By IndiaHub 
The credit card market in India is witnessing a significant shift, with RuPay cards gaining tremendous momentum. Recent data shows that RuPay now accounts for 16% of all credit card spending in India, with nearly half of these transactions happening through UPI. This indigenous payment network, launched by the National Payments Corporation of India (NPCI), has become a formidable alternative to international giants like Visa and Mastercard.
What makes RuPay credit cards particularly appealing to Indians? For starters, they’re the only cards that can be linked directly to UPI for payments, a feature that has revolutionised how we make transactions. Whether you’re a young professional in Mumbai or a small business owner in Jaipur, understanding the RuPay ecosystem can help you make informed decisions when you apply for a RuPay credit card online.
Why RuPay credit cards are gaining popularity
RuPay’s growth isn’t just a coincidence. It’s backed by several compelling advantages:
Lower processing fees
RuPay typically charges lower processing fees compared to international networks:
This means businesses pay less when accepting RuPay payments, often resulting in better deals for customers.
Seamless UPI integration
RuPay is currently the only card network allowed to process credit card transactions through UPI. This integration has been a game-changer for users who want to:
- Make credit card payments using simple UPI QR codes
- Enjoy cashback benefits while using UPI
- Avoid carrying physical cards
- Access credit at millions of UPI-enabled merchants
This integration means you can apply for a RuPay credit card and access both traditional card payments and UPI’s convenience, truly getting two payment methods in one.
Government support and wider acceptance
The RBI has actively promoted RuPay’s growth through favourable regulations. This support has helped RuPay capture 16% of all credit card spending in India, with nearly half occurring through UPI-linked transactions.
How to apply for RuPay credit card online
Applying for a RuPay credit card online is straightforward:
- Check your eligibility: Most banks require a minimum income of ₹2-3 lakh annually and a CIBIL score above 700. You can check your credit score before applying.
- Compare options: Different banks offer various RuPay card variants with unique benefits.
- Gather documents: Typically, you’ll need:
- PAN card
- Aadhaar card
- Income proof
- Address proof
- Passport-sized photograph
- Submit application: Use the Airtel Thanks app to apply digitally.
- Verification: The bank will verify your details and approve your application based on eligibility.
Many banks now offer completely paperless applications, making it easier than ever to apply for a RuPay credit card online. The entire process typically takes less than 30 minutes, with minimal documentation required.
RuPay vs. international cards
When deciding whether to apply for a RuPay credit card or international alternatives, consider these factors:
Domestic vs. international usage
- RuPay: Excellent for domestic transactions, especially with UPI integration
- Visa/Mastercard: Better international acceptance
Rewards structure
RuPay cards often offer tailored rewards for Indian consumers:
- Higher cashback on domestic e-commerce platforms
- Special discounts on Indian festivals
- Rewards on everyday spending categories like groceries and fuel
ET SpotlightCredit cards for spends
With NPCI setting up a large R&D centre and expanding international partnerships, RuPay’s future looks promising. The network is already accepted in Singapore, the UAE, and several other countries, with plans for further expansion.
For tech-savvy consumers, the Airtel Axis Bank credit card offers a compelling RuPay option with digital-first features and exclusive benefits.
RuPay credit cards represent a significant shift in India’s payment ecosystem, offering unique advantages through UPI integration, lower fees, and tailored benefits for Indian consumers.
Whether you’re a first-time credit card user or looking to expand your wallet options, applying for a RuPay credit card online is worth considering.
Ready to experience the benefits of India’s native payment network? You can explore RuPay credit card options through Airtel Finance and join the millions of Indians embracing this digital payment revolution.
FAQs
- Can I apply for a RuPay credit card with a low credit score?
While a score above 700 is ideal, some banks offer secured RuPay credit cards against fixed deposits for those with lower scores or no credit history. - How does UPI integration work with RuPay credit cards?
After receiving your RuPay credit card, you can link it to your UPI ID through your banking app or UPI app, enabling QR code payments directly from your credit line. - Are there annual fees for RuPay credit cards?
Many RuPay credit cards come with zero or minimal annual fees compared to international cards, making them cost-effective for regular users. - Can I use RuPay credit cards internationally?
Yes, RuPay cards are accepted in Singapore, the UAE, Bhutan, and several other countries with expanding global acceptance through partnerships. - Is it safe to apply for a RuPay credit card online?
Yes, applying through authorised apps like the Airtel Thanks App ensures secure processing of your application with encryption protection.