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  • RuPay Credit Card

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  • First launched in 2012, RuPay is the first domestic card payment network in India. Until RuPay was introduced, the debit and credit card industry in India has been dominated by international payment networks, Visa and MasterCard. This is the reason why we used to see either the Visa or the MasterCard logo on most of our cards.

    Though a late entrant, the RuPay network, a proud product of National Payments Corporation of India (NPCI), grabbed the second position in terms of the value and the volume of transactions done through the cards by 2018.

    The network also fulfils the Reserve Bank of India's (RBI) vision for a 'cash less' economy while empowering it and the Indian Bank's Association (IBA) to provide a safe and secure electronic payment and settlement system in the country.

    What is a RuPay Card?

    Coined from the words 'Rupee' and 'Payment', RuPay is the country's own initiative for debit and credit card payments.

    Just like Visa and MasterCard, RuPay is not a card by itself. Instead, it is a payment network through which banks or credit card issuers can issue the debit or credit cards. As we are aware, a payment network plays a key role in processing card payments that are done electronically.

    Any bank or card issuer which chooses RuPay as a payment provider, can issue a RuPay credit or debit card.

    Currently, RuPay network has 10 core promoter banks including State Bank of India, Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union bank of India, ICICI Bank, HSBC, HDFC Bank, and Citibank.

    It has been collaborated with more than 600 international, regional and local banks across India. In 2016, the network's shareholding has been extended to 56 more banks to expand its reach across sectors.

    How Does a RuPay Card Work?

    A RuPay card offers customers enhanced security in the form of an embedded EMV chip enabling high value transactions to be done with complete protection.

    Additionally, RuPay cards also carry an inbuilt microprocessor circuit containing information about the card owner.

    RuPay cards can be used at over 1.5 lakh ATMs on the National Financial Switch network and purchases can be made at over 8.75 lakh point of sale terminals across India.

    Customers can also use RuPay cards for online transactions and purchases at over 10,000 web portals. NPCI has tied-up with 29 major banks to enable PIN based PoS transactions via RuPay cards across various merchant outlets in India.

    Banks issuing RuPay Cards

    Currently, RuPay Cards are being issued by more than 700 banks in India. More than 350 million cards are issued till date.

    Variants of RuPay Cards

    RuPay is currently used to issue three different cards.

    1. Credit Cards
    2. Debit Cards
    3. Pre-paid cards

    RuPay Credit Cards

    Launched in June 2017, the RuPay credit cards enable secured payments for purchasing goods and services at merchant locations in India as well as in abroad.

    Broadly, there are three variants of RuPay credit cards -

    1. RuPay Domestic and International Credit Cards
    2. RuPay Card variants - Classic, Platinum, and Select
    3. RuPay Consumer and Corporate Credit Cards

    RuPay Domestic and International Credit Cards: RuPay Domestic Credit Cards are for national usage and are accepted at RuPay-powered merchant terminals, online websites, and ATMs in India.

    RuPay Global Cards, the international variant of the cards, are being issued in partnership with Discover Global Network. The network includes Diners Club International, Discover Network, PULSE and affiliated networks.

    The Global Cards are currently issued by 40 banks and can be accepted at all merchant locations and ATMs on the Discover Global Network at major countries like USA, Sri Lanka, Singapore, etc.

    RuPay Credit Card Variants

    RuPay Credit Cards are currently available in three variants - RuPay Classic, RuPay Platinum, and RuPay Select.

    • RuPay Classic Credit Card: The card provides exclusive offers at merchant terminals in India and at online sites. A comprehensive accidental insurance cover worth up to Rs.1 lakh comes as a complimentary to the card.
    • RuPay Platinum Credit Card: The Platinum variant provides you with attractive welcome gifts from various brands, cashback on dining and utility bill payments, personal accident cover worth up to Rs.2 lakh, offers at both online and merchant terminals and 24/7 concierge assistance for travel assistance.
    • RuPay Select Credit Card: A premium variant, the RuPay Select Credit Card, provides exclusive lifestyle benefits. Key features offered by the card include complimentary domestic and international lounge access, 24X7 concierge assistance for travel, entertainment and dining, free accident insurance cover worth Rs.10 lakh, 5% cashback on ATM withdrawals and 10% cashback at merchant terminals.

