रुपे प्लेटिनम क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: National Payments Corporation of India (RuPay)
Flagship multi-bank RuPay card featuring UPI QR code payment support, 8 domestic airport lounge visits, and ₹2 Lakh NPCI accidental cover.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
RuPay Platinum Credit Card is the National Payments Corporation of India (NPCI) flagship retail credit product issued in partnership with India's leading public and private sector banks (SBI, PNB, Union Bank, Bank of Baroda, HDFC, ICICI). It allows cardholders to make merchant QR code payments over UPI on credit while enjoying 8 domestic airport lounge accesses and NPCI ₹2 Lakh insurance.
Gift vouchers from leading lifestyle brands, plus complimentary NPCI accidental insurance coverage of ₹2,00,000.
2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across participating RuPay Platinum airport lounges in India. 2 complimentary domestic railway lounge visits per quarter.
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all petrol pumps across India.
Direct integration with Unified Payments Interface (UPI) — link credit card directly to Google Pay, PhonePe, Paytm, and BHIM to pay any merchant QR code on credit. Seamless alignment with Pradhan Mantri Suraksha Bima Yojana (PMSBY).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹20,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹20,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Peer-to-peer (P2P) transfers to personal bank accounts over UPI are prohibited by RBI regulations. International acceptance requires merchant terminals that partner with Discover, Diners Club, or JCB. Insurance requires card usage within the past 90 days.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit issuing bank's official portal or download bank mobile banking app. Step 2: Enter PAN and mobile number for soft credit score verification. Step 3: Select RuPay Platinum Credit Card from the card catalog. Step 4: Confirm salary, employer name, and residential details. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days; link instantly to UPI apps.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on RuPay Platinum Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; tiered late fee from ₹400 to ₹1,300 (+ GST) based on outstanding balance.. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on RuPay Platinum Credit Card into EMI?
Yes, National Payments Corporation of India (RuPay) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on RuPay Platinum Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into National Payments Corporation of India (RuPay)'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against shopping vouchers, air miles, or card statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on RuPay Platinum Credit Card and how does it work?
The interest-free period on RuPay Platinum Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.