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India’s #1 FD credit card that’s helping millions of Indians build their CIBIL score:
Features
🔴 100% approval guarantee, eliminating the hurdles of income or credit score prerequisites.
🔴 Enjoy lifetime membership with the Rupi Credit Card without the burden of annual or joining fees.
🔴 Get the card on a minimum fixed deposit of Rs.5,000 and enjoy an annual interest rate of up to 7%.
🔴 Close your FD anytime, no lock-in
🔴 Your FD is fully insured by RBI up to ₹5 Lakh
🔴 Avail of generous credit limit of 90% & cash limit of 80% of Fixed Deposit amount.
🔴 Access to many discounts on dining, lifestyle, medicines, and other categories.
🔴 Earn transparent rewards on every purchase adding more value to your spending.
🔴 Claim rewards without incurring any additional fee.
Fees & Charges
🔹 Joining Fee: NIL
🔹 Annual Fee: NIL
🔹 Forex Markup Fee: Minimal forex markup fee of 2.49%.
🔹 Late Payment Fee: Rs.299.
🔹 Cash Advance Fee: 2.5% or Rs.300, whichever is higher.
Eligibility Criteria
🔹 Nationality: Indian Citizen
🔹 Age: 18+ years
🔹 Rupicard is ideal for customers who have low cibil score or are new to credit. If they are unable to get credit card due to income or score or profile (Self employed, Students, Housewives, Thin Cibil or bad credit history etc)
🔹 Rupicard is the best product to build good cibil score for getting future loans.
🔹 Not available in Jammu & Kashmir, Ladakh, Andaman & Nicobar Islands, Assam, Mizoram, Meghalaya, Manipur, Arunachal Pradesh, Tripura,
Nagaland & Sikkim
Documents Required
🔹 Aadhaar Card
🔹 Pan Card
🔹 Video KYC
Process
♦️ Customers fill in the necessary information on the Rupi Credit Card application page.
♦️ Customers click on the “Apply Online” button to proceed.
♦️ Through the Rupicard app, customers set up an FD with the partner bank, enabling a credit limit of 90% of the FD amount.
♦️ Customers receive access to their Rupi Credit Card through the app and start using it for monthly expenses.
♦️ Encourage customers to consistently pay their bills on time to improve their credit scores.
♦️ Enjoy a mobile, paperless journey to get an instantly available and 100% guaranteed credit card.
♦️ You can access and apply for the card from anywhere, at any time.
♦️ Once the customer's credit score improves, other banking products can be applied to them
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Rules to Follow
🔵 Applicant must be an Indian citizen above 18 years.
🔵 No minimum CIBIL score required.
🔵 The Customer has to do a minimum FD of ₹5000.
🔵 Name in bank account and PAN should match.
🔵 Keep Bank IFSC code ready to make FD
🔵 Keep Original PAN Card and Paper & pen ready for Video KYC
🔵 Attempt VKYC between 9 am and 6 pm else book a slot for next day
🔵 The customer should complete the entire signup process to get the card.
🔵 The customer has to apply for a Rupi Credit Card using this link for benefits
🔵 Customer must complete the application on their device. If more than one customer uses the same device to apply, Account gets blocked.
🔵 The customer has to complete the application within 30 days of starting the application process.
🔵 The customer's mobile number should be linked with the Aadhaar card.
🔵 If a customer, who is also an employee of a financial institution, applies for a product from the same institution, Application may not be applied.
🔵 If any kind of fraud is suspected, your account will be deactivated.
Frequently Asked Questions FAQS
1. What exactly is a Rupi FD Credit Card?
-The Rupi FD Credit Card is a secured credit card backed by a Fixed Deposit (FD). Besides functioning like a regular credit card, it allows you to earn up to 7% annual interest on your FD. Moreover, you will receive a credit limit of 90% of your FD amount.
2. How secure is my FD?
-Your FD is completely safe as it's held with a bank approved by the Reserve Bank of India (RBI). The Deposit Insurance and Credit Guarantee Corporation (DICGC) insures your FD up to Rs. 5 lakhs. This means your money is secure no matter what happens to the bank.
3. Are there any joining or annual fees for the Rupi FD Credit Card?
-No, the Rupi FD Credit Card has no joining or annual fees.
4. Will I earn reward points with the Rupi FD Credit Card?
-Yes, with the Rupi FD Credit Card, you will accumulate reward points on every transaction.
Tags
Credit Card