What is a RuPay Credit Card?

Know everything about the RuPay credit card, its benefits, features, offers, types, and how you can avail of it.
What is a RuPay Credit Card?
5 min read
05 December 2023

RuPay credit cards have become extremely popular in India in recent times, thanks to their hassle-free transactions and tons of benefits. Launched by the National Payments Corporation of India (NPCI), RuPay has carved its niche, offering a unique set of advantages to cardholders. They aim to create a domestic payment network, providing affordable, easy-to-use payment solutions to Indian consumers. Let us take a closer look at RuPay credit cards, how they work, and the benefits they offer.

How does a RuPay credit card work?

A RuPay card is a domestic debit or credit card, which can be used in India. It operates on the National Payments Corporation of India (NPCI) network, which has made transactions easy and secure. RuPay also supports UPI (Unified Payment Interface), making online transactions even simpler. To avail of UPI services, you need to link your RuPay card to your bank account. Once done, you can download any UPI-enabled app and start making transactions.

What are the benefits of a RuPay credit card?

RuPay credit card offers multiple benefits to its users. Some of the most significant benefits of using a RuPay credit card are:

  • Cost-effective solutions: One of the primary advantages of RuPay credit cards is their affordability. Many RuPay cards come with a 'lifetime free' feature, eliminating annual fees, and making them an attractive option for cost-conscious consumers.
  • Access to the UPI ecosystem: The integration with UPI empowers RuPay cardholders to leverage the vast digital payment ecosystem in India. From peer-to-peer transactions to online shopping, UPI compatibility enhances the convenience of using RuPay cards.
  • Widening acceptance: Over the years, RuPay has expanded its footprint, gaining acceptance not only within India but also internationally. This growing network ensures that cardholders can use their RuPay cards across a diverse range of merchants and platforms.
  • Tailored for domestic use: RuPay is designed with the Indian consumer in mind, offering customised benefits and rewards that cater to local preferences. This makes it a suitable choice for those who primarily engage in domestic transactions.

Types of RuPay credit cards

Know the different types of RuPay credit cards.

Credit card types


Classic RuPay Credit Card

Standard card with basic features and benefits.
Suitable for everyday transactions and shopping.

Platinum RuPay Credit Card

Enhanced credit limit and additional privileges.
Offers cashback, rewards, and discounts on specific categories.

Select RuPay Credit Card

Tailored for premium customers with exclusive perks.
Provides access to airport lounges and concierge services.

RuPay Contactless Credit Card

Allows quick and secure transactions through contactless technology.
Ideal for users seeking convenience and efficiency.

Differences between Visa, RuPay, and Mastercard credit cards

Here is a quick overview of what makes the three credit cards different from each other.






Globally accepted

Primarily accepted in India

Widely accepted globally

Market presence

International market leader

National payment network

Global presence and recognition

Transaction charges

Varies across banks

Lower transaction fees

Competitive transaction charges


High availability worldwide

Mainly in India

Global accessibility


Diverse range of cards

Tailored for Indian consumers

Diverse options with premium benefits

RuPay credit card processing fees and charges

Know the credit card processing fees:

  • Annual fee: Varies based on the type of card. Classic cards often have lower annual fees, while premium ones may have higher charges.
  • Interest rates: Typically, competitive rates are compared to other providers. Interest rates can vary based on the cardholder's credit history.
  • Late payment charges: Incurs fees for payments made after the due date. Charges may differ across banks and card variants.
  • Cash withdrawal fee: This applies when using a credit card for cash advances. Interest on cash withdrawals may be higher than regular purchases.

Eligibility criteria for RuPay credit cards in India

Know the eligibility criteria to apply for RuPay credit cards.

  • Age criteria: Generally, individuals aged 18 to 70 are eligible. The age limit may vary based on the type of card and the issuer.
  • Income requirements: Minimum income criteria vary. Different cards may have distinct income eligibility criteria.
  • Credit score: A good credit score is essential. Banks often consider a credit score above a certain threshold for approval.
  • Employment status: Salaried or self-employed individuals may apply. Some cards may require a minimum employment tenure.

Documents required to apply for RuPay credit cards

Know which documents are required to apply for RuPay credit cards.

  • Proof of identity: Aadhaar card, passport, or driving license.
  • Proof of address: Utility bills, rental agreement, or passport.
  • Income proof: Salary slips, income tax returns, or bank statements.
  • Passport-size photographs: Recent passport-sized photos may be required.

How to make bill payments for a RuPay credit card?

Know the different ways to make bill payments for a RuPay credit card.

  • Online payment: Log in to the bank's online portal. Select the credit card and follow the steps to make an online payment.
  • Mobile app: Use the bank's mobile app. Go to the credit card section and make the payment.
  • Auto debit: Set up an auto-debit instruction. The due amount will be automatically deducted from the linked account.
  • ATM payments: Visit an ATM of the issuing bank. Use the credit card to make the payment through the designated option.

What is the use of a RuPay credit card?

