Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • RuPay Credit Card Reviews

    • Bank Bazaar Customer Support
      "CREDIT CARD"
      0.5 5.0/5 "Blown Away!"
      THIS IS ONE OF THE MOST COMFORTABLE SITE AND VERY FRIENDLY SITE TO UPDATE ONLINE FOR THE CREDIT CARD AND HELPED ME OUT AND GIVEN SUITABLE CREDIT CARD DEPENDS ON OUR ELIGIBLITY. AND MY ADVICE TO YOU ALL IS, TO USE ONLY BANK BAZAAR .COM FOR ANY FINANCIAL NEEDS.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      On the website itself, I have completed all the formalities easily like adhaar card details company details etc. They all require information for a basic application without wasting time and once again thanks to Bank bazaar. com. Thanks & regards Haroon Rasheed Hyderabad
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 28, 2017
    • Bank Bazaar Customer Support
      "Excellent service by bankbazaar.com"
      0.5 5.0/5 "Blown Away!"
      User friendly excellent service from Bank bazar.com This is the only website which will assist you the best by giving the product information Bank credit cards packages my mails messages phone calls and the response from bankbazaar it's excellent. Bankbazaar.com which is helping to get our needs in limited time with best offers this website is helpful for the public. So thank you for giving me the best support from customer service care.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Better service for customer"
      0.5 4.0/5 "Great!"
      HDFC is good they not adding any over limit charges, I am using jet privilege card. I could redeem the reward points only for the flight ticket bookings. HDFC bill are clear, they updated everything on time an every month they gives gentle reminder and proper updates about the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 2.5/5 "Just OK"
      SBI taking too many charges for the credit card, example If I have a credit limit of Rs.50, if I use upto Rs. 49,000. SBI taking some over limit charges. Many times I raised the complain to waiver off the charges its very bad. Points are good in SBI for the transaction, for every spent of 100 points, I would be getting two points.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I haven't used HDFC bank diners club card much. The reward points cash back offers are available in this card but I haven't used it. I am happy with the credit limit. The rate of interest is nominal with this credit card. The service which I get on my credit card is really great. I was holding this card for the past 5 years.
      Was this review helpful? 1
      , madurai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back is really good to use, because it has so much of offers with it, like cash back offers, reward points and etc the reward points can be redeemed as cash. I am happy with the HDFC bank money back credit limit. The rate of interest is nominal with HDFC bank card. I am satisfied using HDFC bank card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
    • Axis Bank Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      I am holding this axis bank credit card for past 5 years. I am happy about the credit limit. The rate of interest is nominal with axis, when compared with others. The customer service and the response part is good with axis bank. I am a happy customer to axis bank.
      Was this review helpful? 0
      , kakinada
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "GOOOD"
      0.5 3.5/5 "Pretty good"
      Bankbazaar provides very nice user experience and information related to bank and other operations. Would be very helpful on knowing in depth about the bank related information and their system. Also I am looking out for a good service as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      Right now I am getting good reward point for my HDFC credit card transaction, I could redeem the points into cash. When I want to redeem the points, I could visit to the nearest branch to place a request. HDFC credit limit is also good very much satisfied.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Charges should be minimal"
      0.5 3.0/5 "Satisfactory"
      SBI charged 3000 rupees for joining for platinum credit card, but they provided 3000 cash back. I could use it in yatra.com or shopper stop. SBI customer service is good, they provide what I need but they are not proactive. They never call to the customer to inform about new offers. SBI payment gate is very difficult, last month I paid NEFT payment on last day, it got reflected after 2 days for that SBI charged around Rs.2400 on my bill.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      Which I am using HDFC money back its superb to use. Whenever I do the transaction around 150, I would be getting 3 points. For one 1000 points they providing 300 rupees, I could redeem into cash or pay the outstanding. HDFC customer service is good, they are always there to listen and ready to help me at any point of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      Having a HDFC bank Money back credit card for past 3 years. I get money back, reward points, cash back offers with this card. They are charging too much if we miss to do the payment on time and the late fee charges also high, when compared with others. The credit limit need to be increased with HDFC credit card. The rate of interest is high when compared with others.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jun 27, 2017
    • IndusInd Bank Credit Card
      "Supportive services"
      0.5 4.0/5 "Great!"
      I bank with Indusind Bank for a credit card as well and there is transparency in banking with them. No hidden charges and the offers they provide is also up to the mark. It is useful and the card can be accessed all over. The credit limit is satisfactory to me.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am very much happy, this is very much useful application this is financially helping application and the response is also good . Fast Service home loan, personal loan, car loan, credit card also available, it is a one platform, I am very much happy with Bankbazaar services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 27, 2017
    • Bank Bazaar Customer Support
      "Credit card application "
      0.5 5.0/5 "Blown Away!"
      The process is simple and user friendly as much as it can be. I am not sure whether the application will be successful or not. Good services - just one thing verification from bank should be done via e mail too in case some one misses the verification call by any means. All in all great services !!
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 26, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      The credit card experience has been good from Kotak Mahindra bank. The offers and the credit limit is up to my expectations. There has not been any inconvenience till date and my card is acceptable at all outlets and online as well. There are no extra charges.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 25, 2017
    • Bank Bazaar Customer Support
      "Bank bazar is a excellent app"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar customer executive is very good, talking for any bank inquiry so it was an excellent job and for any query solving any problem so good thinking of executive and bank bazar. Com app very excellent and class one application any inquiry and even credit score is available.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jun 25, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      There is a balance transfer feature on my SBI credit card and that benefit what they provide is also good. There is a processing fee of Rs. 450 for every 30K. The statements are on time and there is a annual charges of 499. The offers and credit limit is provided by them is good and it is very much satisfactory too.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    • ICICI Bank Credit Card
      "The best"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the banking services are good in this product as well. From time to time I get the offers and there are other good deals online too. There is a fee of 499 and the benefit of a loan on card is the best as I can take it instantly with no paper work.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    Common Loader Icon

