#RuPay Benefits

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Best RuPay Credit Card in India 2024

So, you’re on the hunt for the best rupee credit card in India for 2024, huh? With a plethora of options available, it can be quite a task to choose the right one. But don’t worry, we’ve got you covered. In this article, we’ll dive deep into the top RuPay credit cards available in India, scrutinising their features, fees, and eligibility criteria. By the end, you’ll have a clear picture of which card suits your needs the best.

Why Choose a RuPay Credit Card?

First off, why would you want a rupee credit card? Well, RuPay cards are Indian domestic cards launched by the National Payments Corporation of India (NPCI). They often come with lower transaction fees and are accepted widely nationwide. Plus, they’re perfect for anyone looking to support the Indian economy while enjoying some fantastic perks.

HDFC Bank UPI RuPay Credit Card

Features

The HDFC Bank UPI RuPay Credit Card is a stellar choice for those who frequently use UPI payments. You can link this card to your UPI ID and enjoy seamless transactions.

UPI Integration: Link your card to your UPI ID for hassle-free payments.

Rewards: Earn reward points on every transaction.

Cashback: Attractive cashback offers on online and offline purchases.

Security: Enhanced security features with tokenisation.

3% CashPoints: Earn up to 500 points per month on PayZapp transactions, groceries, supermarket, and dining spends.

2% CashPoints: Earn up to 500 points per month on utility spends.

1% CashPoints: Earn up to 500 points per month on other purchases, excluding rent, wallet loads, EMI, fuel, and government spends.

Redemption Rate: 1 CashPoint = Re. 0.25 or 0.25 Airmile.

Annual Fee

The annual fee for this card is ₹500, which is quite reasonable considering the features on offer.

Eligibility

To be eligible for this card, you need to be an Indian resident aged between 21 and 60 years. A good credit score and a stable income are also essential.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Myntra Kotak RuPay Credit Card

Features

If you’re a fashion enthusiast, the Myntra Kotak RuPay Credit Card is perfect for you. It offers exclusive benefits on Myntra and other partnered stores.

Myntra Offers: Exclusive discounts and cashback on Myntra.

Reward Points: Earn reward points on all purchases.

No Cost EMI: Convert big purchases into easy EMIs at no extra cost.

5% Cashback: Earn cashback on spends at partner merchants, including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.

Unlimited 1.25% Cashback: Earn cashback on other category spends.

Instant Discount: Receive a 7.5% discount on every transaction at Myntra.

Complimentary Membership: Get Myntra Insider Membership at no additional cost.

Welcome Voucher: Receive a Rs. 500 Myntra voucher upon completing the first transaction worth Rs. 500 or more within 30 days of card issuance.

PVR Tickets: Get 2 complimentary PVR tickets every quarter by spending Rs. 50,000 or more in a quarter.

Lounge Access: Enjoy 1 complimentary domestic lounge access per quarter.

Annual Fee

This card comes with an annual fee of ₹499, which is waived off if you spend over ₹50,000 annually.

Eligibility

Applicants should be between 21 and 65 years old, with a stable income and a decent credit history.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

HDFC MoneyBack+ RuPay Credit Card

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Features

The HDFC MoneyBack+ RuPay Credit Card is designed for those who love to shop and get rewarded for it.

Cashback: Up to 5% cashback on all online spending.

Reward Points: Earn 2X reward points on grocery and utility payments.

Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharges.

Earn 10X CashPoints on purchases from Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, and BigBasket.

Get 5X CashPoints on EMI spend at participating merchant locations.

Accumulate 2 CashPoints for every Rs. 150 spent in other categories.

Receive 500 CashPoints upon payment of the joining and renewal fees.

Enjoy gift vouchers worth Rs. 500 when you reach quarterly spending of Rs. 50,000 or more.

Benefit from up to 20% discount at partner restaurants through Swiggy Dineout.

Annual Fee

The annual fee for this card is ₹500, but it’s waived off if you spend more than ₹1 lakh in a year.

