How to avoid MDR charges on RuPay credit card?

To avoid MDR (Merchant Discount Rate) charges on RuPay credit card UPI transactions, ensure the transaction amount is ₹2,000 or less, as these are typically not subject to any charge as per NPCI guidelines. The MDR fee is generally borne by the merchant for transactions above ₹2,000. Merchants can also avoid MDR if their annual business turnover is under ₹20 lakh for transactions up to ₹2,000.