Rupay Credit Card: Why You Must Have One 

Let us learn about the top eight reasons to choose a Rupay credit card:

1. Payments on-the-go

Staying true to its tagline, Rupay credit card payments are flexible, instant, simple and convenient. This Rupay card benefit of payments on the go is enhanced even further with the linking of UPI to Rupay credit cards in October 2023. 

This linking had enabled making payments from a single platform, allowing the users to consolidate their financial activities. 

2. Enhanced security features 

    Since Rupay belongs to the NPCI (National Payments Corporation of India), the Rupay credit card benefit includes advanced security features. This aspect of security while making payments is the most sought-after for any kind of transaction. Its robust fraud-detection mechanism, zero-liability on card loss, and lost card insurance feature are popular.  

    3. Zero joining fee 

    Most Rupay credit cards are available at zero-joining fees and maintenance charges. This feature also increases the cost-benefit analysis of having a credit card. Apart from the lower total cost of having a credit card, they also offer unique features such as airport lounge access, free personal accident coverage, fuel surcharge waiver, 24/7 concierge assistance or services, reward points and benefits on dining, travel and more. 

    4. EMI and revolving credit 

    One of the key benefits of a credit card is converting large transactions into snackable EMI instalments. Thus, the credit card EMI or Equated Monthly Instalment payment mechanism helps you grasp beyond your reach in terms of finances. Rupay credit cards can help you convert your eligible UPI payments into EMIs. Therefore, over a period of time, you can manage your large expenses flexibly, efficiently, and comfortably with EMIs. 

    Furthermore, users can use revolving credit, meaning they can choose to pay off their outstanding debt in parts. 

    5. Cashback and reward points 

    Getting a little extra always adds to the joy. It might be in the form of discounts, cashback, or reward points. With the Rupay cards, you can get all three benefits wrapped up in one. 

    Many travel and dining apps provide special cashback and discounts for Rupay credit card payments. These benefits are further enhanced with reward points added to your card. Once you accumulate a substantial amount of Rupay credit card points, you can use them to purchase discount vouchers from your favourite brands. Using the Pay with Rewards payment option on the transaction page, you can also use the Rupay credit card points to pay for your purchases. The integration of UPI also incentivises Rupay credit card use for UPI payments. 

    6. Tracking and managing finances 

    Since Rupay cards are now embedded with UPI, tracking and managing expenses has become more simple and convenient. Tracking and keeping a record of your daily transactions can help you figure out your spending pattern. This, in turn, can help you manage your finances better and curtail your excess spending. The Rupay credit card and UPI integration have made tracking and managing financial transactions on the go easier. 

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