Eligibility

To qualify, you must be between 21 and 60 years old with a stable job and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

Tata Neu HDFC RuPay Credit Cards

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Features

For Tata brand loyalists, the Tata Neu HDFC RuPay Credit Card offers some exciting perks.

Tata Neu Coins: Earn Tata Neu Coins on every spend, redeemable across Tata brands.

Exclusive Offers: Get exclusive offers on Tata products and services.

Travel Benefits: Special travel deals and discounts.

Get up to 5% back as NeuCoins on non-EMI purchases from Tata Neu and partner Tata brands, including Air India and Westside.

Earn up to 1.5% back as NeuCoins on non-Tata brand purchases and any EMI transactions.

Enjoy an additional 5% back as NeuCoins on transactions made through the Tata Neu app or website, after downloading the app and registering for Tata NeuPass.

Access up to 8 domestic lounges per calendar year (2 per quarter).

Receive 4 complimentary international lounge accesses per calendar year (1 per quarter) with a RuPay Card.

Annual Fee

This card has an annual fee of ₹499, which is quite nominal given the benefits.

Eligibility

Applicants need to be Indian residents aged between 21 and 65 years with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IRCTC SBI RuPay Platinum Credit Card

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Features

If you’re a frequent traveller on Indian Railways, the IRCTC SBI RuPay Platinum Credit Card is a fantastic choice.

Railway Ticket Discounts: Get discounts on booking railway tickets.

Reward Points: Earn reward points on all transactions.

Fuel Surcharge Waiver: Enjoy fuel surcharge waivers at petrol pumps.

Earn 350 bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.

Receive 10% value back in reward points when booking AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets via the IRCTC website or mobile app.

Enjoy a 1% transaction fee waiver on railway ticket bookings through IRCTC.

Accumulate 1 reward point for every Rs. 125 spent on non-fuel retail purchases.

Benefit from 4 complimentary railway lounge accesses each year.

Annual Fee

The annual fee is ₹500, but you can get it waived off by spending ₹2 lakh in a year.

Eligibility

To be eligible, you must be between 18 and 65 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

IndianOil Axis RuPay Credit Card

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Features

The IndianOil Axis RuPay Credit Card is tailored for those who spend a lot on fuel.

Fuel Points: Earn fuel points on every fuel purchase at IndianOil outlets.

Cashback: Get cashback on fuel purchases.

Reward Points: Earn reward points on all other spends.

Earn 4% value back on fuel purchases with 20 reward points per Rs. 100 spent at any IOCL outlets.

Get 1% value back with 5 reward points per Rs. 100 spent on online shopping.

Accumulate 1 EDGE reward point for every Rs. 100 spent on other categories.

Receive EDGE reward points worth up to Rs. 250, equivalent to the value of your first fuel spend made within 30 days of card issuance.

Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 4,000 per month.

Save 10% on movie ticket bookings through the BookMyShow app or website.

Annual Fee

The annual fee for this card is ₹500, waived if you spend ₹30,000 annually.

Eligibility

You should be between 21 and 60 years old, with a stable income and a decent credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

ICICI HPCL Super Saver RuPay Credit Card

Features

For those who often find themselves at HPCL petrol stations, the ICICI HPCL Super Saver RuPay Credit Card is a great fit.

Fuel Surcharge Waiver: Enjoy a surcharge waiver on fuel purchases at HPCL outlets.

Reward Points: Earn reward points on all transactions.

Cashback: Get cashback on fuel and non-fuel purchases.

Earn 2,000 reward points when you spend at least Rs. 5,000 within 45 days of card issuance.

Get Rs. 100 cashback on a recharge transaction of Rs. 1,000 or more through the HP Pay app.

Receive 4% cashback, up to Rs. 200 per month, on fuel purchases at HPCL pumps.

Enjoy 5% back in reward points on grocery, departmental store, and utility bill expenses.

Accumulate 2 reward points for every Rs. 100 spent on retail purchases.

Gain an additional 1.5% savings with 6 reward points per Rs. 100 spent on fuel at HPCL outlets when paying via the HP Pay app.

Benefit from 1% cashback on the fuel surcharge for all fuel purchases up to Rs. 4,000.

