{"id":650,"date":"2026-03-31T11:43:59","date_gmt":"2026-03-31T11:43:59","guid":{"rendered":"https:\/\/gokiwi.in\/blog\/?p=650"},"modified":"2026-03-31T11:43:59","modified_gmt":"2026-03-31T11:43:59","slug":"rupay-credit-card-benefits-reasons-to-switch","status":"publish","type":"post","link":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/","title":{"rendered":"RuPay Credit Card Benefits 2026 – 12 Reasons to Switch"},"content":{"rendered":"\n

You’ve heard of RuPay. You probably even use it on your debit card. But do you know what a RuPay credit card can do that Visa and Mastercard simply cannot? In 2026, RuPay credit cards have become the smartest financial tool for Indian consumers, not because of patriotism, but because of genuine, practical advantages. Here are 12 benefits why millions of Indians are switching to RuPay credit cards.<\/p>\n\n\n\n

What Is a RuPay Credit Card<\/a>?<\/strong><\/h2>\n\n\n\n

RuPay is India’s own card payment network, created by the National Payments Corporation of India (NPCI<\/a>). Just like Visa and Mastercard, RuPay processes card transactions, but it specifically serves Indian consumers and the Indian payment ecosystem.<\/p>\n\n\n\n

A RuPay credit card looks and works like any other credit card for offline and online purchases. But it has one superpower the others don’t: it’s the only credit card network that works on UPI.<\/p>\n\n\n\n

12 Key Benefits of RuPay Credit Cards<\/strong><\/h2>\n\n\n\n

1. Works on UPI – No Other Credit Card Does This<\/strong><\/h3>\n\n\n\n

This is RuPay’s biggest advantage. When you link a RuPay credit card to PhonePe, Google Pay, or the Kiwi app, you can pay at any UPI QR code using your credit limit. Visa and Mastercard cannot do this.<\/p>\n\n\n\n

2. Zero Transaction Fee for Users<\/strong><\/h3>\n\n\n\n

You pay nothing extra when you use your RuPay credit card at any merchant. NPCI policy keeps the MDR (Merchant Discount Rate) on RuPay transactions low, making the card attractive to both users and merchants.<\/p>\n\n\n\n

3. Government Scheme Benefits<\/strong><\/h3>\n\n\n\n

NPCI regularly runs exclusive cashback and discount programmes on RuPay cards,  often tied to government digital payment initiatives. These offers are not available on Visa or Mastercard.<\/p>\n\n\n\n

4. BHIM App Integration<\/strong><\/h3>\n\n\n\n

RuPay credit cards integrate natively with the BHIM app, India’s government-backed UPI application. This gives you access to the government payment infrastructure without extra steps.<\/p>\n\n\n\n

5. Lounge Access at Indian Airports<\/strong><\/h3>\n\n\n\n

Many RuPay credit cards include complimentary domestic airport lounge access as a milestone benefit  through the RuPay premium programme, especially useful for frequent domestic travellers.<\/p>\n\n\n\n

6. Instant Virtual Card Issuance<\/strong><\/h3>\n\n\n\n

Cards like Kiwi’s RuPay credit card issue a virtual card the moment you’re approved. You can start spending immediately,  no waiting for a physical card in the mail.<\/p>\n\n\n\n

7. Strong Fraud Protection<\/strong><\/h3>\n\n\n\n

Every RuPay transaction requires OTP authentication, adding an extra layer of security. The network is governed by RBI and NPCI, with strict fraud protection standards.<\/p>\n\n\n\n

8. Works at All Major Domestic Merchants<\/strong><\/h3>\n\n\n\n

RuPay acceptance has reached near-universal coverage at Indian merchants,  from large e-commerce platforms to local kiranas with QR codes. Every merchant who accepts UPI effectively accepts your RuPay credit card.<\/p>\n\n\n\n

9. EMI Options Available<\/strong><\/h3>\n\n\n\n

Like Visa and Mastercard, RuPay credit cards support EMI conversions on large purchases,  split your bills into easy monthly instalments.<\/p>\n\n\n\n

10. Credit Score Building<\/strong><\/h3>\n\n\n\n

Using a RuPay credit card responsibly builds your CIBIL score exactly like any other credit card. Timely payments and low utilisation improve your creditworthiness over time.<\/p>\n\n\n\n