    RuPay Credit Card is Rated as "Excellent!" by 35841 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Focusing on the need to integrate all retail payment systems under one umbrella, The Reserve Bank of India set up the Board for Payment and Settlement Systems in 2005, which eventually led to the formation of National Payments Corporation of India (NPCI). NPCI has been endorsed by RBI and currently has ten promoter banks namely, 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.

    What is a RuPay Card?

    Representing a miniature India in itself, the name RuPay, has been coined from two separate words namely, “Ru” from the Indian Rupee and “Pay” from payments. The RuPay card was introduced by NPCI in accordance to RBI’s vision of setting up a domestic payment system in India, which will allow Indian financial institutions to facilitate electronic payments across the country. With major competitors like MasterCard and Visa, RuPay has been trying to establish a strong foothold in the international market and is accepted on the Discover payment network owing to NPCI’s collaboration with Discover Financial Services (DFS).

    How does a RuPay Card work?

    Any 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 145, 270 ATMs on the National Financial Switch network and purchases can be made at over 875,000 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 formed tie-ups with 29 major banks to enable PIN based PoS transactions via RuPay cards across various merchant outlets in India.

    Benefits of using a RuPay Card:

    RuPay cards are still relatively new in the Indian market, but offer various benefits to card holders 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.

    1) RuPay cards help save cost:

    Being a domestic payment system, all transactions will happen inside India leading to lower clearing and settlement cost for each and every transaction. Banks will benefit immensely from this as transaction costs will become very affordable, directly leading to increase in usage of RuPay cards across the country.

    2) Customised for Indian consumers:

    Made in India, for Indians! RuPay cards will be designed and manufactured to cater to the needs of Indians with maximum flexibility to customise the product and services offered.

    3) RuPay transactions are secure:

    Since all the card transactions take place within India, customers can rest assured that their personal information and data will remain inside the country, without the intervention of foreign organisations.

    4) RuPay cards enables 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 also work to be very economical for banks planning to offer them to unexplored customer segments.

    5) 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.

    6) 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 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.

    Launch of RuPay Credit Cards:

    With RuPay debit cards having a successful run in the Indian market, NPCI has decided to launch RuPay credit cards in 2016. Anticipated to improve RuPay penetration in India, the organisation is of the thought that the credit cards will help tap into new segments across India. NPCI expects that the new RuPay credit card will rise to be a tough competitor for Visa or MasterCard services, which already have a well-established customer base in India. Currently, 13% of all transactions done at PoS terminals, ATMs and e-commerce websites are done using RuPay cards, with a steady rise in the number of transactions, every month.

    RuPay credit cards will also be launched in the global arena with tie-ups with foreign institutions under the name, RuPay International. NPCI recently announced that financial institutions like JCB from Japan have tied up with RuPay to enable overseas transactions and China Union Pay is now in talks with the organisation to establish a collaboration soon. RuPay will also be contributing to the e-banking segment by providing various platforms for mobile banking and internet banking and will also facilitate the growth of e-retail payments in India.

    RuPay Credit Cards FAQs:

    1. Does RuPay offer cards for agriculturists and farmers?

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

    2. Does RuPay charge any quarterly fee or joining fees for card holders in India?

      Unlike other payment channels, RuPay does not have a mandatory quarterly fee or joining fee to be paid by customers.

    3. 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 and rural as well 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.

    4. Can RuPay cards be used for international transactions?

      Yes, RuPay cards can be used for cashless transactions anywhere across the globe.

    News About RuPay Credit Cards

    • RuPay credit card to be launched by the National Payments Corporation

      NPCI or the National Payments Corporation of India has entered into the credit card market. National Payments Corporation of India announced that they would launch their RuPay credit card very soon. According to M. Balachandran, Chairman of National Payments Corporation of India, stated that the commercial launch of their RuPay credit card will happen within a month. National Payments Corporation of India at present, offers RuPay debit cards. It has partnered with 10 different banks including, co-operative banks and public sector banks. This information was provided by Balachandran. The RuPay debit card offered by the National Payments Corporation of India was launched in the year 2012.

