RuPay credit cards are currently issued by over 1,100 banks in India including Public Sector Banks, Private Sector Banks, Regional Rural and Co-Operative Banks. These cards offer attractive features and benefits including a nominal joining fee of up to 500 and nil annual fee. You also get Rs. 10 Lakhs for loss of life (by Air) and Rs. 8 Lakhs (other than Air). The card also offers 4 free lounge access per year in 300+ cities across world.


About Rupay

Rupay is India's first Debit and Credit Card payment network. It is accepted across several ATMs, e-commerce websites and POS machines across the country and internationally. The name Rupay is derived from the two words Rupee and Payment which shows that it is India's solution to making Debit and Credit card payments simpler. Equivalent to international payment networks like Visa and MasterCard, Rupay features several benefits for all its users. This payment network was introduced as part of the vision of the Reserve Bank of India to convert India into a cashless economy. They have been quite successful in achieving this vision by encouraging banks and financial institutions to incorporate latest banking technology and offer easy electronic payment options to all their customers.

Collaboration with Indian Banks

Rupay is a payment network that is offered by more than 600 local, regional and international banks in India. It has a network of 10 banks that are its primary promoters. This includes Canara Bank, Punjab National Bank, State Bank of India, Union Bank of India, Bank of Baroda, ICICI Bank, Bank of India, Citibank, HDFC and HSBC Bank. In an attempt to include more banking sectors under its network, Rupay has also increased the shareholding to 56 banks in India.

RuPay- Establishment and Journey

The RuPay Payment Network was created by the National Payments Corporation of India. This is the organization that overlooks all retail payments in India. The RuPay Payment Network was credited under the Payment and Settlement Systems Act of 2007 as an option to help the RBI and the Indian Bank's Association to provide customers with an electronic payment systems that is secure and simple.

The National Payments Corporation is an initiative by the RBI and the Indian Bank's Association that was established as a Not For Profit Company. The idea behind it was to help create banking infrastructure that would enable India to become a truly cashless economy. The NCPI helps create innovative retail payment systems that is available to a larger audience in India.

Features of RuPay Credit Cards

In order to encourage more Indians to accept RuPay as the primary Payment Network of India, several features have been introduced. These features are extended to all credit cards and debit cards that have been issued under this network.

The highlights of RuPay Cards are:

RuPay Cash Back

  • For all utility payments that are made across select merchants identified by the NCPI, customers with a RuPay Platinum or RuPay Select card are eligible for cashback offers.
  • These cashback offers are applicable on payments that are made at POS machines as well as online.
  • Customers can get cashback of up to 5% of the total amount billed, subject to a maximum of 50 per car for every billing cycle.
  • The cashback offer is valid for all mobile, electricity, telephone, gas, water and sanitary bill payments made by the customer.
  • Cashback offers are also applicable on transactions made using RuPay Cards at all restaurants and eating places in India.

Concierge Services

RuPay card holders have access to 24/7 concierge services that helps them save a lot of time and also simplify their lives. To avail the concierge services, customers simply have to dial the toll free number 1800-26-78729. These services are available in both Hindi and English. Concierge services are available only on RuPay Platinum and RuPay select cards.

Cardholders can avail a host of different concierge services including:

Domestic services:

  • Gift delivery for loved ones as well as business associates for special occasions.
  • Flower deliver for loved ones and business associates for special occasions.
  • Restaurant reference and reservations in major cities across India.
  • Information on primary courier services available to the customer.
  • References for limousine and car rental services in major cities in India.
  • Golf bookings in major Indian cities as per the requirement of the card holder.
  • Booking of movie tickets or passes in India for any movie that the customer chooses.
  • References of financial services to assist the customer with IT return filing and assessment.
  • Reference to major investment consultants across India.

International services

  • Information about all visa and other travel requirements to foreign countries. This information is based on the latest specifications of the WHO.
  • Information about the appropriate embassy and consulate including the telephone number and operating hours.
  • Assistance in case of lost baggage or passport when a card holder is travelling overseas. This includes referrals to relevant authorities across the globe.
  • Arrangement of any hospital admission in case the card holder requires medical attention when travelling overseas.
  • Arrangement of any Emergency Medical Evacuation if needed.
  • Arrangement for repatriation and management of mortal remains in case of death in a foreign country.

RuPay Insurance Benefits

  • RuPay card holders are eligible for complimentary personal accident and permanent disability cover.
  • This insurance plan extends to all variants of RuPay Credit cards.
  • The age limit to avail this insurance policy is 18 years to 70 years.
  • The sum insured is 1 Lakh for RuPay Credit Cards, 2 Lakhs for RuPay Platinum and 10 Lakhs for RuPay Select Credit Card.

RuPay Lounge Access

Customers can get access to domestic and international airport lounges to enjoy a comfortable and safe journey. You can get the list of airport lounges that you have access to on the Rupay Website.

