Rewards and cashback vary by card type; some RuPay credit cards offer cashback on fuel, groceries, or online shopping, while others offer points redeemable against vouchers or other categories.

To apply, you must be an Indian resident, meet the minimum age and income requirements, and have a good credit history as specified by the issuer. However, eligibility criteria vary from card to card, so you should check the eligibility criteria before applying to avoid rejection.

Yes, RuPay, in collaboration with popular issuers such as AU Small Finance Bank, IndusInd Bank, YES BANK, and more, offers lifetime free RuPay credit cards. However, these offers may change from time to time, so it is advisable to check the official website of the respective card issuer for the latest updates.

Yes, you can convert your RuPay credit card purchases into EMIs. You can contact your card issuer and ask them to convert the required transaction into EMI. Besides this, you can also do the same by logging into your mobile banking or net banking portal of the respective issuer.

If you want a RuPay credit card with a minimal annual fee, you can apply for HDFC Bank UPI RuPay Credit Card. However, if you prefer brand-specific benefits, you can compare & apply for co-branded credit cards, such as Tata Neu HDFC, IndianOil Axis, etc.

Axis My Zone and Axis Neo are some of the best RuPay Credit Cards for movies as they offer benefits with BookMyShow, PVR, Distric App, etc. Apart from these, RuPay Credit Cards that offer higher value-back across all spends can be a good option to save on movies, especially for those who do not want to limit their benefits to select brands/platforms.

The best RuPay Credit Cards for grocery shopping are Tata Neu Infinity HDFC Bank Credit Card, HDFC MoneyBack+, and HDFC UPI RuPay Credit Card. With the Tata Neu Infinity Card, you can get accelerated NeuCoins on BigBasket (as a Partner Tata Brand), whereas HDFC MoneyBack+ offers accelerated earnings on BigBasket and Reliance Smart SuperStore. Meanwhile, HDFC UPI RuPay offers 3% CashPoints on all grocery spends. In addition to the accelerated benefits, you will also earn value-back across other grocery spends when you pay through UPI using any of these RuPay credit cards.

Most RuPay credit cards allow cardholders to avail of complimentary lounge access. However, the number of visits you can avail in a year varies from card to card. If you are looking for a RuPay credit card with lounge access benefits, you can consider cards like Tata Neu HDFC or ICICI HPCL Super Saver.

Both RuPay and Visa networks are acceptable worldwide for online and offline spends. However, as of now, only RuPay credit cards can be linked to UPI apps and used for making UPI transactions. This gives RuPay cardholders an added advantage, enabling them to earn rewards even on smaller, everyday purchases made via UPI.

Most of the popular issuers, such as HDFC, ICICI, SBI, Kotak, Axis, and more, offer RuPay credit cards. You can contact the respective card issuer and apply for a RuPay credit card online or offline.

If you are looking for a fuel credit card that offers enhanced fuel benefits, such as higher rewards or complimentary memberships, you can apply for IndianOil Axis, ICICI HPCL Super Saver, and IndianOil Kotak credit cards.

RuPay credit cards can be used for both card-present transactions involving ATMs and point of sale terminals, and card-not-present transactions such as online shopping websites, IVR, etc. While the domestic RuPay credit cards are accepted at all RuPay-enabled retail terminals, online websites, and at all ATMs, international RuPay credit cards can be used at all RuPay acceptance points in India and all ICS Partner acceptance points, such as ATMs, retail terminals, and online shopping websites.

No, usually you cannot transfer funds from your credit card to your bank account. However, RuPay credit card offers the facility of cash withdrawal, but it comes with high interest charges.

RuPay is an Indian card network designed for domestic transactions with lower fees, while Visa and Mastercard are global networks accepted internationally with broader merchant coverage. Additionally, RuPay cardholders can earn benefits on UPI spends, which Visa cardholders cannot.

You should immediately contact your bank to block the card and request a replacement to prevent unauthorized transactions.

To add a RuPay credit card to Google Pay, go to the ‘Add Credit Card’ section, select your card issuer, and enter all your card details, such as card number, expiry date, and CVV. Lastly, set a UPI PIN to start making UPI transactions.

Yes, using a RuPay credit card responsibly can help you build a strong credit score and maximize your savings. However, different RuPay credit cards cater to different spending categories, so you should analyze your spending pattern and choose the card that best suits your needs.

You can add your RuPay credit card to PhonePe by entering your card details through the “Add Credit Card” section. Then, enter the required card details and set a UPI PIN to enable UPI spends.

Rupay Classic is the base variant that comes with limited benefits, whereas Rupay Platinum is an enhanced variant offering better benefits as compared to the Classic cards.

A RuPay Credit Card on UPI allows you to link your credit card to the UPI platform and make seamless payments directly from apps like BHIM, Google Pay, or PhonePe. It combines the convenience of UPI with the credit facility of your RuPay card.

You can use your RuPay Credit Card on UPI to pay for online shopping, utility bills, subscriptions, groceries, travel bookings, and in-store payments wherever UPI is accepted. Besides UPI, you can make other online as well as offline transactions with RuPay cards.

If you cannot link your RuPay Credit Card, ensure your card is active, eligible for UPI, and that your mobile number is registered with the bank. You contact your card issuer for support if the issue persists.

To pay via UPI using your RuPay Credit Card, select “Credit Card” as the payment option in your UPI app, enter the card details, authenticate the transaction using your UPI PIN, and the payment will be processed instantly.

Generally, UPI payments made using RuPay Credit Cards are free, and issuers typically do not levy any charges. RuPay cards function like other credit card payments.

Yes, with RuPay Credit Cards you can convert your spends into easy monthly EMIs. However, you must check with your card issuer if this feature is available for your card and the other applicable terms.

You can set or reset your UPI PIN via your UPI app by selecting your RuPay Credit Card, choosing the “Set/Reset UPI PIN” option, and following the authentication steps using OTP.

To avoid MDR charges, make payments at merchants offering “No MDR on RuPay” or use UPI apps that waive transaction fees. Always check if your bank or the merchant supports fee-free payments for RuPay.