RuPay Platinum Credit Cards

RuPay Platinum Credit Cards offer a range of benefits, including UPI payments, merchant offers, insurance coverage, lounge access and more. These cards can be linked to supported UPI apps for seamless credit card payments. Here, you can compare the best RuPay Platinum Credit Cards based on their features, benefits, fees, and more.

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What are RuPay Platinum Credit Cards?

RuPay Platinum Credit Cards are offered by various leading card issuers in India and come with a range of benefits and privileges. Like all other eligible RuPay Cards, these cards can be linked to any UPI app allowing cardholders to make seamless UPI payments using their credit cards. Depending on the card issuer, RuPay Platinum Credit Cards may also offer benefits such as exclusive merchant offers, insurance coverage, airport lounge access and concierge services. On this page, we list some of the best RuPay Platinum Credit Cards along with their features, benefits, fees, eligibility and more.

Features and Benefits of RuPay Platinum Credit Cards

While the core features like the rewards program, milestone benefits, etc. vary from card to card, there are some common benefits of RuPay Platinum Credit Cards as shown below:

UPI Transactions: RuPay Platinum Credit Cards can be linked to UPI apps and users can make merchant payments directly through UPI using their credit card and earn rewards or cashback on their everyday spends. This facility is currently not available with Visa or Mastercard Credit Cards.

Reward Points: Cardholders can earn reward points on eligible purchases. The earn rate, redemption options, exclusions and the redemption values vary by card variant.

Airport Lounge Access: Many RuPay Platinum Credit Cards offer complimentary domestic airport lounge access. This benefit could be subject to minimum-spend requirements, as per the card’s terms and conditions.

Dining and Lifestyle Offers: Some RuPay Platinum Cards also provide access to dining discounts and lifestyle offers through the bank's partner programmes and RuPay offers.

Contactless Payments : RuPay Platinum Cards generally support contactless transactions, allowing users to make eligible payments by tapping the card at POS terminals.

Wide Acceptance : RuPay cards can be used at a large network of merchants and ATMs across India, with international acceptance available on cards that support it.

Enhanced Platinum Benefits: Compared with entry-level RuPay cards, Platinum cards may provide additional privileges such as lounge access, higher reward opportunities and lifestyle offers, depending on the issuing bank.

RuPay Platinum Vs. RuPay Select Credit Cards

RuPay Platinum and RuPay Select are two different tiers of RuPay Cards with differences in the level of features and benefits offered. While Platinum cards are generally entry-level, RuPay Select is positioned towards more premium offerings and may include enhanced benefits. Here are some key differences between RuPay Platinum and RuPay Select.

Feature	RuPay Platinum	RuPay Select
Card segment	Entry-level	Mid-range/Premium
UPI payments	Available	Available
Reward benefits	Rewards vary by issuer	May offer enhanced rewards, depending on the issuer
Airport lounge access	Available on select cards	Generally offers more premium travel benefits on eligible cards
Insurance benefits	Available on select cards	May include more comprehensive coverage
Lifestyle benefits	Merchant and lifestyle offers	Additional premium lifestyle privileges may be available
Concierge services	Available on select cards	Available on some cards, may also vary basis the issuer
Fees	Varies by card issuer and card variant	Varies by card issuer and card variant

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

What are the benefits of RuPay Platinum Credit Cards?

RuPay Platinum Credit Cards can offer benefits such as reward points, UPI payments, airport lounge access, dining and lifestyle offers, insurance coverage, contactless payments and merchant discounts. The benefits vary depending on the card issuer and specific card variant.

What is the annual fee for a RuPay Platinum Credit Card?

The annual fee varies across RuPay Platinum Credit Cards and depends on the issuing bank and card variant. Some cards may have no annual fee, while others may charge a fee that can be waived on meeting specified spending conditions.

What is the credit limit on a RuPay Platinum Credit Card?

There is no fixed credit limit for RuPay Platinum Credit Cards. The issuing bank determines the credit limit based on factors such as the applicant's income, credit profile, repayment history and internal eligibility criteria.

Is RuPay Platinum accepted at airport lounges?

Yes, eligible RuPay Platinum Credit Cards may offer complimentary airport lounge access. However, lounge access is a card-specific benefit and may be subject to conditions such as minimum spending requirements, a limited number of complimentary visits and participating lounge availability.

Can RuPay Platinum Credit Cards be used for UPI payments?

Yes. Eligible RuPay Platinum Credit Cards can be linked to supported UPI apps and used to make merchant payments. However, certain transactions may be excluded from UPI payments or rewards depending on the card issuer's terms.

Do RuPay Platinum Credit Cards offer reward points on UPI transactions?

The reward structure for UPI transactions varies by card. Some cards may offer rewards on eligible UPI spends, while others may exclude UPI transactions from their rewards programme.