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Summary: Credit cards in India are majorly available across three networks – Visa, Mastercard and, more recently, RuPay. This article explains how these three networks differ, while detailing their benefits and features.
Credit cards have become an integral part of our financial portfolio. Most major banks, including IDFC FIRST Bank, issue credit cards affiliated with payment networks like RuPay, Visa and Mastercard. While they serve the basic purpose of enabling cashless transactions, there are some notable differences between these three networks that customers should evaluate when applying for a new credit card.
Operating in 210+ countries, Mastercard enables a staggering 2.5 billion transactions per day, making every payment effortless and secure for IDFC FIRST Bank customers.
RuPay credit cards are issued by many public sector and private banks. Foreign banks are yet to offer RuPay credit cards. In terms of acceptance, RuPay cards are now accepted at all outlets that accept other major credit cards like Visa and Mastercard across India. RuPay has also partnered with Discover, JCB, etc. to expand international acceptance. But it still lags behind Visa and Mastercard in this aspect. Though merchants reach of RuPay by UPI surpasses that of master and VISA
Visa cards are offered by almost every major bank in India including top private banks. Visa claims to have the largest merchant network spanning 200+ countries and territories. It is accepted on a vast scale worldwide including at all major establishments in India.
Like Visa, Mastercard is also offered by leading banks. It has a strong global presence and is accepted at millions of merchants, hotels, websites worldwide. In India too, it enjoys wide coverage like Visa.
RuPay credit cards are more economical with exciting joining offers and rewards on UPI payments. Interest rates are on par with Visa and Mastercard. RuPay enjoys wide acceptance across India and is rapidly expanding its global footprint through partnerships. Exclusive benefits like airport lounge access make RuPay more beneficial for Indian users. Integration of UPI payments on RuPay cards provides an additional, convenient digital payment option.
While Visa and Mastercard currently have an edge over RuPay cards in terms of premium features and global acceptance, RuPay cards are fast catching up by adding new benefits tailored for Indian customers. UPI on RuPay has made it more accessible as well. As NPCI expands RuPay’s network and ties up with more banks, the value proposition of RuPay cards for Indian consumers will become even more compelling.
IDFC FIRST Bank offers RuPay credit cards as an add-on to Visa cards with just a ₹199 fee. This unique feature allows customers to enjoy the benefits of both networks. The easy UPI transactions using add-on activation benefit on lifetime free credit cards make it a great choice for customers.
Apply for the unique IDFC FIRST Digital RuPay Credit Card today and get rewarded on all your spends and pay using UPI. This card offers a host of benefits tailored to the needs of Indian customers, making it a great choice for anyone looking to maximize the value of their credit card.
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.