RuPay credit cards have become popular among Indian cardholders and offer many benefits. With increasing demand for cashless transactions, RuPay has established itself as a homegrown network providing various rewards, cashback, and additional perks. This article will delve into the key features that make the RuPay credit card an appealing choice for Indian consumers.
Key Benefits of RuPay Credit Cards
So, before you apply for a credit card, let’s have a look at the key advantages of RuPay Credit Cards:
1. Cashback and Rewards
Cashback is one of the most attractive features of rewards credit cards nowadays. Cardholders can earn back a percentage of the money they spend as real cash. Many popular travel and shopping credit cards provide attractive cashback on categories like fuel, dining, groceries, utility payments, etc. The money earned as cashback can be redeemed as a credit towards your statement balance.
On the other hand, some cards also have additional reward point systems that allow users to accumulate points on transactions and redeem them for online vouchers, merchandise, hotel bookings, air miles, and more. The redemption process, rates, and options may vary across banks.
2. Fuel Surcharge Waiver
For those who frequently use their vehicles, the fuel surcharge waiver offered by RuPay credit cards can be a significant benefit. Typically, a surcharge is applied when you pay for fuel using a credit card. However, with RuPay credit cards, users can get this surcharge waived when refuelling at selected petrol stations. However, this waiver can help users save on their monthly fuel expenses and adds extra value to their credit card usage, especially for those who commute regularly.
3. Zero Liability on Lost Cards
RuPay credit cards have a zero liability feature, which means that as long as you notify of the loss or theft of your card as soon as it happens, you won’t be held accountable for any unauthorised transactions. Because of this feature, cardholders may rest easy knowing that their finances are safeguarded even if their card is lost.
4. Airport Lounge Access
Many RuPay credit cards offer free entry to airport lounges, allowing passengers to unwind and take advantage of first-rate amenities while waiting for their trip. Access to lounges is advantageous for frequent travellers who would rather have a peaceful, pleasant setting before boarding. This amenity elevates your travel experience by offering free beverages, free Wi-Fi, and cosy couches to help you unwind.
5. Contactless Payments
Contactless payment methods are also available for RuPay credit cards, which speed up and secure transactions. For modest purchases, customers can finish payments with a single tap instead of swiping or entering a PIN. This improves transaction speed while lowering the possibility of physical contact during payments, an additional safety measure in the current setting.
6. Global Acceptance
Despite beginning as a domestic network, RuPay operates in more than 200+ nations. This means travellers may carry just one card on their vacations thanks to RuPay’s global acceptance, which enables customers to use their credit cards abroad. RuPay credit cards guarantee smooth transactions whether you shop in India or elsewhere, letting you enjoy your trip without worrying about carrying cash.
7. Exclusive Partner Discounts
RuPay credit cards frequently include special offers and discounts from partnered retailers. The discounts on dining, shopping, and travel that these deals may entail will give cardholders extra savings. RuPay credit card customers can take advantage of these collaborations to get discounts at domestic and foreign brands, increasing the overall value of their purchases.
The Bottom Line
RuPay credit cards offer an impressive range of cashback, rewards, and additional perks that cater to various spending needs. From cashback on purchases to lounge access and fuel surcharge waivers, RuPay ensures cardholders get the most value from their everyday transactions. With global acceptance and low foreign transaction fees, RuPay credit cards are a reliable and cost-effective choice for domestic and international spending. As more people opt for these cards, RuPay continues to enhance its offerings, providing Indian cardholders with a robust and rewarding credit card experience.
By choosing a RuPay credit card like those offered by AU Small Finance Bank, you can maximise your savings, enjoy exclusive benefits, and have the convenience of seamless transactions both in India and abroad.