Avail 25% off when booking at least 2 movie tickets through BookMyShow or INOX.

Receive 1 complimentary domestic airport lounge access per quarter when you spend Rs. 5,000 in the previous calendar quarter.

Annual Fee

This card has an annual fee of ₹500, which is waived if you spend ₹50,000 in a year.

Eligibility

To be eligible, you need to be between 21 and 60 years old with a stable income and a good credit score.

Suggested you can read: RBI Credit Cards Rules | Best Credit Card Advisor in Gurugram

What is a RuPay Credit Card?

RuPay, an Indian domestic card scheme, was launched by the National Payments Corporation of India (NPCI). It’s designed to fulfil the Reserve Bank of India’s vision of a domestic, open, and multilateral system of payments. In simpler terms, it’s a home-grown alternative to Visa and Mastercard, offering similar functionalities but with added perks for Indian users.

Benefits of Using RuPay Credit Cards

So, why choose RuPay over other options? Here are some benefits:

Localised Benefits: Tailored for Indian customers, often with lower transaction fees.

Security: Enhanced security features tailored to Indian regulatory standards.

Acceptance: Widely accepted across India, with an increasing global presence.

Government Incentives: Often linked with government schemes, offering extra perks.

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Unveiling the Unbeatable Au Altura Credit Card Benefits: A Game-Changer in Financial Flexibility!

Dive into the realm of unbeatable financial flexibility with the Au Altura credit cards! Discover how this innovative card is revolutionizing the way you manage your finances, offering a plethora of exclusive benefits tailored to your lifestyle. From generous cashback rewards to enticing travel perks, explore how the au altura credit card benefits is elevating the standard of credit card benefits. Stay ahead of the curve and unlock a world of possibilities with Au Altura!

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Credit Card Kya Hota Hai: Everything You Need to Know

Credit Card Kya Hota Hai Credit cards are becoming a crucial component of our daily financial lives in the digital age. They provide users with a variety of advantages, convenience, and flexibility. However, in order to make wise financial decisions, it is crucial to comprehend what a credit card is and how it functions. The idea of credit cards, as well as their characteristics, advantages, and…

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Jupiter Edge RuPay Credit Card

The Jupiter Edge RuPay Credit Card is designed for individuals who are looking to make their spending more rewarding. Powered by RuPay, a widely accepted payment network in India, this credit card offers users an array of benefits ranging from cashback on everyday purchases to exclusive lifestyle rewards. What sets the Jupiter Edge RuPay Credit Card apart is its collaboration with the Jupiter App, which ensures that users can manage their finances with ease, track expenses, and access exclusive offers.

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RuPay Credit Cards vs. Visa and MasterCard – Understanding the Differences

With regards to credit cards, RuPay, Visa, and MasterCard are three major players in the market. While they serve the same basic function, there are distinct differences between them. Below we have broken them down to help you understand the key distinctions.

1. Origin and Ownership

RuPay: Introduced by the National Payments Corporation of India (NPCI) in 2012, RuPay is India’s own domestic payment network. It was developed to promote financial inclusion and reduce dependence on international card networks.

Visa and MasterCard: Both Visa and MasterCard are global payment networks originating from the United States. Visa was founded in 1958, and MasterCard followed in 1966. These networks are widely accepted across the globe and play a major role in facilitating international transactions.

2. Reach and Acceptance

RuPay: RuPay cards are primarily accepted within India, though NPCI has been expanding its international presence. These cards are commonly issued by public sector banks and are widely used for domestic transactions.

Visa and MasterCard: Visa and MasterCard have a vast international network, with acceptance in over 200 countries. They are ideal for frequent travelers or those who make international purchases, as they are accepted almost universally.

3. Transaction Costs and Fees

RuPay: One of the significant advantages of RuPay is its lower transaction cost. Since it is a domestic network, the processing fees are minimal compared to international networks. This makes RuPay cards more affordable.

Visa and MasterCard: As they are international networks, Visa and MasterCard generally incur higher transaction fees. This is particularly the case for cross-border transactions. These fees are often passed on to the cardholder in the form of foreign transaction charges.