      Balachandran added that NPCI is all set to launch their RuPay credit card as a part of this particular launch campaign. He added some statistics and mentioned about the 775 million debit cards that are operational in the current market. The RuPay credit card will come in four different variants. The top-end card will come with insurance coverage worth Rs.10 lakh. As a part of future plans, Balachandran said that the National Payments Corporation of India will also launch tap and go cards that can be used for traveling in the Kochi Metro project. This project will be inaugurated by Prime Minister, Narendra Modi. He also added that similar cards will be intreoduced for BMTC services in Bangalore.

      20th June 2017

    • RuPay credits cards, transit cards to be out soon

      The National Payments Corporation of India (NPCI) will soon launch RuPay credit cards as part of a pilot project to encourage digital payments in India.

      As of now, the banks that are part of this project are Punjab National Bank, Central Bank of India, IDBI Bank, Andhra Bank and Union Bank.

      Apart from this, transit fare cards will also be issued to enable payments in metro trains and busses. Transit cards are first likely to be launched in Bangalore and later in Kochi and Ahmedabad.

      11th May 2017

    • NPCI credit card to hit the market by this year end

      National Payments Corporation of India or the NPCI has been in the process of launching a credit card of their own. The progress around this has been significant and the new credit card is expected to be launched by this year end. Over 35 per cent of the debit card market is controlled by the NPCI and with the launch of this credit card, NPCI aims to make way into the credit card market too.

      This delay in the launch of credit card is because it has been waiting to move from the FIS switch to the new switch from Euronet. This new switch is supposed to be completed by August 2016 after which the NPCI credit card can be launched safely. Without the Euronet switch customers would have faced issues in aligning with the new switch. IN 2015, NPCI had launched the debit card Rupay which has gone ahead to capture 35 per cent of the debit card market.

      9th June 2016

    • RuPay Credit Cards Set to be launched in September 2016

      As per a recent announcement by the National Payments Corporation of India (NPCI), the RuPay credit cards are set to be launched by September of this year. Around 10,000 RuPay credit cards will be issued at the time of its launch. This credit card payment option will be available in two variants- the Platinum credit card and the Regular credit card. Using this scheme, the NPCI aims to replace the international payment service providers such as Mastercard and Visa in India. From next year onwards, NPCI aims to issue 500,000 - 1,000,000 RuPay credit cards a year.

      2nd May 2016

    • RuPay’s market share increase due to the Pradhan Mantri Jan Dhan Yojana scheme.

      According to a survey conducted by JM Financial, the usage of RuPay cards has increased to 38% of the market share as compared to other debit cards. This growth has been achieved due to the Pradhan Mantri Jan Dhan Yojana financial inclusion scheme. In terms of card transactions, RuPay has a share of 20.4% of the ATM transactions and 4.1% of the purchase transactions. With the launch of the RuPay credit card expected in the month of September, a robust branding campaign is being put together to promote the usage of RuPay across the country. RuPay would also be partnering with 11 payment services to improve its market share. Though the Jan Dhan Bank accounts have contributed significantly to the increase, RuPay still needs to gain more momentum to compete with top card issuers in the country.

      21st March 2016

    • RuPay Credit Cards to be launched in June, 2016

      RuPay Credit Cards will be launched this year in June, by NPCI (National Payment Corporation of India). Currently, the promoter is working on updating the technology and technical improvements for the credit card. RuPay credit cards will be available in both Visa and Mastercard variants. NPCI has partnered with Discover Financial Services (U.S based company), JCB Co (Japan based company), and China UnionPay so as to permit the usage of the chip-based card abroad. RuPay card payment system currently facilitates electronic payments to all banking and financial institutions in India.

      3rd March 2016

    • NPCI to introduce Rupay Credit Cards in 2016

      The National Payments Corporation of India (NPCI) has announced that it will introduce a Rupay enabled credit card by mid year 2016. The Chairman of the NPCI, M. Balachandran had said that there are 241 million Rupay cards in circulation. The Rupay segment comprises of 35% of the total number of cards in circulation in India. Rupay accounts for 20% of the country’s card-based transactions.

      NPCI has enhanced its paid-up capital by Rs. 37 crore making its total paid-up capital Rs. 137 crore. NPCI increased its stakeholders by widening its base between public and private sector banks. Though NPCI is a non-listed entity and does not declare dividends, 56 banks are shareholders.

      25th February 2016

    • National Payments Corporation of India Limited to launch a new Unified Payment Interface in April 2016.

      The National Payments Corporation of India Ltd has launched a payments interface through which customers can easily transfer money and make bill payments. This interface will be live in April and RuPay payments can also be done using this system. Currently, in a testing phase, this interface will be introduced with the inclusion of twenty nine banks from the first quarter of the upcoming financial year. The Unified Payment interface will allow customers to make instant fund transfers to different banks using a single identifier. The user can link multiple bank accounts to a single mobile application, with funds being transferred and received through the interface. Information like one-time passwords, bank account numbers and phone numbers need not be entered while making transactions here. Customers do not have to provide any net banking or card details while using the interface. Along with the new payment interface, NPCI is also planning to launch four more products during the course of the year, namely - electronic toll collections, Bharat Bill Payment System (BBPS), RuPay credit cards and a tap-and-go transit card.

      18th January 2016

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