What is RuPay Debit Card

As a debit card holder, you must have heard about RuPay cards. Have you ever wondered what they are? If you want to know what ‘RuPay card means’, read on!

If you were searching for ‘RuPay card means’, the first thing you should know is that the name RuPay was derived from ‘Rupees and Payments’. 

RuPay debit card is an initiative of the NPCI (National Payments Corporation of India). Under the Payment and Settlement Systems Act, 2007, the RBI (Reserve Bank of India) and IBA (Indian Banks Association) went on to create a secure electronic payment system in India.

It fulfills RBI’s vision of cashless payment in India, and the first-of-its-kind Global card payment network of India. It is widely accepted across ATMs, POS devices, and websites across the country. 

Types of RuPay Debit Cards

While searching for ‘RuPay card meaning’, you must have come across various types of RuPay debit cards. Here is a list of the types of debit cards that RuPay offers - 

You can make payments to most offline and online merchants using this card and also enjoy a variety of offers on select brands.

This card is the medium end product which can offer you exclusive and convenient benefits. You can get discounts from your favorite merchants and also cash backs on utility bill payments. 

This is an exclusive card that can get you offers to top tier merchant services. You can get access to the most sought after gyms and wellness centers. 

Benefits of RuPay Debit Cards

RuPay debit cards are easy to use and save you from the hassle of carrying multiple cards. Other benefits include -

How to Apply for a RuPay Debit Card?

Now that you understand RuPay card meaning and what is RuPay debit card, you might be interested in applying for one. To apply for a RuPay debit card, you just need to contact the nearest bank branch that issues RuPay debit cards. 

Eligibility Criteria for a RuPay Debit Card

The following are the eligibility criteria for applying for a RuPay debit card - 

Once this is done, you can simply choose the RuPay debit card of your choice and request for an application form for it. On filling the form and submitting it to the bank branch, you will have successfully completed the application for a card. Your card will be delivered to your home or the bank branch as per your convenience. 

Which Banks Issue RuPay Debit Cards?

Currently over 1,100 banks issue RuPay debit cards including public sector banks, private banks, cooperative banks, and regional rural banks. Some of the well known banks that issue RuPay cards are - 


With the emergence of plastic money, having a debit card is necessary. In such cases, a RuPay debit card can come handy.

You can make payments directly using your card at online and offline merchants, and also withdraw money from ATMs all over the country. Apart from this, you can also enjoy a variety of benefits, offers, and discounts as a RuPay debit card holder. 

So, opt for a RuPay debit card, and enjoy hassle-free transactions.

FAQs Related to RuPay Debit Card

Your RuPay debit card is linked to your bank account and can be used for - 

  • Withdrawing cash from the ATM
  • Online purchases
  • Shopping from offline merchants 

You can use your RuPay Global cards for international payments. You can get details related to this on your card itself.

In most cases, a RuPay debit card takes around 7 working days to be delivered.

Yes, you can get lounge access on payment on Rs.2 from your RuPay Platinum and Select debit cards. You can get 2 complimentary visits per quarter for domestic travel, and 2 per year for international travel in the participating lounges.

RuPay contactless debit cards allow you to shop and use your card with increased ease as you don’t have to punch in your PIN each time you make a purchase. Note that entering of PIN, however, is mandatory for transactions above Rs.5,000.


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