RuPay Debit Card: Types, Features & Benefits

Here some of the top RuPay Debit Cards offered by various banks:

RuPay Debit Cards are offered under three variants and the benefits offered varies from one variant to another. Here are the details regarding the same:

1. RuPay Platinum Debit Card: With RuPay Platinum, you can avail discounts from various merchants and earn cashback on utility bill payments along with easy cash withdrawal facility.
   
2. RuPay Classic Debit Card: This variant helps you to make the payment with exclusive merchant offers and can be used to withdraw money from a wide network of ATMs.
3. RuPay Select Debit Card: This variant caters to the need of customers who are seeking lifestyle-centric benefits, such as gyms, spas, wellness, etc.

Note: All three card variants at present are available under RuPay Global and are accepted at over 42.4 million POS locations and over 1.90 million ATM locations in 200+ countries and territories worldwide.

If you want to avail RuPay Debit Cards, you must have a bank account with any of the providers that offer RuPay Debit Cards. Along with that, you need basic KYC documents like ID proof and address proof. The documents that are required to apply for a RuPay Card are mentioned below:

• Address Proof
• Identity Proof
• 2 passport size photographs

Note: A RuPay debit card can be availed by filling out a form at the respective bank branch.

Most of the banks offer debit cards whenever you open a savings account. However, if you haven’t received a debit card, you can apply for a RuPay Debit Card separately by filling out an application form. To do so, you can visit any of the nearest branches of the bank that you have an account with and submit the duly filled application form. Also, while applying for a debit card, make sure that you carry copies of your KYC documents that are needed for the verification. Besides this, you can also apply online for a RuPay Debit Card through the official website of the respective bank.

Must read: Best Rupay Credit Cards 2024

The transaction cost of RuPay Debit Card is very less when compared to the other debit card variants in the market such as Visa & MasterCard since the entire transaction process takes place on Indian premises. There’s greater reachability of these cards as customers living in rural areas with limited internet accessibility are also using them. Not only this, high transaction and withdrawal limit offers immense flexibility to the customers.  However, you must opt for a RuPay Debit Card if it is meeting your needs and requirements.

Q. What is RuPay Debit Card?

A. RuPay Debit Card is a plastic card that can be used as a method of payment that is issued by your bank where you have an account. This is the first-of-its-kind that has a global card payment network from India, with wide acceptance at various shops, ATMs, and online transactions.

Q. How does RuPay Debit Card work?

A. RuPay Debit Card is linked to a bank account and can be used in various ways such as to withdraw funds from an ATM, to shop at PoS, or for making an online purchase.

Q. What are the benefits of having a RuPay Debit Card?

A. Some benefits of owning a RuPay Debit Card are (i) secured and safe transactions with SMS alerts and notifications (ii) has a greater reach as customers in rural areas also apply (iii) provides interoperability between payment channels.

Q. I have lost my RuPay Debit Card. What do I do?

A. In case of loss or theft of a RuPay Debit Card, make sure you report the loss to the respective issuing bank in order to block the card. To do so, you can either call the customer service, visit the nearest bank branch, log in to your net banking account, etc.

Q. I have applied for a RuPay Debit Card, how can I check the status of my RuPay Debit Card application?

A. In order to check the status of your RuPay Debit Card application, you may contact the bank in which you have applied for a RuPay Debit Card.

Q. Which banks offer RuPay Debit Cards?

A. Some of the core promoter banks that issue RuPay Debit Cards are State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union Bank of India, Bank of India, ICICI Bank, HDFC Bank, etc.

Q. Can I use my RuPay Debit Card outside India as well?

A. Yes, for RuPay, NPCI entered into a strategic partnership with Discover Financial Services to enable the acceptance of RuPay Global Cards to utilize the Discover, Diners Club International, and PULSE networks for international purchases and cash access outside India.