apply for the same.

What are the Documents Required to Apply for a RuPay Credit Card?

The documents required to get a RuPay credit card may vary from bank to bank. Here is a list of documents that you would likely be requested for-

  • Proof of Identity- PAN Card, Aadhaar Card, Passport, job card issued by NREGA, Driver’s License, Voter’s ID card, or any photo ID card issued by the Government of India.

  • Proof of Income- Last 3 months’ salary slips, latest filed Form 16, or last 3 months’ bank statement

  • Proof of Address- Aadhaar card, Passport, job card issued by NREGA, Driver’s License, last 3 months’ utility bills, property documents, or any photo ID card issued by the Government of India.

  • PAN card

  • Passport size photograph

What are the Different RuPay Credit Card Offers?

Here are some of the RuPay credit card benefits you can enjoy-

  • Exclusive merchant offers both at POS and on Ecom, to help you celebrate all year round

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

  • 24×7 concierge services that cover everything, from hotel bookings to even consultancy services

  • Comprehensive insurance worth up to INR 2 Lakhs to keep you and your loved ones safe through personal accident insurance cover and permanent disability cover

Where is a RuPay Credit Card Accepted?

RuPay credit 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 bill payments, book flights and hotels, and do so much more.

Why Choose RuPay Credit Cards?

There are several benefits of owning a RuPay credit card-

  • A RuPay credit card is a credible alternative to expensive international payment networks

  • 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

  • RuPay offers personal accident insurance worth between INR 1Llakh to 10 Lakhs against all its credit cards

Frequently Asked Questions

  • ✔️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 cards and have the Discover, Pulse Network, and Diners logos on them can be used internationally at merchant locations and ATMs.

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