4. Security Features

RuPay: RuPay cards offer secure transactions with features like Personal Identification Number (PIN) authentication for every transaction. The card details remain within India, meaning that the data is shared between national gateways only. This, an extra layer of security is added for domestic users.

Visa and MasterCard: Both of these provide advanced security features, including multi-factor authentication and fraud detection systems. They offer Zero Liability Protection and safeguard cardholders against unauthorized transactions globally.

5. Benefits and Rewards

RuPay: These offer benefits like cashback, discounts on utility payments, and other rewards.

Visa and MasterCard: Both of them come with a wide range of benefits. Examples include global rewards programs, travel insurance, and access to exclusive international offers. The reward structure here is more extensive and diverse compared to RuPay.

Which One’s Right for You?

RuPay is an excellent choice for those who primarily conduct their transactions within India. Additionally, they offer lower costs and enhanced security. On the flip side, Visa and MasterCard are ideal for international travelers and those after a broader range of benefits and global acceptance.

Your choice between these cards should align with your spending habits, travel needs, and financial priorities.

[an-finance]

Rupay Credit Card - Apply for FIRST Digital UPI Credit Card

Apply for Rupay Credit Cards powered with UPI at IDFC FIRST Bank. Existing IDFC FIRST Credit Card holders get this card for just ₹199. Pay conveniently and enjoy a wide range of benefits.

[gokiwinow]

Best UPI App to link your RuPay Credit Card  In India: Go Kiwi

The landscape of digital payments in India is undergoing a monumental transformation, with RuPay credit cards spearheading this financial revolution. In the domain of RuPay credit cards enabled for UPI transactions, one name stands out prominently—Kiwi. Now take in deep about the world of RuPay credit cards, UPI payments, and why Kiwi is the best choice for the modern Indian consumer. 

If you find yourself willing to shift to a digital financial ecosystem, this will assist you in making a safer, smarter decision.

RuPay Credit Cards: Pioneering Digital Payments in India

RuPay credit cards have become synonymous with secure, efficient digital transactions in India. As the country embraces a cashless economy, these cards have gained immense popularity due to their integration with the Unified Payments Interface (UPI). 

This powerful combination of traditional credit cards with the convenience of UPI has paved the way for a new era in financial transactions.

Some key facts about RuPay credit cards

Launched in 2012 by the National Payments Corporation of India (NPCI),

Operates on a domestic network, providing an alternative to Visa and Mastercard.

Over 500 million RuPay cards were issued as of March 2019.

Processes around 1.5 billion transactions every month.

Enables transactions via cards, UPI apps, and mobile wallets.

Integrated across all major banks, financial institutions, and digital payment platforms in India

With RuPay cards, India has built its domestic card payment network, ensuring the transactions stay within the country. This has helped RuPay emerge as a truly Indian payment solution.

Kiwi: Trailblazing the Future of Digital Payments

In the dynamic landscape of digital payments in India, Kiwi stands out as a pioneer, offering a Virtual RuPay Credit Card designed to cater to the evolving needs of Indian consumers. 

This innovative fintech solution not only provides instant access to a digital credit card but also ensures seamless integration with UPI, enabling users to make quick payments across merchants and services.

Key highlights of Kiwi

India’s first credit card on UPI

Instant issuance of a virtual RuPay credit card

Seamless payments across merchants via UPI

Exclusive rewards program with cashback on transactions

Zero annual and joining fees

In-app card management features

With its focus on convenience, transparency, and security, Kiwi aims to transform the credit card experience for Indian users.

Exclusive Benefits of Kiwi RuPay Credit Cards,

One compelling reason to choose Kiwi is the array of exclusive benefits it offers to existing RuPay cardholders. On joining Kiwi, users get a guaranteed 100 INR signup bonus along with 0.25% cashback on every transaction. 

Linking your RuPay card to the Kiwi app unlocks a suite of rewards, making each payment not just seamless but also gratifying.

Some of the notable benefits include

Sign-up bonus

Upto 1% cashback on payments via scan and pay

Exclusive offers from top brands and merchants

Personalized deals and cashback based on spending patterns

By incentivizing transactions, Kiwi succeeds in transforming the concept of credit card rewards in India.