    Where are Rupay Credit Cards Accepted?

    RuPay credit cards can be used for card-present transactions involving ATMs and point of sale terminals and card not-present transactions such as online shopping websites, IVR, etc.

    While the domestic RuPay credit cards are accepted at all RuPay enabled retail terminals, online websites and at all ATMs, international RuPay credit cards can be used at all RuPay acceptance points in India and all ICS partner acceptance points such as ATMs, retail terminals and online shopping websites.

    RuPay Credit Card Offers 2019

    The latest offers on Rupay cards are listed below

    Offer From Offer Details Promo Code Validity
    BookMyShow Flat Rs.150 off on BookMyShow ticket bookings NA 31 March 2019
    Zomato 50% discount up to Rs.100 on Zomato orders RUPAY100 31 March 2019
    RedBus 10% cashback up to Rs.100 on bus ticket bookings on RedBus NA 31 March 2019
    Ixigo Flat Rs.600 off on flight bookings through ixigo NA 31 March 2019
    BigBasket 20% discount on order at bigbasket.com BBRUPAY 31 March 2019
    Abhi Bus Flat 50% cashback up to Rs.300 on all bus ticket bookings on Abhibus CHBKABRUPAY 31 March 2019
    FirstCry Flat Rs.650 discount on minimum purchase of Rs.1,999 at First Cry RUPAY 31 March 2019

    Benefits of Using RuPay Cards

    RuPay cards offer various benefits to both card issuers and cardholders with superior customer service and higher levels of acceptance.

    NPCI offers RuPay cards at low processing fees along with instant SMS alerts for every transaction made by a customer. Some of the key benefits offered by the cards are listed below.

    • RuPay cards help save costs: Being a domestic payment system, all transactions will happen inside India leading to lower clearing and settlement cost for each transaction. Banks will benefit immensely from this as transaction costs become affordable, directly leading to increase in usage of RuPay cards across the country.
    • Customised for Indian consumers: Made in India, for Indians, RuPay cards are designed and manufactured to cater to the needs of Indians with maximum flexibility to customise the product and services offered.
    • RuPay transactions are secure: Since all the card transactions take place within India, customers can be rest assured that their personal information and data remains inside the country, without the intervention of foreign organisations.
    • RuPay cards enable banks to tap into new consumer segments: Financial institutions in India can use RuPay cards to introduce the electronic way of life to certain sections in India, where banking services are still unavailable.

    Rural areas will benefit from RuPay products as they are indigenous and work to be very economical for banks planning to offer them to unexplored customer segments.

    • Products and payment channels brought closer: RuPay cards aim to connect various payment channels and products in India. Customers can access services like ATM services, banking transactions, e-banking services, requests for credit instruments, etc. using RuPay cards across different banking platforms.
    • Online payments with RuPay are quick and safe: E-commerce transactions using RuPay cards can be done without any hassles and in a very secure manner. RuPay cards carry a two-tier authentication process as mandated by the RBI and offer protection against phishing and data logging. The online interface is also very user-friendly and processes card transactions at a very fast rate.

    FAQs related to RuPay Credit Cards

    • Is RuPay Card available for agriculturists and farmers?

    Yes, RuPay has a Kisan card exclusively for farmers, enabling them to perform ATM and PoS transactions.

    • Does RuPay charge any quarterly fee or joining fees for cardholders in India?

    The joining fee or any other fee on a credit card is typically charged by the card issuer not by RuPay.

    • What is the reach of a RuPay card with regards to the inclusion of member banks?

    RuPay has partnership with private sector banks, public banks, rural as well as with co-operative banks. This is a huge advantage for RuPay customers as the reach of a RuPay card is quite high with tie-ups even with smaller banks across India.

    • Can RuPay cards be used for international transactions?

    Yes, RuPay Global cards with Discover, Diners and Pulse Network logos can be used at over 39.3 million merchant locations and at over 1.88 million ATM locations in 185 countries across the world.

    • What is the CVD number of RuPay Cards?

