Advantages and Disadvantages of RuPay Credit Card

You must have seen the UPI RuPay Credit card ads lately. This credit card service lets you link to any UPI account and enjoy exclusive benefits throughout the year. RuPay Credit Card is the first of its kind global card payment network ever made in India and is gradually gaining attention. You can avail of almost everything with RuPay Credit Card on UPI as with other cards like Visa, Mastercard, and Amex. However, some terms and conditions are also associated with RuPay Contactless cards. Let’s explore the advantages and disadvantages of the RuPay Credit Card.

About RuPay Global Credit Card

RuPay's international card offers its customers a safe and user-friendly experience backed by world-class technology that is both scalable and cost-effective. This collaboration has enabled the company to mark its entry into India's premium card sector with great success, allowing users to enjoy global acceptance while taking advantage of numerous benefits associated with Discover.

International cardholders can conveniently access an extensive range of ATMs operating within the NFS network and PoS terminals throughout India.

Introducing the RuPay JCB Global Card can be used as a RuPay card accepting points at home and outside India for all your Point-Of-Sale (POS), E-Commerce, and ATM transactions. Enjoy seamless spending both domestically and internationally with this one innovative product.

According to RuPay, their Global Credit card are usable at more than 42 million POS locations and 1.9 million ATMs across 200+ countries around the world.

Banks Who have launched RuPay Credit Cards

Around 17 Banks have launched RuPay Credit Cards to date. These include:

  • Axis Bank
  • Bank of Baroda
  • Bank of India
  • Canara Bank
  • Central Bank of India
  • Federal Bank
  • HDFC Bank
  • IDBI Bank
  • Kotak Mahindra Bank
  • Punjab and Maharashtra Co-operative Bank
  • Punjab National Bank
  • Saraswat Bank
  • SBI Card
  • Union Bank of India
  • United Bank of India
  • Vijaya Bank
  • Yes Bank

What are the Advantages of the RuPay Credit Card?

Major banks like HDFC, BOB, PNB, and Axis Bank have already rolled out their UPI Credit Cards that support RuPay on the Go feature. Apart from this RuPay Advantage, you entertain several benefits while using it virtually. Here is a list of major advantages of the RuPay Credit card.

1. Security

When you apply for RuPay 2.0 virtual credit card, you will have to pay a joining fee of INR 500. No matter whatever bank you choose. The best part of RuPay Credit being virtual is you don’t have to worry about your card being stolen. The 2FA authentication with OTP and PIN adds extra security to its use. The best part of the approval process is that it just takes a few minutes and you are all set with RuPay On-The-Go.

2. Benefits

You will access several benefits like discounts, cashback, rewards, etc., with RuPay Card. Loyalty programs for online shopping, movie tickets, and other entertainment services benefit users who prefer using their RuPay Credit Card frequently. As per RuPay, your users can also get 20X benefits on railway reservations via the IRCTC website.

3. Acceptance

RuPay Credit Cards are accepted in all major outlets like stores, restaurants, bars, hotels, etc. On the plus side, you can easily use it for online payments without any hassles, as the acceptance of RuPay credit cards is increasing daily across India. You can use it with PhonePe, Paytm, or any UPI-enabled payment service like Amazon or Google Pay.

4. Less Annual Maintenance Charges

You will have to pay a sum of Rs. 350/- only to renew your RuPay Credit Card. This annual maintenance fee is much lower than other cards charging thousands of rupees for the same service.

5. Convenience to Customers and Merchants

RuPay Credit Cards come with RuPay contactless feature that allows customers to pay for their goods and services without swiping their card. Virtual credit card is also convenient for merchants, as they can accept payments quickly and securely through UPI. You just need to scan their QR codes to get done with the payments.

What are the disadvantages of the RuPay Credit Card?

There are some drawbacks associated with RuPay Credit Card as well. Here are some major disadvantages:

1. Limited Acceptance

Unlike many other credit cards, RuPay Credit Card has limited acceptance outside India. Especially in countries like the USA, UK, Australia, UAE, and more, it may not be accepted everywhere. As a matter of fact, some banks in India are reluctant to roll out RuPay Credit cards, fearing they would have to pay out of their pockets.

2. Limited Reward Points compared to Other Cards

The rewards point you earn with your RuPay Credit Card are not as high as those offered by international players like Visa or Mastercard. Moreover, you can only redeem these points from select partners like IRCTC, Paytm, Flipkart etc., which limits your redemption options. As of now, you can earn a maximum of 500 Reward points in a month.

3. Limited Transactions

RuPay Credit Cards are currently accepted only in selected outlets and online stores in India. The acceptance of this card is still quite low compared to other international credit cards like Visa or Mastercard. This makes it difficult for users to use their RuPay Credit Card when traveling abroad, as most merchants don’t accept it. The services you vail using the RuPay Credit card come under selected Complimentary Domestic and international Lounge Programs.

4. Low Credit Limit

The credit limit of a RuPay Card is usually lower than other cards like Visa or Mastercard, which limits its usage for large purchases. The credit limit also varies from one bank to another, making it difficult for customers to find the best card with the highest credit limit.

5. Less International Travel Benefits

RuPay Global Credit Cards still do not offer travel benefits and privileges that other international players offer, such as lounge access, discounts on international air tickets, and more. This makes it less attractive for frequent travelers who prefer using international credit cards for their trips abroad.

Basic Features of RuPay Credit Card

  • The joining Fee for RuPay Credit Card is ₹500/-
  • Annual maintenance charges are ₹350/-
  • You can get up to 20X reward points on 1AC, 2AC, 3AC, CC or EC class booking for ticket purchases at
  • You can get 4 reward points on every ₹100 spent on groceries and departmental stores.
  • Users can get 1000 activation bonus Reward Points on a single transaction of ₹1000 or more within 45 days of card issuance ( Worth ₹250)
  • Complimentary Domestic and international Lounge Programs for selected airlines.


Making its strong presence in the global economy, the RuPay Credit card will surely be a big game-changer giving a hard time to international players. Its various advantages and competitive rates make it an ideal choice for young earners who wish to maximize their reward points. It is also a great option for merchants who want secure and hassle-free payments locally. So if you plan to get a new credit card, consider the RuPay Credit Card. It might just turn out to be your perfect partner. Currently, it's best to use the card for domestic use.

Advantages and Disadvantages of RuPay Credit Card

Frequently Asked Questions

What is the joining fee for RuPay Credit Card?

The joining fee for RuPay Credit Card is ₹500/-.

Can I use my RuPay Credit Card internationally?

Though, according to RuPay, you can use their credit card abroad, there are still some places you won’t be able to use it. Furthermore, RuPay Credit Cards are accepted only in selected outlets and online stores in India. So it may not be accepted everywhere abroad.

What are the limitations of the RuPay Credit Card?

The limitations of the RuPay Credit Card include limited reward points, low credit limit, limited acceptance, and fewer international travel benefits.

Is RuPay Credit Card more beneficial than other international cards?

Yes, it can be more beneficial if you plan to make frequent transactions in India, as the card has many advantages, such as higher reward points and complimentary domestic and international lounge programs. However, for making international transactions, it is advisable to opt for other international credit cards like Visa or Mastercard.

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