Rupay Credit Card

Introduced by the National Payments Corporation of India (NPCI), the RuPay Credit Card was designed to promote domestic payment systems. Users can pay bills, withdraw cash, shop, etc.

Below you will find all the information regarding the features, benefits, different types of RuPay Credit cards, steps to apply, eligibility, and so on!

List of All RuPay Credit Cards By Banks

Here is the list of all the RuPay Credit Cards by Bank and the number of RuPay Cards offered by each:

You can apply for Rupay Credit Cards with Buddy Cards! Pick from the range of credit cards customized for your needs!

Axis Bank RuPay Credit Card

Axis Bank offers various RuPay credit cards that meet specific needs and categories. These are Fibe, Indian Oil, Neo, and My Zone. Here is what you need to know about each of them:

Now, let’s look at the Joining Fees and Annual Fees for each of these cards:

BOB Bank RuPay Credit Card

The BOB (Bank of Baroda) RuPay Credit Card is a credit card offered by the Bank of Baroda in collaboration with the RuPay Credit Card. There are 3 types of BOB Bank RuPay Credit Cards:

Below are the Joining Fees and Annual Fees for each of these cards:

HDFC Bank Rupay Credit Card

The HDFC Bank Rupay Credit Card is designed to meet a wide range of needs and preferences. It comes with redeemable reward points, deals on shopping, travel, and more!

There are different types of HDFC Bank Rupay Credit Cards along with purpose and key benefits:

ICICI Bank RuPay Credit Card

The ICICI Bank RuPay Credit Card allows cardholders to access rewards on UPI transactions and bill payments. There are 3 types of ICICI Bank RuPay Credit Cards and the table below gives you a brief overview of what you can expect:

IDFC FIRST Bank RuPay Credit Card

The IDFC FIRST Bank RuPay Credit Card supports seamless UPI transactions with benefits such as cashback, savings on utility, grocery, etc. Here are the 5 types of IDFC FIRST Bank RuPay Credit Cards and what you can expect:

Induslnd Bank RuPay Credit Card

The IndusInd Bank RuPay Credit Cards come with UPI linking facility which allows customers to access rewards, offers, and so on. It offers 2 types of cards which are as follows:

PNB Bank RuPay Credit Card

The Punjab National Bank (PNB) RuPay Credit Card provides a range of credit cards tailored to meet various customer needs. These are:

SBI Bank RuPay Credit Card

The SBI (State Bank of India) RuPay Credit Cards cover various needs of the customers in everyday purchases for a quality banking customer experience, overall. Below are the RuPay Credit Cards offered by the SBI Bank:

Union Bank RuPay Credit Card

The Union Bank RuPay Credit Card offers credit cards that help meet shopping, travel, and fuel expenses via rewards and cashback.

Kotak Mahindra Bank RuPay Credit Card

The Kotak Mahindra Bank offers RuPay Credit Cards with various benefits, which are:

Best Lifetime Free RuPay Credit Cards

(Mention Table for Rupay Credit Cards)

Benefits of UPI RuPay Credit Cards

The RuPay UPI Credit Cards combine the features of the RuPay Credit Card and UPI services. This also makes it unique among credit cards and here are the benefits that come with it:

1. Seamless Integration: RuPay Credit Cards can be easily linked to UPI which makes transactions much easier. The QR scan feature of UPI promotes cashless payments and the hassles of card swipes.
2. Reward Points: Users can earn reward points on transactions as well as cashback and discounts for a better purchase experience.
3. Better Convenience: Combines the flexibility of credit card payments with UPI’s instant and easy payment features.
4. No Additional Charges: Compared to regular card transactions, customers need not pay any fees for using UPI RuPay Credit Cards.
5. Secure Transactions: UPI transactions come with a 4-digit PIN and 2-factor authentication which add extra security for payments.

RuPay Credit Card Eligibility Criteria

The eligibility criteria for RuPay Credit Cards differ based on the bank and the card type. However, here are some of the general requirements to be met:

1. The applicant must be an Indian citizen.
2. The applicant must be salaried and meet the bank’s minimum income requirement.
3. The minimum age of the applicant is 18 years old. The maximum age limit varies based on the card type.
4. The applicant should have a minimal annual income and minimum credit score.

Documents Required for RuPay Credit Card

Below are the general documents required to apply for the RuPay Credit Card:

1. Identity Proof
2. Passport Size Color Photograph
3. Income Proof
4. Address Proof

Note that the detailed documents will depend on the bank’s requirements.

Apply for a RuPay Credit Card

The application process for each RuPay Credit Card may vary from one bank to another. Here are the general guidelines to follow:

1. Visit the Credit Card page for the respective bank & register with your phone number.
2. Fill out the online Credit Card Application Form (with personal, income, delivery address & other details)
3. Have the required documents ready (Authenticate with Aadhaar e-KYC for a quick online document verification)
4. Once approved by the Bank, Complete the Video KYC (for online experience)
5. Get your card delivered to your address (as per the bank).

For online application, visit the bank’s official website and fill out the details as required.

For offline application, visit the nearest branch of the bank issuing the RuPay credit card. The bank will verify the details provided, including income and credit history.

RuPay vs Visa vs Mastercard

Below is a table to show the comparison between RuPay, Visa, and Mastercard.