    CVD or card validation data is a 3-digit number printed on the back of the RuPay card. It is similar to CVV as referred by international payment networks.

      

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    RuPay Credit Card Reviews

    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC RF Rupay credit card for last 6months. The credit limit is good and enough. The annual fee is not applicable. They have given me reward points, 1 point = 1 rupee. The payment mode is very much easy. The charges are reasonable. Their website and mobile app is user friendly.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 17, 2019
    • Axis Bank
      Bank Bazaar Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have been availing bank bazaar service for long time, their service is good, they use to chase their customer good, but some suggestion i would like to give them to improve being the high profile interface they should entitle to me transparent in their commitment, as the commitment for offers which they made they should update to the customer so that it would be feeling relax that anyhow it would be coming to us that voucher, and they should add rupay credit card as well in their portal so that even it would be good for me.
      Was this review helpful? 0
      , pune
      Reviewed on May 05, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Rupay credit card through online portal because of the credit limit and it was satisfactory. The customer service was good. There is no annual fee and am using the card for more than a month. It has discounts on online.
      Was this review helpful? 0
      , kochi
      Reviewed on May 03, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding SBI credit card from long time, their service was average, as their enlisted payment option not available in mostly nationalized bank for example rupay card i am unable to do payment, they have charged me annual fee in this card, i am okay with the limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2019
    • Punjab National Bank Credit Card
      "Not satisfied "
      0.5 1.0/5 "Really Bad"
      I have been applied for Punjab national bank credit card for recently, it rupay card but i am not happy with their service, i am not happy with the payment option like if any one has credit card with this bank then no use because they say that i should maintain saving account as well with them. even i got card after 5 months it was too much delay, i have issue in doing payment or doing any transactions.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2019
    • HDFC Bank Credit Card
      "Good Feature Credit Card"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Rupay credit card, it gives 80% of cash withdrawal option, they have good reward points on the purchasing products and for the emi conversion, the interest rate is very good as per the market. I am very much fine with feature of the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 02, 2019
    • HDFC Bank Credit Card
      "Not satified"
      0.5 2.0/5 "Expected more"
      My credit card was taken with HDFC bank 3 months back. I hold a rupay card and the daily withdrawal limit is 25,000 which is not satisfactory so I have canceled the card,. The offers are not good here and its a chargeable card .My overall experience wasn't good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 15, 2018
    • RBL Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Using Rbl credit card for last 1 years . There customer service and response is good Am satisfied with credit limit which they have provided .There are annual charges for that card There are some additional charges for the rupay card . Its an average credit card to use.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 06, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am being relationship with this bank for past 10 years, its really good, processing and documentation was easy, it was hassle free, limit of the card is satisfied for me, only thing is that i wanted to upgrade this card to visa or rupay, other than that he card reached me on time, online banking is fine for the credit cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2018
    • Central Bank of India Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      My saving account was taken with CENTRAL BANK 9 years back. They have offered rupay card and daily withdrawal limit was 20,000.I am satisfied with the customer service and responses. The interest rate and charges are average in the market. Here 2000 is the minim balance to maintain the account.
      Was this review helpful? 4
      , mumbai
      Reviewed on Jul 26, 2018
    • Central Bank of India Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a credit card with the Central Bank of India. It is a Rupay card. The card is good but they do not have any exceptional offers worth commending. They need to come up with offers for their customer. This is just like any other card that you can find in the market.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 25, 2018
    • HDFC Bank Credit Card
      "Good Process, not so good product, conservative Bank"
      0.5 2.5/5 "Just OK"
      Got a HDFC diners international card. While the process didn't have many hitches, but was attended to in a lazy fashion certainly. What disappointed me was that its not one of the widely accepted cards, specially for online purposes, as it is not either VISA, Master or Rupay. You can just pay at POS or withdraw cash, NO ONLINE PURCHASE And then HDFC is anyways known as a Hyper conservative bank. Reduced my credit limit by 56 % of what availed by me by other banks. Normally you get 2-2.5 times your salary, HDFC made it 1.9 times the salary. It has nothing to do with CIBIL rating, i.e. My CIBIL cannot be different for two banks. isn't it ? All in all a good bank with wrong product strategy
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2014
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