#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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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.

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AeronPay RuPay Prepaid Card | Tap & Pay | ATM Withdrawals

Managing finances efficiently and securely is crucial in today's fast-paced digital world. The AeronPay Prepaid Card has emerged as a game-changer, offering users a seamless and secure way to manage their money with various benefits catering to modern needs. Whether shopping online, paying bills, or withdrawing cash from an ATM, the AeronPay Prepaid Card brings unparalleled convenience and rewards.

Here’s a detailed look at why the AeronPay Prepaid Card stands out from the crowd and why it’s a must-have for anyone looking for efficient financial management.

1. No Transaction Charges

One of the most appealing features of the AeronPay Prepaid Card is the absence of transaction charges. Whether you’re making payments online, booking tickets, or paying for utilities, you don’t have to worry about hidden fees eating into your budget. This zero-transaction-fee policy ensures that every rupee you spend is utilized effectively, making it a cost-efficient choice for regular use.

2. Earn reward points and cashback.

Who doesn't love being rewarded for spending? With the AeronPay Prepaid Card, users can earn reward points on every transaction. Additionally, frequent users are entitled to cashback on specific transactions, which adds up over time and provides excellent value. Whether it’s your daily shopping, bill payments, or travel bookings, AeronPay ensures that every transaction is rewarding.

3. Convenience in Money Management

The AeronPay Prepaid Card makes it easier than ever to manage your finances. Unlike traditional debit or credit cards, where you might worry about overspending, the prepaid nature of the AeronPay card ensures you’re always in control of your spending. You can load your card with a specific amount, track your expenditures in real-time via the AeronPay website, and ensure you stick to your budget.

Additionally, users can easily monitor their account activity, check balances, and top up their cards with a few clicks. This level of financial control and transparency is perfect for those who want to keep their finances organized and avoid debt.

4. Effortless ATM cash withdrawal

Need cash in hand? The AeronPay Prepaid Card allows you to withdraw money effortlessly from any ATM. Whether you're traveling, shopping at a market that only accepts cash, or simply needing quick access to funds, you can rely on your AeronPay card to facilitate easy withdrawals without hassles.

5. Safe and Secure Transactions

Security is a top priority for AeronPay. The AeronPay Prepaid Card is equipped with advanced security features to ensure that all your transactions are safe and secure. From two-factor authentication to real-time alerts on all card activity, you can rest easy knowing that your money is well protected. 

6. Budgeting for Families and Students

The AeronPay Prepaid Card is an excellent solution for parents who want to help their children manage money responsibly. You can load the card with a fixed amount and give it to your child to use for daily expenses, helping them learn the value of money. Similarly, it’s a fantastic tool for students living away from home who need to manage their monthly budget.

7. No Credit Check

Unlike credit cards, there’s no need for a credit check when applying for an AeronPay Prepaid Card. This makes it accessible to a broader audience, including those who might not qualify for a traditional credit card due to poor credit history or lack of credit. It’s a great way to enjoy the benefits of card-based transactions without the financial scrutiny of a credit card application.

8. Perfect Travel Companion

The AeronPay Prepaid Card is ideal for travelers, offering a safe and convenient way to manage travel expenses. With no transaction charges and easy ATM access. Plus, with the ability to top up your card online, you can ensure you have funds whenever you need them, no matter where you are in India.

Why Choose AeronPay Prepaid Card?

The AeronPay Prepaid Card offers a modern, efficient way to manage money without the complexities of traditional banking. With its user-friendly features, no transaction fees, the ability to earn cashback and rewards, and convenient money management tools, it’s more than just a prepaid card—it’s a comprehensive financial tool designed to simplify your life.

Whether you're a frequent shopper, a traveler, or simply someone looking for a safer and more efficient way to manage your finances, the AeronPay Prepaid Card is the perfect choice. Experience the future of financial management with AeronPay, where convenience meets security and rewards.

Join the AeronPay revolution today and take control of your financial journey with the AeronPay Prepaid Card, where every transaction comes with unmatched benefits!

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GoKiwi.in, a leading player in digital payment solutions, is excited to announce the launch of its innovative Rupay Credit Card on UPI, revolutionizing the way users make payments. This latest offering merges the flexibility of credit card benefits with the ease and accessibility of UPI payments, offering a seamless, secure, and rewarding payment experience.

[irctcofficial]

Extra Rewards now only with IRCTC HDFC Rupay Credit Card.

5X reward point on every Rs.100 spent + Additional 5% cashback if train ticket booking through HDFC SmartBuy

Apply Now - https://ddei5-0-ctp.trendmicro.com:443/wis/clicktime/v1/query?url=https%3a%2f%2ftinyurl.com%2f557tadzf&umid=9548F024-23F3-2F06-8BE1-C6F265819C0F&auth=e9764e46fd2885d5bc260068a9aaa87d4b8251e2-7c6078dfd30a5421339e68473e7f30d29b9213d8 and Get Rs. 500/- GV as Welcome benefit on Card Activation

T&C Apply

[6nikhilum6]

RuPay vs. Visa vs. MasterCard: A Comparative Guide to Key Differences and Benefits

Visa is the largest payment network in the world, followed by Mastercard. Now, let’s take a closer look at these three payment card networks: 1. Visa 2. Mastercard 3. RuPay Visa Card Visa is a prominent brand that appears on many debit cards and is recognized as the largest payment network worldwide, accepted in virtually every country. They provide a variety of cards tailored to different…