RuPay Offers

RuPay has partnered with premium brands across the country to provide great offers and discounts to card holders. The list of current offers is available on the RuPay website. Customers can make use of coupon codes provided on the website to avail discounts and offers with brand partners like Grofers MakeMyTrip and BookMyShow. These offers are available against a host of different products and services including retail, dining, movies, entertainment, shopping and a lot more.

RuPay Card Benefits

There are several benefits of RuPay cards that is slowly making it the most preferred payment network in the country. These benefits include:

  • Save on costs: RuPay is a domestic payment network. Therefore, the transactions take place within India lowering the settling costs for every transaction. This is very beneficial for banks as the transaction costs come down. This benefit is passed on to customers making RuPay a highly popular payment network.
  • Customized for Indians: This payment network is designed for Indians and keeps in mind all the requirements of customers. As a result, it offers maximum flexibility in terms of the offers, products and services that are provided.
  • Assured security: All transactions made using the RuPay credit card are extremely secure. They ensure that the personal information of the customer is retained within the country. With reduced intervention from any foreign organizations, security is higher with these cards.
  • Reaches out to all segments: The ease of use and the unique features offered by RuPay cards helps them reach out to segments of the Indian society where cashless transactions are still a very new concept. It can even be extended to areas where proper banking services are still unavailable.
  • Connect payment channels: RuPay helps connect different payment channels like ATMs, e-banking services, credit instruments and more to make transactions easier. This also helps connect different payment options and products within India.
  • Faster and easier online transactions: You can use RuPay credit cards on all e-commerce platforms without any hassles. These cards are secured by a two-tier authentication process that helps keep customers protected from data logging and phishing. These processes are mandated by the Reserve Bank of India, making them more reliable and trustworthy.

Types of Rupay Credit Cards

RuPay gives you a host of different card options including debit cards, prepaid cards, global cards, contactless cards and credit cards. Currently, there are three types of credit cards that you can avail with the RuPay Payment network. These cards include:

RuPay Select Credit Card

This credit card helps you become part of the elite RuPay Select Network. This is a card that is perfect for those who enjoy a premium lifestyle. The features and benefits of the Rupay Select Credit Card are as follows:

  • Enjoy the exclusive welcome benefits which includes gift vouchers from select brands.
  • Customers get complimentary airport lounge access to more than 500 airport lounges across the world and over 30 lounges in India.
  • Cashback benefits are available on all utility bill payments and transactions made at eateries and restaurants.
  • Enjoy 24/7 concierge services that take care of all your requirements from bookings to consultancy services.
  • Insurance cover of up to 10 lakhs is available to keep you and your family safe.
  • Enjoy great offers and discounts at select merchants for both e-commerce and POS transactions.
  • The Rupay Select Program gives you many more benefits such as free gym acess, spa offers, fee medical check-ups and a lot more.

RuPay Platinum Credit Card

The RuPay Platinum Credit Card is designed to give you maximum cashback benefits for utility bill payments and for dining spends. The features and benefits of this card include:

  • Attractive welcome vouchers from select merchants.
  • 24/7 concierge services to take care of all your travel bookings, hotel bookings and a lot more.
  • Insurance cover of up to 2 Lakhs to keep you and your family protected.
  • Exclusive offers with select brands and merchants to make your shopping experience a lot better.

RuPay Classic Credit Card

The RuPay Classic Credit Card is a great entry level credit card that gives you benefits like:

  • Comprehensive insurance cover of up to 2 Lakhs.
  • Exclusive offers and discounts with select merchants.

How to Apply for Rupay Credit Cards

You can now get your own RuPay Credit Card using the following options:

  • Apply through the RuPay Website
  • Log on to rupay.co.in
  • On the top right corner of the home page, you will be able to see the Apply Now tab.
  • When you click on it, you will be directed to the RuPay Card Application form.
  • Provide your name, email Id and contact number.
  • Then select the type of card that you want to apply for (credit or debit)
  • Choose the preferred issuer bank.
  • Submit the application.
  • You will be contacted by the issuing bank for other formalities such as documentation and verification of customer details.

Through My Money Mantra

  • On My Money Mantra you can choose from a list of Issuing banks that offer RuPay Credit and Debit Cards.
  • Log on to mymoneymantra.com
  • Register with personal details, phone number, email ID, income details and employment details.
  • Choose the issuer bank and the type of credit card that you wish to apply for.
  • You can use tools like the eligibility calculator and the EMI calculator to choose the best type of card for yourself.
  • Submit the online application form.
  • Representatives from My Money Mantra will collect the necessary documents from your door step.
  • They will also follow up on the status of the credit card that you have applied for.

Through the issuing bank

You have the option of applying directly through the issuing bank of your choice. You have both online and offline application options with banks. To apply online, visit the official website of the bank and choose the card that you want to avail. Click on the Apply Now option to initiate the process. Alternatively, you can visit any branch of the bank that you prefer and submit an application form along with necessary documents.

