What is Rupicard?

Rupicard is the dedicated, feature-rich and secure mobile app that puts you in complete control of your Rupicard FD credit card. You get full access to your credit card and FD. It also enables you to track your spending. This powerful app is designed to make your life easier.

Features & Benefits of Rupicard Credit Card

Rupicard benefits and features are explained below:

  • Earn up to 7% p.a Interest on FD
  • Unlock 90% credit limit of your FD amount
  • It is a lifetime-free credit card that comes with zero joining as well as annual fees.
  • Get 0.5% cashback on eligible spends. The rewards are transparent rewards and never expire. 
  • No credit score check required
  • No income proof required
  • Boost your credit score by paying your credit card bills on time.
  • You can start with a minimum FD of Rs. 5,000 and top-up it to increase your credit limit.
  • You can pay your bills at the end of your 45-day interest-free credit period.
  • You can withdraw up to 90% of your credit limit from any nearby ATM during an emergency.
  • With the app, you can track how much you can spend with your Rupicard FD credit card, access your transaction history anytime, set a spending limit, and block/ freeze your card instantly if it is lost/ stolen.
  • You can use your Rupicard FD credit card for online as well as offline purchases.
  • It is a 100% guaranteed credit card. 
  • Get discounts on dining, lifestyle, shopping and more

Fees & Charges of Rupicard Credit Card

The fees and charges associated with a Rupicard Credit Card are mentioned below:

  • Joining fee: Nil
  • Annual fee: Nil
  • Cash advance fees/ ATM withdrawal fee: 2.5% or Rs. 300 (whichever is higher)
  • Interest rate: Rupicard interest rates of 2.5% per month (30% per year)
  • Forex markup: 2.49%
  • Card replacement cost: Rs. 500
  • Card cancellation charges: Rs. 500 within 6 months of cancellation
  • Late payment fee: Rs. 299
  • Rewards redemption fee: Nil
  • Overlimit fee: Nil
  • Repayment charges: Nil

Rupicard Credit Card Eligibility

The following are the Rupicard credit card eligibility criteria:

  • You must be above 18 years up to 61 years of age to apply for a Rupicard.
  • You need to book an FD once, and your credit limit renews every month.
  • Minimum Fixed Deposit amount should be Rs. 5,000.
  • You must be a citizen of India
  • Rupicard is currently not available/serviceable in Assam, Ladakh, Jammu & Kashmir, Tripura, Manipur, Mizoram, Nagaland, Meghalaya, Arunachal Pradesh, Sikkim, and Andaman & Nicobar Islands.

Rupicard Credit Card Documents Required

Rupicard does not require you to submit any documents which makes the entire application process simple and straight forward. You just need to keep your original PAN Card with you to complete the Video KYC process.

How to Apply for a Rupicard Credit Card?

If you want a Rupicard credit card apply online by following the steps mentioned below:

  • Download the Rupicard app.
  • Go to the ‘Rupicard’ page and click the ‘Apply Now’ button.
  • Enter your 10-digit mobile number.
  • Enter the received OTP.
  • Enter your PAN card number and other details. 
  • Explore the credit card options available.
  • Proceed with your application.
  • Once applied, you can check your Rupicard application status on the app.

Rupicard Credit Card Contact Details

  • Contact number: 080-69819393
  • Email: support@rupicard.com
  • Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka - 560103

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Rupicard Credit Card FAQs

Will I earn interest on my fixed deposit?


Yes, you will earn up to 7% p.a. interest on your FD.

Can I pre-close my FD?


Yes, you can close your FD anytime as there is no lock-in period.

Will my FD be safe?


Your FD is fully insured by RBI up to Rs. 5 Lakhs.

What is an FD Credit Card?


An FD credit card is like any other normal credit card that can be availed against a fixed deposit (FD).

Do I have to book a new FD to get Rupicard?


Yes, you will have to book a new FD to get a Rupicard. Getting a Rupicard is 100% guaranteed when you book your FD.

How much credit limit can I get on booking FD?


The credit limit for your Rupicard credit card will be up to 90% of your FD amount.