Imagine a payment solution that combines the best of both worlds—instant payments with UPI and the financial flexibility of a credit card. That’s exactly what RuPay Credit Cards bring to the table. Whether you’re shopping at your favorite store or scanning a QR code at a local café, RuPay Credit Cards allow you to enjoy seamless payments while deferring your expenses to the end of your billing cycle.
With features like no extra charges for small transactions, compatibility with merchant QR codes, and exciting reward points on every spend, RuPay Credit Cards make managing your finances effortless and rewarding. Let’s explore how these benefits can enhance your everyday payment experience.
Benefits of RuPay Credit Card
- Seamless UPI Integration
RuPay Credit Cards can be linked to UPI, allowing you to make payments to merchants through UPI QR codes. This offers the convenience of UPI payments with the added flexibility of a credit card.
- Deferred Payments
Unlike traditional UPI transactions that deduct money instantly, payments made using RuPay Credit Cards are billed to your credit card, giving you the advantage of paying later during your billing cycle.
- Reward Points and Offers
Every transaction made using RuPay Credit Cards earns you reward points or cashback, depending on your bank’s rewards program. These benefits add extra value to your everyday spending.
- No Extra Charges for Small Transactions
Payments under ₹2,000 at small offline merchants typically don’t incur additional charges, making it a cost-effective option for day-to-day purchases.
- Wide Merchant Acceptance
RuPay Credit Cards are accepted at all UPI-enabled merchant outlets, offering extensive usability across online and offline platforms.
- Secure Transactions
With features like UPI PIN authentication and robust encryption, RuPay ensures your transactions are safe and secure, protecting you from fraud and unauthorized access.
- AutoPay for Credit Card Bills
RuPay supports UPI AutoPay, allowing you to set up automated payments for your credit card bills, ensuring timely repayments and avoiding late fees.
- Budget Management
All your credit card transactions through UPI can be tracked within your UPI app, helping you monitor your expenses and manage your budget effectively.
- No Linking Fees
Linking a RuPay Credit Card to UPI is completely free, and there are no hidden charges for using it for payments, except in specific merchant categories like fuel.
- Made in India
RuPay is an Indian payment system, designed to meet the needs of Indian customers with competitive benefits and features that align with the country’s digital payment ecosystem.
What is a RuPay Credit Card and How Does It Work?
A RuPay Credit Card works like any regular credit card, enabling you to make purchases and payments. What sets it apart is its ability to link with UPI (Unified Payments Interface), allowing you to pay directly from your credit card to merchants’ UPI QR codes. The spent amount gets added to your credit card bill, which you pay at the end of the billing cycle. It’s designed for merchant payments, perfect for everyday expenses like groceries, dining, or shopping.
However, cash withdrawals and peer-to-peer payments aren’t allowed. Small transactions under ₹2000 often incur no charges at offline merchants, though surcharges may apply to specific categories like fuel. With features like UPI-linked AutoPay for bill payments, RuPay Credit Cards offer a seamless and flexible payment experience.
Disclaimer: The information provided in this article is for informational purposes only and does not constitute professional advice or an endorsement of any particular product or service. While we make every effort to ensure the accuracy of the details shared, the content is based on publicly available information and reliable sources. Readers are encouraged to verify the details independently and consult with a professional advisor before making any decisions. Please exercise caution and stay informed when making any decisions.
