According to the latest update, RuPay linked its credit card with UPI to bestow customers with seamless usage on digital platforms. This would, in turn, help merchants grow their business as they can quickly receive their payments from customers via this credit card.
However, the only limitation to it is that the transaction amount cannot exceed 10% of the total value of RuPay credit card. Apart from easy online transactions, there are several fantastic offers on this card you can check out.
Offers on a RuPay Credit Card
The different attractive offers available on different RuPay credit cards are as follows:
| Offers on card | Franchise | Validity period of the offer |
| 15% off on total bill | Wow! Momo | 30th November 2022 |
| Up to 10% off on courses | Vedantu | 31st December 2022 |
| 65% on diamond jewellery purchase | Kalyan Jewellers | 31st December 2022 |
Apart from these offers, there are several other advantages that you can enjoy using a RuPay credit card.
Advantages of RuPay Credit Card
Below are some of the significant benefits of this card:
- Cost-effective Platform
There are no joining charges or annual charges required for this card. Also, the payment processing charges on RuPay platform are comparatively lesser than other platforms. The main reason for this is that they process payments domestically such that you can save more on your purchases.
- Comprehensive Services
You can access a broad spectrum of services via the RuPay platform. These include ATM services, banking transactions, e-banking facilities, and so on. Also, you can purchase products from different stores via this platform. Additionally, you can use this platform for international transactions at ATMs and merchant locations.
- Consumer-centric Products
You can buy a variety of products that are specifically designed for Indian customers. Additionally, you can get attractive offers and discounts on them throughout the year to save immensely on your purchases.
- Safe Payment Options
You can trust this platform with your transactions as it has a two-tier authentication process and is safer to use. In addition, your data stays protected with them so that no third party can access it. This is essential, or else you can become a victim of credit card fraud if your data gets leaked and you end up losing money.
Considering these benefits, you should proceed to apply for one. However, before that, you should check your eligibility to get a RuPay card.
Eligibility for RuPay Credit Cards
The eligibility criteria for a RuPay credit card are as follows:
- You must be a minimum of 18 years of age.
- You must have a credit score of 700 or more.
- It is essential for you to be a citizen of India or an NRI.
- You must have an annual income of Rs. 1.8 Lakhs.
Additionally, you can also check your credit limit eligibility online from the official websites of these financial institutions. You can apply for the limit accordingly to avoid card rejection. Once done, you can proceed with the online application for a RuPay credit card.
Steps to Apply for RuPay Credit Cards
To get a free credit card, apply online by following the steps below:
Step 1: Visit the official website of a financial institution offering a RuPay credit card.
Step 2: Navigate to the RuPay card application page.
Step 3: Click on ‘Apply Now’ button.
Step 4: Fill in the essential details on the card application form.
Step 5: Upload the necessary documents.
Step 6: Submit the application form.
Once done, you will be able to receive the credit card. However, you should keep the essential documents ready to avoid unnecessary interruptions while filling the application form.
Documents Required to Apply for RuPay Credit Cards
You will need the following documents while filling up the credit card application form:
- Identity proof documents such as PAN card, Passport, driving licence, Aadhaar card, Voter’s ID card, ration card, arms licence, and Freedom Fighter’s ID card.
- Income proof documents such as Form 16, last three months’ salary slips, income tax returns, and last six months’ bank statements.
- Address proof documents such as Passport, Voter’s ID card, Aadhaar card, driving licence, ration card, property documents, rent agreement, and utility bills.
Moreover, there are several types of RuPay cards that you can explore to select the most suitable one for your expenses.
Types of RuPay Credit Cards
The different types of RuPay credit cards are as follows:
- RuPay Platinum Credit Card
You can get attractive welcome gifts and cash backs by using this card for payments.
- RuPay Classic Credit Card
This card bestows you with attractive offers on your purchase at online sites and merchant terminals.
- RuPay Select Credit Card
This is a premium card that offers you exclusive benefits on lifestyle and several attractive bonuses.
Now that you can pay using a RuPay credit card on UPI, you can opt for one to ease your online payments. This will allow you to enjoy its benefits to the fullest. Also, by selecting the right type, you can compound its usefulness.
