RuPay Credit Cards On Bajaj Markets: Benefits And Key Features To Know

Financeby Debamalya Mukherjee18 October 2023

RuPay Credit Cards

With so many financial institutions offering credit cards online, it can be really confusing to make a choice. However, among these options are RuPay credit cards, and they enable one to get more value out of everyday purchases.

The name RuPay is an amalgamation of Rupee and Payment that functions as a payment network in partnership with banks and credit card issuers. Under this initiative, you can find many credit card online, and even get access to offers from top lenders on the Bajaj Markets platform. 

Read on to learn about the RuPay credit card options accessible through Bajaj Markets and their key features. 

What Are RuPay Credit Cards And How Do They Work? 

One might think of RuPay credit cards as MasterCard or Visa, but there are some differences between the two. While the former two are international cards, Rupay is totally an Indian card used for domestic purposes. Moreover, RuPay credit cards consist of a limited processing fee owing to the fact that domestic processing is conducted for local transactions. 

RuPay Credit Cards In Bajaj Markets usually offer a seamless and digitally-equipped card experience to consumers. One can take advantage of the increased opportunity of using the credit cards. Furthermore, merchants benefit from the increasing consumption by taking part in the credit ecosystem. Nowadays, RuPay cards are linked to UPI IDs by simply enabling secure and encrypted digital payments.

Range Of RuPay Credit Cards

When you apply for a credit card online, there are many factors to consider, such as the types of rewards offered, fees, perks, etc. To help simplify the assessment process, here is an overview of the RuPay credit cards on Bajaj Markets. 

RuPay Credit CardsFees & ChargesTop Features 
Bank of Baroda Premier Credit Card₹1,000 annual fees + GST
  • 10 reward points on every ₹100 spent on dining, travel, and international transactions
  • Spend ₹1.20 Lakhs in a year for annual fee waiver
  • 4 annual complimentary airport lounge visits
  • EMI option for purchase over ₹2,500
IndianOil Kotak Credit Card₹449 annual fees + GST
  • Get an annual fee waiver for the next year by spending ₹50,000 in the previous year
  • Welcome benefits of 1,000 reward points on spending ₹500 within 30 days
  • Up to 5% savings on fuel spends at IndianOil gas stations
  • 2% cash back on dining and grocery spending at select merchants
IDFC FIRST Power Credit Card₹199 annual fees + GST
  • Annual fee waiver on spending over ₹50,000 in the previous year
  • Enjoy savings up to ₹7,000 and 2X rewards on retail purchases
  • Roadside assistance and insurance cover benefits 
  • 0% interest charged on ATM withdrawal
HDFC Bank Rupay IRCTC Credit Card₹500 annual fees + GST
  • Get 5 reward points for booking tickets on the IRCTC website or Rail Connect App
  • 2 complimentary IRCTC executive lounges access per quarter
  • Up to ₹1,000 waiver on transaction charges per statement cycle
  • Up to 50 days of interest-free period
PNB RuPay Select Credit Card₹500  annual fees + GST
  • 2X reward points with spending on retail merchandise
  • Cashback on paying utility bills, purchases at eateries, and dining
  • More than 300 reward points on first card usage
  • Round-the-clock concierge services are available 
IRCTC Rupay SBI Credit Card₹500  annual fees + GST
  • Up to 350 reward points on the first transaction of a minimum ₹500
  • 1 reward point on non-fuel purchases of ₹125 or higher
  • 1 complimentary railway lounge access per quarter
  • 10% value back as reward points on AC-class ticket booking via IRCTC App
Union Uni Carbon Credit Card₹499 annual fees + GST
  • ₹300 welcome bonus within 60 days of the activation date of the card
  • Personal Accidental Insurance up to ₹10 Lakhs against death or permanent disability
  • 4% cash back on every ₹100 spent on fuel at selected Hindustan Petroleum Corporation Ltd. stations 
  • 16 reward points on transaction of ₹100 on fuel purchases
IDBI Winnings RuPay Select Credit Card₹899 annual fees + GST
  • Get 2 delight points on spending ₹100
  • Additional 500 Delight Points on 5 transactions of ₹1,000 per month 
  • Up to ₹10 Lakhs Personal Accidental Insurance cover 
  • Zero joining fee for this credit card
Shaurya SBI Credit Card₹250 annual fees + GST
  • 5X reward points on dining, movie tickets, and grocery shopping
  • ₹2 Lakhs Personal Accidental Insurance Cover
  • 1% fuel surcharge waiver on transactions starting from ₹500 up to ₹3,000
  • Welcome benefits of 1,000 reward points
Union Platinum RuPay Credit Card₹299 annual fees + GST
  • Interest-free period between 21-50 days
  • Flat cashback per month of ₹50 on utility bill payment
  • Fuel surcharge reimbursed up to ₹100 per month
  • 24*7 domestic concierge services

Benefits Of Applying For A RuPay Credit Card

Transactions made through a RuPay credit card are secure, whether conducted offline or online at a merchant outlet or petrol station. With such cards, you get exclusive benefits and access to many excellent reward programs. 

You can use your reward points to gain exclusive deals such as discounts at leading retailers, offers at premium restaurants, free movie tickets, and more. Moreover, the transaction cost is very low on using RuPay credit cards. This is due to the fact that the government-run NPCI is a not-for-profit organization. 

For the same reason, many top banks in India rely on the RuPay payment network when offering credit cards online. You can also make UPI payments with your RuPay credit card or withdraw cash from over 1.5 lakh ATMs in India. 

Concluding Words

With such a wide range of RuPay credit cards to choose from, you can find one that matches your financial goals. However, you must check your eligibility when applying for a credit card online. In addition, check all the key features and benefits offered on other cards as well. This allows you to enjoy maximum benefits on every transaction. 

So, that was all about custom RuPay credit cards and their use in the finance industry. Keep reading our articles to gain useful insights, and do not forget to share your comments below. Happy reading. 

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Debamalya Mukherjee

Debamalya is a professional content writer from Kolkata, India. Constantly improving himself in this industry for more than three years, he has amassed immense knowledge regarding his niches of writing tech and gaming articles. He loves spending time with his cats, along with playing every new PC action game as soon as possible.

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