11. Lifetime Free Options Available<\/strong><\/h3>\n\n\n\n

Some of the best RuPay credit cards in India,  including Kiwi, are completely free, with no annual fee or joining fee. This lowers the barrier to entry for first-time credit card users.<\/p>\n\n\n\n

12. Made for India’s Digital Economy<\/strong><\/h3>\n\n\n\n

RuPay is built on India’s payment infrastructure. Updates, new features, and government payment integration roll out on RuPay first,  keeping you ahead of the curve in India’s rapidly evolving digital payments landscape.<\/p>\n\n\n\n

RuPay vs Visa vs Mastercard – Quick Benefit Comparison<\/strong><\/h2>\n\n\n\n
Feature<\/strong><\/td>RuPay<\/strong><\/td>Visa<\/strong><\/td>Mastercard<\/strong><\/td><\/tr>
Works on UPI<\/td>Yes<\/td>No<\/td>No<\/td><\/tr>
BHIM Integration<\/td>Yes<\/td>No<\/td>No<\/td><\/tr>
Govt scheme offers<\/td>Frequent<\/td>Rare<\/td>Rare<\/td><\/tr>
International use<\/td>Limited (select countries)<\/td>Global<\/td>Global<\/td><\/tr>
Domestic acceptance<\/td>Universal<\/td>Universal<\/td>Universal<\/td><\/tr>
Annual fee options<\/td>Many free options<\/td>Mixed<\/td>Mixed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

10 credit cards in India 2026 <\/p>\n\n\n\n

Can RuPay card be used internationally?<\/p>\n\n\n\n

Lifetime free RuPay credit card guide <\/p>\n\n\n\n

Q: Can a RuPay credit card be used internationally?<\/strong><\/strong>

A: Yes, but with limitations. RuPay has partnerships with Discover (US), JCB (Japan), and UnionPay (China), so cards work in select countries and on international websites that accept these networks. For widespread global use, a Visa or Mastercard companion card is recommended.<\/p> <\/div>

Q: Are there any charges for using a RuPay credit card on UPI?<\/strong><\/strong>

A: No,\u00a0 users pay zero transaction fees on UPI using a RuPay credit card. Merchants may pay a small MDR set by NPCI, but this is not passed on to the cardholder.<\/p> <\/div>

Q: Does using a RuPay credit card improve my CIBIL score?<\/strong><\/strong>

A: Yes. Any credit card usage,\u00a0 timely repayments, and keeping utilisation below 30%, improve your credit score. RuPay credit cards report to credit bureaus just like Visa and Mastercard cards.<\/p> <\/div>

Q: What is the best RuPay credit card in India 2026?<\/strong><\/strong>

A: The Kiwi RuPay credit card is the best for UPI-first users in 2026, with lifetime free, instant issuance, and rewards on every UPI transaction.<\/p> <\/div> <\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

