Rupicard Credit Card
Lifetime free
Zero Joining and annual fees.
Rewards
Choose Your Own Credit Limit.
Cashback
2 Rewards points against ₹100
Fuel
1% surcharge waiver on fuel spends.
What is Rupicard?
Rupicard is a secured credit card issued against your Fixed Deposit (FD) through its RBI-approved banking partner, SBM Bank. Your credit limit is backed by your FD amount, ensuring easy approval and zero risk of rejection due to low or no credit score. You continue earning interest on your FD while enjoying the benefits of a fully functional credit card.
| Type of card | Secured Credit Card against FD |
| Joining fee & Annual Fee | Nil |
| Age | 18 years and above |
| Minimum FD | Rs. 5,000 and above |
| Credit limit | 90% of total fixed deposit amount |
| Credit Score | No Credit history rquired |
| Income proof | Not Required |
| Reward points | 2 Rewards points against Rs. 100 |
| 4 Reward points | Rs. 1 |
Features & Benefits of Rupicard Credit Card
Key Features of Rupicard FD Credit Card
✔ Secured Credit Line Against FD
Get a credit limit of up to 90% of your FD amount.
✔ Earn Up to 7% p.a. Interest
Your FD keeps earning interest while you use the credit card.
✔ 100% Guaranteed Approval
No credit score required. No income proof required.
✔ Minimum FD Starting at ₹5,000
Start small and increase your limit anytime.
✔ Instant Credit Limit Increase
Top up your FD to instantly increase your credit limit.
✔ Lifetime Free Credit Card
Zero joining fee and zero annual charges.
✔ 0.5% Cashback on Eligible Spends
Transparent rewards that never expire.
✔ Up to 45 Days Interest-Free Period
Enjoy an interest-free credit cycle when bills are paid on time.
✔ Emergency ATM Withdrawal
Withdraw up to 90% of your credit limit during emergencies.
✔ Smart App Control
Track spending, monitor transactions, set limits, and instantly block or freeze your card if lost.
✔ Secure & Widely Accepted
Use online and offline across India with chip & PIN protection.
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 Reward Points
Rupicard Reward Points Program
Earn 2 Reward Points for every ₹100 spent on eligible categories listed below.
| Spend Category | Reward Rate | Reward Calculation |
|---|---|---|
| Online Shopping | 2 Points per ₹100 | ₹1,000 spend = 20 Points |
| Dining | 2 Points per ₹100 | ₹2,000 spend = 40 Points |
| Lifestyle & Retail | 2 Points per ₹100 | ₹5,000 spend = 100 Points |
| Travel Bookings | 2 Points per ₹100 | ₹10,000 spend = 200 Points |
*Reward points are applicable only on eligible categories as defined in the card terms and conditions.
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.
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
Rupicard Credit Card Customer Care Details
SBM Bank Customer Support & Grievance Redressal
Grievance Redressal Mechanism
If you have any complaints or service-related concerns, you may refer to SBM Bank’s official Grievance Redressal Mechanism for detailed escalation procedures.
Rupicard Credit Card FAQs
Yes, you will earn up to 7% p.a. interest on your FD.
Yes, you can close your FD anytime as there is no lock-in period.
Your FD is fully insured by RBI up to Rs. 5 Lakhs.
An FD credit card is like any other normal credit card that can be availed against a fixed deposit (FD).
Yes, you will have to book a new FD to get a Rupicard. Getting a Rupicard is 100% guaranteed when you book your FD.
The credit limit for your Rupicard credit card will be up to 90% of your FD amount.