Eligibility for RuPay Credit Cards

The eligibility criteria for RuPay Credit Cards varies from one Issuer Bank to the other. You can check your eligibility by using tools like the eligibility calculator that are available online. The primary factors that determine the eligibility of the customer are the age, income and the credit score.

The higher the income and credit score, the better the repayment capacity of the customer. This improves the eligibility of the customer for the selected RuPay Credit Card variant.

Documents Required for Rupay Credit Cards

The documents that you need to submit for your RuPay Credit Card are as follows:

ID proof

  • Passport
  • PAN Card
  • Voter's ID
  • Driving License
  • NREGA Job Card that is signed by any authority of the state government
  • Letter issued by the UIDAI or the Unique Identification Authority of India which gives details like the adhaar number, address and name of the applicant.
  • Letter from any public authority that is identified and deemed satisfactory by the issuing bank.

Address Proof:

  • Telephone bill
  • Bank account statement
  • Electricity bill
  • Ration card
  • Letter from your employer
  • Rental agreement
  • Letter from any public authority recognized and deemed satisfactory by the issuing bank.

The income proof to be submitted depends on the requirements of the issuing bank. You may also have to submit other documents as per the internal policies of the issuing bank in order to complete the application process.

Payment Options for Rupay Credit Card

To make it easier for you to repay your dues towards your credit card on time, Issuing banks offer several repayment options to customers. The types of payment options vary from one bank to another. The most common ones that are available across different banking sectors are:

  • Cheque collection- Issuing banks have cheque collection boxes at respective ATMs and branches. You can drop a cheque in any of these collection boxes 3-5 days before the due date. The payee details must be provided as required by your issuing bank.
  • Netbanking- Log into the net banking account provided by your issuing bank. Choose the card that you want to make the payment towards and enter the amount. This allows you to transfer funds from your bank account to the credit card account securely.
  • Auto debit- You can also register for the auto-debit facility with your issuing bank. With this facility, the amount to be paid towards your card is debited from your account on a set date each month. You can choose to make the full payment or the minimum payment due.
  • Mobile banking- Banks offer mobile applications that customers can make use of to pay credit card dues. These applications can be downloaded from any app store. Register for the mobile banking services and then make payments from your bank account to your credit card account directly.
  • Over the counter- This is the traditional method where you can make payments towards your credit card by cash at any branch of your issuing bank. This attracts a service charge that you should be aware of before you choose this option to make your payment.

Fees and Charges for Rupay Credit Card

The fees and charges towards your RuPay Credit Card depend on the internal guidelines of the issuing bank. The most common charges that are applicable on credit cards are as follows:

  • Annual fees
  • Renewal fees
  • Late Payment Charges
  • Cash advance charges
  • Finance charges or interest towards revolving credit
  • Foreign currency mark up
  • Cheque collection charges
  • Cheque bounce charges
  • Payment dishonor charges

Make sure that you get a detailed list of charges applicable with your issuing bank to prevent any disputes and issues in the future.

Rupay Customer Service

For any queries regarding your RuPay card, you can fill up a feedback form or complaint form on www.rupay.co.in and submit it along with necessary details. When you send an email, you will be provided with a support ID that you can use for any reference in the future.

Alternatively, you can contact the customer care service provided by your issuing bank for any issues related to your RuPay Card.


1. Where can RuPay Cards be used?


Customers can use RuPay cards on any ATM machine, POS systems and E-commerce websites in India. In case of international transactions, RuPay cards can be used in ATMs, POS machines and Ecommerce websites that have enabled the Discover Financial Service Feature.

2. Can the card be used immediately after I receive it?


No. Most credit cards are sent to customers in a deactivated state. This will be indicated with a sticker that is applied on the card. Customers must activate the card as per the guidelines of the issuing bank in order to start using it for different transactions. The common methods of activating a card are at the ATM of the issuing bank, by conducting any PIN based transactions or by calling customer care.

3. How is the credit limit on my RuPay card determined?


The credit limit provided on your RuPay card is subject to the discretion of the issuing bank. The credit limit is based on the repayment capacity of the customer and is usually determined by the income and the credit score. The higher the credit score and the income, the higher is the credit limit offered to the customer by the issuing bank. Based on the repayments made and the relationship with the issuing bank, the customer can extend the credit limit in the future.

4. What is an EMV Chip Card?


A chip card comes with a microchip which contains all the data pertaining to the account of the card holder. These cards require a PIN number unlike magnetic strip cards that could be authenticated with the signature of the customer. The PIN number is a unique code that provides you with an additional security layer to ensure that the cad is not used for any fraudulent transactions.

5. What should I do in case of fraudulent activity on my RuPay card?


The first step is to call the customer care of your issuing bank and block the card. Then, you can dispute the unauthorized transactions that have been made on your card. Usually, the disputed amount is blocked on the card until it is resolved and the customer is not liable to make any payments until such time. With most banks, customers have zero lost card liability provided that they report the lost or stolen card within the time stipulated by the issuing bank. You can also get insurance coverage for such transactions.