Maximise money-saving with the best RuPay Credit Card for UPI

When it comes to credit cards, there are numerous options available in the market today. One option that’s gaining popularity in India is the RuPay credit card. They offer a refreshing alternative, providing a range of benefits that can help in saving money and streamlining your spending.

Let’s explore the benefits of having the best RuPay credit card for UPI and how to choose the one for you. 

RuPay credit card benefits
 

 Here are some of the perks of having the best RuPay credit card for UPI by your side –

• Low transaction fees

One of the most significant benefits of the RuPay credit card is its low transaction fees, which are generally lower than those of other credit cards. It makes them a popular choice if you want to save on credit card expenses.

• Wide acceptance

Since they are issued by the National Payments Corporation of India (NPCI), RuPay credit cards are accepted at most merchant establishments in the country, making them a convenient option for users. RuPay global credit cards, such as the FIRST Power and FIRST Power+ credit cards, are accepted in over 42.4 million POS locations and over 1.90 million ATM locations in 185 countries and territories worldwide.

• Various rewards programs

They provide various rewards programs and cashback offers, making them a lucrative option for those who use credit cards regularly. RuPay credit card offers can include discounts on dining, travel, shopping, and other exclusive offers and privileges. This translates to significant money savings.

• Secure transactions

RuPay credit cards are often associated with secure transactions and fraud protection, providing peace of mind to users when making purchases or transactions.

What to look for in your RuPay credit card?
 

To choose the best RuPay credit card for UPI, consider the following –

• Spending habits

Consider your spending habits and financial goals to determine which type of RuPay credit card will work best for you. For example, if you frequently travel or shop online, a credit card with a travel or online shopping rewards program may be more beneficial and enable money-saving.

• Charges on the card

Another factor to consider is the RuPay credit card annual fee, interest rates, and other charges. Some RuPay credit cards offer no annual fee, while others have a fee ranging from moderate to high, depending on the features offered.

• Credit limit

It's also important to consider the card's credit limit, as it should match your spending requirements and ability to pay the bills on time.

The best RuPay credit card in India
 

Now that you know the perks of access to the best RuPay credit card for UPI, you might wonder which RuPay credit card is best for you. IDFC FIRST Bank makes the switch to RuPay credit cards easy with their FIRST Power and FIRST Power+ Credit Cards, packed with mobility, utility, and lifestyle benefits.

Here’s the best part –

FIRST Power Credit Card

• Annual savings of up to ₹7,000, equivalent to over 65 litres of fuel
• Welcome benefits worth ₹2,250
• Earn 2X rewards on all UPI and other expenses
• Rewards earned on the card never expire
• Low and dynamic interest rates starting at 9% per annum
• 0% interest on ATM cash withdrawals until the due date

What’s more, benefit from exclusive offers available from your favourite brands. Enjoy fantastic deals and discounts across various popular brands like Zomato, Wynk Music, The Bluestone and more.

FIRST Power+ Credit Card

• Annual savings of up to ₹18,500, equivalent to over 175 litres of fuel
• Welcome benefits worth ₹2,500
• Earn 3X rewards on all UPI and other expenses
• Lifestyle privileges, such as complimentary airport lounge access
• Rewards earned on the card never expire
• Low and dynamic interest rates starting at 9% per annum
• 0% interest on ATM cash withdrawals until the due date

How to apply

Here’s how you can apply for your FIRST Power and FIRST Power+ Credit Card –

• Step 1 – Visit the IDFC FIRST Power Credit Card webpage
• Step 2 – Enter your basic details, including your name and contact information
• Step 3 – Confirm your identity by providing the one-time password (OTP) received on your mobile phone
• Step 4 – Provide additional personal details such as your PAN, occupation, monthly income, current address, and gender
• Step 5 – Determine your eligibility for an IDFC FIRST Bank Credit Card and complete the online application form for the available card

With the bank’s instant approval, you can use this best RuPay credit card for UPI in no time.

Conclusion
 

Choose the best RuPay credit card for UPI that fits your needs. Sign up for a FIRST Power and FIRST Power+ Credit Card today and enjoy exclusive rewards and benefits!