Seamless UPI Payments with Kiwi

One of Kiwi’s marquee features is its commitment to facilitating seamless UPI payments. The Virtual RuPay Credit Card allows users to effortlessly pay bills and make UPI transactions directly from the Kiwi app. 

This level of convenience, paired with the speed and efficiency of UPI, gives Kiwi an edge in the competitive digital payments space.

Some key UPI features offered by Kiwi

Pay bills directly via the Kiwi app.

Scan any UPI QR and make payments through the credit card.

Send or request money from contacts

Track all UPI transactions in one place.

Quickly check your account balance before making payments.

Receive instant transaction alerts and notifications.

Built-in security features like MPIN

By integrating UPI, Kiwi has elevated the credit card experience to keep pace with India’s booming digital payment ecosystem.

Read More - Gokiwi

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How To Add Credit Card To UPI App: Make Payment More Convenient Using Credit Card

Table of Content

Google Pay: The Secure, User-Friendly Option

Step-by-Step Guide to Adding a Credit Card to Google Pay

Key Facts About Google Pay

PhonePe:

Step-by-Step Guide to Adding a Credit Card on PhonePe

Key Facts About PhonePe

PayTM

How to Link a Credit Card to PayTM

Key Facts About PayTM

Kiwi

Amazon Pay:

How to Link a Credit Card to Amazon Pay

Key Benefits of Linking a Card to Amazon Pay

BHIM:

How to Link a Credit Card to the BHIM App

Key Features of BHIM

Common Tips for All Apps

Summary

In recent years, the Unified Payments Interface (UPI) has revolutionized digital payments in India. With over 340 million registered users and 5 billion monthly transactions, UPI apps have become the preferred choice for instant, contactless payments. RuPay cards are used on UPI apps as it’s India’s own multinational financial services and payment service system.

Linking your Credit Card to leading UPI apps unlocks new possibilities and flexibility in managing finances. This comprehensive guide explores step-by-step processes to add your credit card to popular apps including Google Pay, PhonePe, Paytm, Amazon Pay, and BHIM. Follow along to link your credit card with UPI and enjoy the rewards, cashback, and conveniences these platforms offer.

[digiarch]

SBI Reliance Rupay Credit Card

The SBI Reliance RuPay Credit Card is a collaborative offering by two major entities in India—State Bank of India (SBI) and Reliance Industries Limited. This credit card aims to cater to the growing demands of Indian consumers by integrating affordability, convenience, and tailored benefits. Designed for both urban and semi-urban customers, the card leverages the RuPay payment network, which has gained popularity for its wide acceptance and customer-centric features.

[gokiwinow]

Top 10 benefits of RuPay Credit Cards: Why it should be your First Choice?

1. Wide Acceptance Across India

One of the best things about RuPay credit cards is that they’re accepted everywhere in India. You can count on your RuPay credit card to be accepted anywhere, whether shopping online, picking up groceries, or dining out. In fact, they are accepted at more than 60 million retail locations nationwide. This implies that you do not have to worry whether you are in a small town or a busy city.

2. Cost-Effective

Many credit cards often come with hidden fees that can surprise you. With RuPay credit cards, the fees are generally lower than international cards like Visa or Mastercard. This includes transaction fees, processing charges, and annual fees. If you’re looking for a card that doesn’t drain your pocket with unnecessary fees, RuPay credit can be a solid choice for you.

3. Promotes Financial Inclusion

RuPay credit cards are not only for wealthy individuals. One of the main goals behind their creation was to ensure that people from all walks of life, whether they’re from big cities or rural areas, have access to banking services. The affordability and availability of RuPay credit cards make them a tool for financial inclusion. They allow people to participate in digital payments who might otherwise be excluded from formal banking systems. This increases the number of people in the financial system and empowers them to manage their finances better.

4. Seamless UPI Integration

Read More - https://gokiwi.in/blog/top-10-benefits-of-rupay-credit-cards-why-it-should-be-your-first-choice/