Rupay Credit Card

Rupay Bank Credit Card Offers

RuPay is a pioneer Global Card payment network from India. It has wide acceptance at Shops, ATMs, and online. Banks or credit card issuers can issue debit or credit cards on the network. Ten Core banks have launched their cards on the Rupay network, and they include State Bank of India, Bank of India, Canara Bank, Punjab National Bank, Bank of Baroda, Union Bank of India, HSBC, and HDFC Bank. RuPay has collaborated with more than 600 international, regional, and local banks across India.

Features of Best RuPay Credit Cards

HDFC MoneyBack+ RuPay Credit Card

• 10X CashPoints on e-commerce websites like BigBasket, Reliance Smart, Amazon, Flipkart, SuperStore, and Swiggy.
• 5X CashPoints for EMI spends at locations of the merchant
• 2 CashPoints per Rs. 150 spent on other spends (Excluding fuel, loads on the wallet, loads on prepaid cards, and voucher purchases)
• Get a gift card of Rs. 500 on spends of Rs. 50,000 per quarter
• Upto 20% discount on partner restaurants via Swiggy Dineout

ICICI Bank Coral RuPay Credit Card

• Earn 2 Reward Points per Rs. 100 spent on your card (excluding fuel)
• Earn 1 reward point per Rs. 100 spends on insurance and utility categories.
• Get 2000 reward points on spends of Rs. 2,00,000 on your card and 1,000 reward points each time you cross spends of Rs. 1,00,000
• Get a discount of 25%, Upto Rs. 100 per transaction on a minimum purchase of two movie tickets on BookMyShow & Inox (Offer can be used twice in a month )
• One complimentary access to select airport lounges in India quarterly
• One complimentary access to select railway lounges in India quarterly

SBI SimplySAVE RuPay Credit Card

• Get INR 2,000 or more in the first 60 days. You get 2,00 bonus reward points as welcome benefits.
• 10X reward points on spends of INR 100 on movies, dining, departmental stores, and grocery spends
• 1 reward point per INR 100 spent on all other spends
• 1% surcharge waiver on fuel.

Bank of Baroda Premier RuPay Credit Card

• 5X i.e. 10 reward points per Rs. 100 spent on categories of dining, travel, and abroad
• 2 reward points per Rs. 100 spent on other categories
• 1 complimentary airport lounge visit quarterly
• Fuel surcharge waiver
• Zero annual fee
• Pay safely with contactless cards

RuPay Credit Cards on UPI

RuPay credit cards on UPI will give a hassle-free and completely digital payment experience for the customers. Customers will benefit from the ease and increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem where credit cards are swiped by scanning asset lite QR codes.

How to Link RuPay Credit Card With UPI?

Step 1: Open the BHIM UPI App

Step 2: Log in to the app using the passcode

Step 3: Click on bank accounts on top of the app. The existing bank accounts will be shown

Step 4: Choose ‘Credit card’ as your linking option.

Step 5: Select your RuPay credit card issuing bank from the drop-down menu

Step 6: Ensure that the mobile number associated with your issuing bank is the latest one.

Step 7: Credit cards pertaining to your mobile number will be displayed on the screen.

Step 8: Select the card you want to link. Confirm the selection.

Step 9: Generate a UPI PIN to complete the process.

How to Make Payment With RuPay Credit Card on UPI?

Step 1: Scan the merchant UPI QR Code (Static/dynamic)

Step 2: Enter the amount or pay with auto fetched amount

Step 3: Select the credit account

Step 4: Select the RuPay credit card account followed by the UPI PIN

Step 5: Check the transaction history to see if the payment has been made

What Are The Variants of the RuPay Credit Card?

RuPay credit cards currently come in three variants - RuPay Classic, RuPay Platinum, and RuPay Select.

RuPay Classic Credit Card: This card brings you great deals and exclusive merchant offers. You can avail of multiple shopping benefits provided. Enjoy exclusive merchant offers on dining, education, electronics, health and wellness, entertainment and more.

RuPay Platinum Credit Card: The Platinum variant provides you with attractive benefits as follows:

• Exclusive merchants offer entertainment, dining, food delivery, jewelry, etc.
• Avail 24/7 concierge services, such as travel assistance, hotel reservations, and consultancy services.
• Personal accident insurance and permanent disability cover up till Rs. 2 lakhs.

RuPay Select Credit Card: It provides exclusive lifestyle benefits such as

• Complimentary domestic and international lounge access
• 24/7 concierge services for travel, entertainment, and dining
• Free accident insurance cover worth Rs. 10 lakhs.

Benefits of RuPay Credit Cards

RuPay cards offer multiple benefits to both card issuers and cardholders. They are as follows:

• RuPay Cards Help Save Costs: Using RuPay cards leads to overall cost reduction for each transaction. Since all the transactions are happening domestically, the clearing and settlement costs will be low. Due to affordability, card usage will increase all over the country, and this will benefit cardholders immensely.
• Especially designed for Indian consumers: RuPay credit cards are designed to cater to Indians. They offer a good amount of flexibility since you can customize the products according to the needs of the customer.
• High security: Since all the transactions take place in India, customers don’t have to worry about their data going into the hands of foreign organizations.
• RuPay cards help in expanding the consumer base: Rupay credit cards can be used to introduce the digital way of life to consumers in areas where services are still not available. Rural areas benefit greatly from RuPay products as these products turn out to be very economical for banks that plan to offer them to unexplored customer segments.
• Digital Payments With RuPay Are Quick and Secure: Personal data is very safe and secure when you transact with RuPay credit cards since they have a two-layered authentication process against phishing and data logging. The online interface executes transactions in a fast manner and it is very user-friendly.
• It connects various payment channels together: Rupay credit cards are able to bring together various payment channels and products. Customers can access services like banking transactions, ATM services, requests for credit instruments, e-banking services, etc. using RuPay cards across various banking platforms.

FAQs Of Rupay Credit Card: