Busting RuPay Credit Card Myths

RuPay Credit Cards have become popular primarily because of their intergraton with the UPI platforms. Now, consumers can make UPI spends via RuPay Cards and avail benefits on their day to day spends. However, thetre are several misconceptions still prevent consumers from exploring their full potential. From limited rewards to restricted acceptance, many of these myths no longer hold true.

In this guide, we break down some of the most common myths about RuPay Credit Cards and reveal the reality behind them, helping you make an informed decision.

Myth 1: RuPay Credit Cards Offer Value-back Only on UPI Spends

Reality:

RuPay Credit Cards are not limited to UPI-based rewards. While UPI spends do earn value-back, these cards also offer rewards and cashback across multiple spending categories such as online shopping, offline retail spends, dining, travel, and utility payments.

Myth 2: RuPay Credit Cards Are Accepted Only in India

Reality:

RuPay Credit Cards come with global acceptance for both online and offline transactions. Many RuPay cards are enabled for international usage, allowing you to make purchases abroad or on international websites. Additionally, RuPay also supports international UPI transactions through select UPI-enabled platforms.

Myth 3: RuPay Credit Cards Offer Limited Benefits

Reality:

RuPay Credit Cards cater to a wide range of spending patterns from small, everyday transactions to high-value purchases. Several cards offer premium travel, dining, and lifestyle benefits along with competitive reward rates. Choosing the right RuPay card as per your lifestyle can help you maximize savings across multiple categories.

Myth 4: RuPay Credit Cards Are Meant Only for New-to-Credit Users

Reality:

While many RuPay Credit Cards come with relaxed eligibility criteria which makes them suitable for first-time credit users, RuPay also offers cards for moderate and premium segments. Such cards offer enhanced rewards, premium lifestyle privileges, and come with higher spending limits.

Myth 5: RuPay Credit Cards Are Less Secure

Reality:

RuPay Credit Cards are equipped with advanced security features to ensure safe transactions. These include EMV chip technology, two-factor authentication, and contactless payment options. Moreover, when you make UPI payments using a RuPay Credit Card, the transaction is processed through your credit card, keeping your savings account safe.

Compare and apply for the best RuPay Credit Cards at Paisabazaar!