The usage of RuPay credit cards spans a broad spectrum of financial activities. From everyday purchases to high-value transactions, RuPay cards offer a versatile solution for various needs:

  • Retail transactions: RuPay credit cards can be used for day-to-day shopping, whether at local grocery stores or large retail chains. The cards facilitate swift and secure transactions, enhancing the overall shopping experience.
  • Online shopping: In the era of e-commerce, RuPay cards provide a secure and convenient means of making online purchases. The integration with UPI adds an extra layer of security for digital transactions.
  • Bill payments: RuPay credit cards simplify the process of paying utility bills, mobile recharges, and other recurring expenses. Cardholders can set up automatic payments, streamlining their financial management.
  • Travel expenses: RuPay's international acceptance makes it a suitable companion for travellers. From hotel bookings to dining abroad, RuPay cards offer a reliable payment option with competitive forex rates.

What is the RuPay card limit?

The credit limit for RuPay credit cards varies based on factors such as the cardholder's creditworthiness, financial history, and the specific card type. Typically, RuPay Classic cards may have a credit limit ranging from Rs. 10,000 to Rs. 50,000, RuPay Platinum cards from Rs. 50,000 to Rs. 2 lakh, and RuPay Select cards with a limit of Rs. 1 lakh and above. These limits are indicative and can be adjusted by the issuing bank based on individual profiles. Cardholders need to be aware of their credit limit to manage their finances responsibly and make informed spending decisions.

What is the advantage of the RuPay credit card?

Here are some of the key advantages of a RuPay credit card.

  • Affordability: The 'lifetime free' feature of many RuPay cards makes them a cost-effective choice, particularly for individuals who want to enjoy the benefits of a credit card without incurring annual fees.
  • UPI integration: The seamless integration with UPI adds a layer of convenience, allowing RuPay cardholders to tap into the rapidly evolving digital payment ecosystem in India.
  • Tailored rewards: RuPay cards often come with rewards and offers customised as per local preferences. This makes them an attractive option for those who seek value beyond just credit.

What is the disadvantage of RuPay credit card?

Here are some of the disadvantages of the card.

  • Limited international acceptance: While RuPay's international acceptance is growing, it may still be limited compared to global card networks like Visa and Mastercard. This can be a drawback for individuals who frequently travel abroad.
  • Limited premium options: While RuPay offers a variety of card types, the range of premium options may be more limited compared to other global card networks. This may impact individuals looking for exclusive perks and privileges.

RuPay credit cards have come a long way since their launch and have become one of the most widely used domestic payment options in India. With its secure transactions, multiple discounts, and cashback offers, the RuPay card is an excellent option for those wishing to make transactions with ease and efficiency, all while supporting the Indian economy.

Credit card benefits

Travel Credit Card

Credit card for lounge access


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Frequently asked questions

Which card is better RuPay or Visa?

Both RuPay and Visa are reputable card networks, each with its unique advantages. RuPay is an indigenous option, fostering financial inclusion with cost-effective solutions. Visa, being a global giant, offers extensive international acceptance. The choice depends on individual preferences - RuPay for domestic-centric benefits, and Visa for broader global usage.

Is a RuPay card free of cost?

Yes, many RuPay cards come with a 'lifetime free' feature, meaning they are devoid of annual fees. This makes RuPay a cost-effective option, particularly for those seeking a credit card without additional financial burdens.

Who is eligible to apply for a RuPay card?

Eligibility for RuPay cards is generally determined by the issuing bank. While specific criteria may vary, individuals meeting age, income, and credit score requirements are typically eligible. Many banks offer RuPay cards as part of their financial inclusion initiatives, making them accessible to a wide range of applicants.

How much does RuPay charge per transaction?

RuPay's transaction charges are generally competitive. The exact fees can vary between banks and specific card types. RuPay's association with UPI ensures that digital transactions often come with minimal charges, contributing to the affordability factor associated with RuPay credit cards.

Are there any charges on UPI transactions through RuPay credit cards?

No, there are no charges on UPI transactions made through RuPay credit cards. However, customers may be charged by their banks for certain transactions. Customers should refer to the terms and conditions of their banks to ascertain if any additional charges are applicable.

What are the benefits of a RuPay card?

The benefits of RuPay cards include lower transaction fees as compared to international payment networks like Visa and Mastercard, making it an affordable option for merchants and customers. RuPay also offers various rewards and cashback programs for cardholders, as well as insurance coverage and complimentary airport lounge access. Additionally, RuPay has tie-ups with various merchants and businesses, offering exclusive discounts and deals to consumers who make transactions with their RuPay cards.

Is One Card a RuPay credit card?

No, One Card is not a RuPay credit card. It’s a co-branded credit card issued by One Consumer Services Pvt. Ltd. In collaboration with various financial institutions.

Where can I use my RuPay credit card for purchases?

You can use your RuPay credit card at any point of sale (PoS), ATM, and e-commerce merchants in India. For international transactions Discover Financial Services (DFS) should be enabled.

Are there any special benefits or rewards associated with a RuPay credit card?

Yes, there are special benefits like cashback, reward points on specific spending categories, fuel surcharge waivers, and complimentary lounge access, and these benefits vary depending on the card variant.

How do I apply for a RuPay credit card?

Visit your preferred bank’s branch or apply through the official RuPay channels. Some banks even offer instant issuance if you’re an existing/ qualified customer.

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