The RuPay credit cards are major players in the digital payment space. It addresses the different needs of Indian users and offers them a reliable and secure method to manage their financial transactions effectively. This bunch of credit cards comes with a varied joining fee and annual charge depending on the amount of benefits you will receive from each of them. So, explore the different benefits of RuPay credit cards before you apply for a credit card online.
Benefits and Features of the RuPay Credit Cards
Discover some of the best benefits and features of these credit cards.
Cost-Effective
Many RuPay credit cards come with lower processing fees, transaction fees, and annual fixed charges. This makes the cards super affordable and cost-effective in the long run. For instance, some cards have zero joining or annual fees, whereas some have a fee but also provide an introductory offer or 100% cashback.
Easy Integration with UPI Apps
Some credit cards can be integrated seamlessly with several UPI apps, and they can be utilised for daily transactions by simply scanning the QR code.
Lounge Access and Fuel Waivers
Several RuPay credit cards provide lounge access, which allows people to get domestic lounge access for two quarters a year and international access twice a year. There are also fuel waivers, where there is a certain percentage of a discount every time the cardholder spends time at a gas station.
Exclusive Merchant Offers and Subscriptions
RuPay cards offer exclusive offers for both online and in-store merchants throughout the year. So you can benefit from every shopping trip with discounts and other offers. Not only that, but RuPay credit cards also provide OTT subscriptions for a varied range of content, including ad-free music, blockbuster movies, originals, and unlimited video streaming.
Reward Points
Every RuPay credit card comes with reward points. Some cards provide a welcome reward point package while also allotting some points with every expense. You can collect these points and use them later for different rewards, including travel vouchers, merchandise, and gift cards.
Enhanced Security
RuPay credit cards prioritise the privacy and safety of your financial information with a complete virtual existence and advanced security. Such infrastructure provides peace of mind, knowing that your transactions and related details are protected against fraudulent activities.
Convenient Bill Payments
It’s incredibly easy to use a RuPay credit card to pay off your bills and even automate your payments for subscriptions, utilities and other recurring expenditures. Such convenience streamlines the payment process and saves both your effort and time while ensuring timely payments.
Global Recognition
RuPay credit cards significantly cater to domestic transactions but offer international acceptance as well. This occurs through partnerships with global payment networks that expand the usability of these cards. Such a move makes them a versatile solution for both international and domestic transactions.
Financial Inclusion
RuPay cards play a vital role in promoting financial independence, including delivering access to formal banking services for people across different socio-economic backgrounds. Such affordability and availability of RuPay credit cards lead to empowered individuals who have greater opportunities and financial independence.
Summing Up
The RuPay credit cards are all very beneficial, and they are formed according to your needs. For instance, if you are someone who spends a lot on fuel, then you can use a fuel card. But if you are looking for travel benefits, then you can go with a card that is known for providing heaps of travel features. Similarly, different cards specialise in rewards, shopping, and other aspects. So, there is always something for everybody with RuPay cards. At the same time, you also need to know how to apply for a credit card online since that is how you can benefit from the range of cards.
FAQs
-
Are the RuPay credit cards free of cost?
Some RuPay cards are free of cost, but not all of them come with zero fees. Some charge an annual and renewal fee along with a joining fee. So you must check for them before you apply for a credit card.
2. Can a RuPay credit card be used for international expenditures?
There are RuPay Global cards that can be used at ATM and merchant locations worldwide. However, a domestic credit card is only to be used within the country.
3. Are there different variants available for getting RuPay credit cards?
Yes, the RuPay credit cards are available in classic and platinum variants. So, when you are perusing its information, you must check which variant your preferred card falls under.
4. How do RuPay cards expand their reach?
The RuPay credit cards expand their reach by collaborating with different banks, including public, private, cooperative, and rural banks. This ensures wide accessibility across the country, even with the smaller banks.
ThePrint BrandStand content is a paid-for, sponsored article. Journalists of ThePrint are not involved in reporting or writing it.