You’ve heard of RuPay. You probably even use it on your debit card. But do you know what a RuPay credit card can do that Visa and Mastercard simply cannot? In 2026, RuPay credit cards have become the smartest financial tool for Indian consumers, not because of patriotism, but because of genuine, practical advantages. Here […]<\/p>\n","protected":false},"author":2,"featured_media":654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[9],"class_list":["post-650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rupay-credit-card","tag-rupay-credit-cards"],"yoast_head":"\nRuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi<\/title>\n<meta name=\"description\" content=\"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi\" \/>\n<meta property=\"og:description\" content=\"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/\" \/>\n<meta property=\"og:site_name\" content=\"Gokiwi Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-31T11:43:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kiwi Author\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kiwi Author\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/\",\"url\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/\",\"name\":\"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi\",\"isPartOf\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg\",\"datePublished\":\"2026-03-31T11:43:59+00:00\",\"dateModified\":\"2026-03-31T11:43:59+00:00\",\"author\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd\"},\"description\":\"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa\",\"breadcrumb\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028\"},{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354\"},{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999\"},{\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage\",\"url\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg\",\"contentUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/gokiwi.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"RuPay Credit Card Benefits 2026 – 12 Reasons to Switch\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\",\"url\":\"https:\/\/gokiwi.in\/blog\/\",\"name\":\"Gokiwi Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gokiwi.in\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd\",\"name\":\"Kiwi Author\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g\",\"caption\":\"Kiwi Author\"},\"url\":\"https:\/\/gokiwi.in\/blog\/author\/kiwi_author\/\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028\",\"position\":1,\"url\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028\",\"name\":\"Q: Can a RuPay credit card be used internationally?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A: Yes, but with limitations. RuPay has partnerships with Discover (US), JCB (Japan), and UnionPay (China), so cards work in select countries and on international websites that accept these networks. For widespread global use, a Visa or Mastercard companion card is recommended.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354\",\"position\":2,\"url\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354\",\"name\":\"Q: Are there any charges for using a RuPay credit card on UPI?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A: No,\u00a0 users pay zero transaction fees on UPI using a RuPay credit card. Merchants may pay a small MDR set by NPCI, but this is not passed on to the cardholder.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999\",\"position\":3,\"url\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999\",\"name\":\"Q: Does using a RuPay credit card improve my CIBIL score?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A: Yes. Any credit card usage,\u00a0 timely repayments, and keeping utilisation below 30%, improve your credit score. RuPay credit cards report to credit bureaus just like Visa and Mastercard cards.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047\",\"position\":4,\"url\":\"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047\",\"name\":\"Q: What is the best RuPay credit card in India 2026?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A: The Kiwi RuPay credit card is the best for UPI-first users in 2026, with lifetime free, instant issuance, and rewards on every UPI transaction.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi","description":"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/","og_locale":"en_US","og_type":"article","og_title":"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi","og_description":"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa","og_url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/","og_site_name":"Gokiwi Blog","article_published_time":"2026-03-31T11:43:59+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg","type":"image\/jpeg"}],"author":"Kiwi Author","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kiwi Author","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/","url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/","name":"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch | Kiwi","isPartOf":{"@id":"https:\/\/gokiwi.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage"},"image":{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage"},"thumbnailUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg","datePublished":"2026-03-31T11:43:59+00:00","dateModified":"2026-03-31T11:43:59+00:00","author":{"@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd"},"description":"Discover 12 key benefits of RuPay credit cards in India 2026, UPI payments, zero MDR, lounge access & more. Find out why RuPay beats Visa","breadcrumb":{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028"},{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354"},{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999"},{"@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#primaryimage","url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg","contentUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2026\/03\/K-M12.jpg","width":1920,"height":1080,"caption":"RuPay Credit Card Benefits 2026 - 12 Reasons to Switch"},{"@type":"BreadcrumbList","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gokiwi.in\/blog\/"},{"@type":"ListItem","position":2,"name":"RuPay Credit Card Benefits 2026 – 12 Reasons to Switch"}]},{"@type":"WebSite","@id":"https:\/\/gokiwi.in\/blog\/#website","url":"https:\/\/gokiwi.in\/blog\/","name":"Gokiwi Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gokiwi.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd","name":"Kiwi Author","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g","caption":"Kiwi Author"},"url":"https:\/\/gokiwi.in\/blog\/author\/kiwi_author\/"},{"@type":"Question","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028","position":1,"url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956898028","name":"Q: Can a RuPay credit card be used internationally?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A: Yes, but with limitations. RuPay has partnerships with Discover (US), JCB (Japan), and UnionPay (China), so cards work in select countries and on international websites that accept these networks. For widespread global use, a Visa or Mastercard companion card is recommended.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354","position":2,"url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956921354","name":"Q: Are there any charges for using a RuPay credit card on UPI?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A: No,\u00a0 users pay zero transaction fees on UPI using a RuPay credit card. Merchants may pay a small MDR set by NPCI, but this is not passed on to the cardholder.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999","position":3,"url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956952999","name":"Q: Does using a RuPay credit card improve my CIBIL score?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A: Yes. Any credit card usage,\u00a0 timely repayments, and keeping utilisation below 30%, improve your credit score. RuPay credit cards report to credit bureaus just like Visa and Mastercard cards.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047","position":4,"url":"https:\/\/gokiwi.in\/blog\/rupay-credit-card-benefits-reasons-to-switch\/#faq-question-1774956965047","name":"Q: What is the best RuPay credit card in India 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A: The Kiwi RuPay credit card is the best for UPI-first users in 2026, with lifetime free, instant issuance, and rewards on every UPI transaction.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/650"}],"collection":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":1,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":655,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/650\/revisions\/655"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media\/654"}],"wp:attachment":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}