RuPay, India's homegrown card network, has become a household name for millions of Indians. Established with a goal to support the Reserve Bank of India’s (RBI) vision of a 'less cash' economy, RuPay now competes with international giants like Visa and Mastercard, particularly through its credit card offerings. RuPay credit cards' popularity is evident from their market share, which impressively increased from 3% in FY23 to 10% in FY24.

A major reason RuPay credit cards attract individuals is the countless offers and discounts they provide, which turn daily transactions into opportunities for more savings and perks. But to truly make the most of these benefits, it is important to understand how these offers work and how to use them wisely. Get all the valuable insights below!

Understanding RuPay Credit Cards | A Brief Overview

Banks in India, which operate under the RuPay network developed by the National Payments Corporation of India (NPCI), issue RuPay Credit Cards. The network was initially launched in 2012 for ATM and debit cards but expanded to the credit card market in 2019.

These credit cards work just like any other credit card, allowing you to make purchases and payments. The major difference is that transactions are processed through the home grown RuPay network, which keeps costs lower and data localised within India.

An In-Depth Look at RuPay Credit Card Offers and Discounts

Maximising your RuPay credit card benefits begins with understanding the different offers and discounts available to you.

Reward Points Programs | Earn More With Every Purchase

A RuPay credit card gives you the opportunity to earn with every transaction. These points are earned every time you use your RuPay card for qualified transactions, whether it is for purchasing groceries, purchasing movie tickets, or booking flights. The collected reward points can be redeemed for multiple gift vouchers, products, services, air miles, or even cashback.

Concerned that your reward points might expire? It is a fact that many credit cards come with a limited timeframe for point redemption. However, if you have the IndusInd Bank Platinum RuPay Credit Card, you enjoy never-expiring reward points. No more pressure of deadlines or rushing to redeem your points. You can focus on accumulating points for high-value items or other long-term goals.

You can get this premium RuPay credit card in just three steps:

• Apply online and input your personal details

• Instantly view the best offers available based on your information

• Choose your offer and get your RuPay credit card delivered

This 100% digital process means no hassles of bank visits or physical documentation. Everything happens from the comfort of your home.

Travel Benefits: Discounts and Insurance Coverage

RuPay credit cards offer huge travel benefits that can help you save on flights, hotels, and more. Through partnerships with major travel portals, these credit cards help individuals access exclusive discounts on domestic and international flight bookings. Hotels and holiday packages are often offered at discounted rates when booked through RuPay's partnered platforms. Many issuers even provide complimentary airport lounge access at major Indian airports for RuPay credit cardholders.

However, a key concern for many travellers is the risk of mishaps such as lost passports, delayed flights, or lost luggage. In these situations, having travel insurance is crucial. With the IndusInd Bank Platinum RuPay Credit Card, you enjoy comprehensive travel insurance for:

• Lost baggage: ₹1,00,000

• Delayed baggage: ₹25,000

• Loss of passport: ₹50,000

• Lost ticket: ₹25,000

• Missed connection: ₹25,000

Note: These offers are subject to change. For the latest travel insurance coverage details, please check the IndusInd Bank Platinum RuPay Credit Card section on the official website.

Fuel Surcharge Waivers: Save on Daily Fuel Purchases

Options like IndusInd Bank Platinum RuPay Credit Card let you drive more affordably with a fuel surcharge waiver applicable at petrol pumps across India. Every time you fill up your vehicle, the 1% surcharge added to your bill is waived. For individuals whose fuel expenses form a major portion of their monthly budget, this benefit can provide considerable relief.

Festive Offers: More Discounts During Holiday Seasons

Festive periods in India, such as Holi, Diwali, Dussehra, and Christmas, are times when retailers and service providers offer some of their best discounts. RuPay credit cards often have exclusive festive offers during these times. This could range from higher cashback percentages to extra reward points and discounts on products and services.

During mega sales events by online retailers, RuPay credit cardholders may enjoy more discounts and no-cost EMI offers on multiple big-ticket items such as laptops, home appliances, smartphones, and more.

Tips To Make the Most of Your RuPay Credit Card Rewards and Offers

Pay via Unified Payments Interface (UPI): The IndusInd Bank Platinum RuPay Credit Card offers UPI functionality. For every ₹100 spent through UPI, you earn 2 reward points, and for non-UPI transactions, you get 1 reward point. This way, you enjoy dual benefits, i.e., quick, hassle-free transactions and higher rewards.

Use your card for daily payments: Daily expenses such as dining and groceries usually accumulate fast. By using a RuPay credit card for these transactions, you can benefit from cashback and collect reward points on transactions without extra effort.

Match your spending to offer categories: Use your RuPay card where it offers the highest cashback or discounts, such as partnered restaurants, fuel stations, electronic items, or online stores.

Prioritise festive and special sales: Plan your big purchases during festive times or mega sales events to access the best discounts and cashback deals.

Stay updated on offers: RuPay credit card offers change periodically. Keep checking your bank's website and mobile banking app or sign in for SMS or email notifications to get timely alerts about the latest discounts, cashback offers, and reward programs.

Redeem reward points wisely: Review your reward points balance from time to time and redeem them for vouchers, gifts, or services that provide the best value.

Get Your RuPay Credit Card Today!

RuPay credit cards come with countless useful offers and discounts that help you save money and maximise the value of your purchases. From cashback on daily expenses to exclusive offers on travel, dining, entertainment, and shopping, there are several opportunities to capitalise on.

To make the most of these offers, use your card for purchases in eligible categories, take advantage of special promotions during festive seasons, and redeem rewards wisely. Most importantly, choose the right bank to apply for a RuPay credit card that offers the best benefits for your spending patterns and lifestyle.

(All articles published here are Syndicated/Partnered/Sponsored feed, LatestLY Staff may not have modified or edited the content body. The views and facts appearing in the articles do not reflect the opinions of LatestLY, also LatestLY does not assume any responsibility or liability for the same.)