When you go to have a credit card in India, there are two major types of cards in the market. RuPay and Visa are the two most popular and dominant players there. Although both are effective, they are different in nature. 

In this blog, we will try to understand the differences between them and learn about the benefits we can have, along with other details. Consultation with an experienced financial expert will help you learn about DSA full form and other details of credit cards. 

Learn the Basics of Each Credit Card in India 

Let’s start with understanding the absolute basics of each credit card to have a better idea about them-

1. RuPay Credit Cards 

Rupay is India’s own payment system, launched by the National Payment Corporation of India in 2012. The Indian government is trying to promote this card with multiple financial initiatives. As the transaction fees are nominal, people love to use them. Although launched in India, it already has a global presence, offering financial services in partnership with other networks. 

2. Visa Credit Cards 

Visa Credit cards, on the other hand, offer a larger payment network. You can use these cards in almost 200 countries around the world. While choosing a Visa credit card, you will get multiple options like Classic, Gold, and Signature benefits. When you have a Visa card, you can use it anywhere in the world and get lucrative reward points and facilities. 

What are the Factors That We Need to Check Before Making the Decision? 

As we have talked about the basics of each credit card, it is time to learn about a few factors that one should check before making the final call. 

1. Each card comes with different credit limits and eligibility criteria. Depending on your credit score, banks will make your financial profile. If this is the first time you are getting a credit card, you should go for a RuPay Credit card. 
2. Checking features like EMV chips and protection against fraud are basic for both credit cards. 
3. RuPay cards are popular and accepted widely in this country but Visa cards have more global presence. 
4. You must compare the charges of each card to have an idea of the cost you need to bear. 
5. Finally, learn the accurate spending pattern of yourself and then decide which card would be apt for you. 

Which One Should We Choose?

It is hard to tell accurately. But we can help you with some facts- 

1. The domestic appeal is with RuPay cards, and global acceptance is in favor of Visa credit cards. 
2. First times love to use Rupay cards but more seasoned ones should go for Visa Cards. 
3. The fees are also high for Visa credit cards. 
4. Both cards will give you exciting offers, Visa with a little more. 

 Check the DSA partner app and get help regarding important financial matters like loans and credit cards. 

Benefits We Can Expect from Each Card 

We have expressed our opinion so far. Here, we will call out the exact benefits you can have from each card in India-

1. RuPay Credit Cards 

When you have chosen a RuPay credit card, prepare for the following items- 

1. The processing fee will be low, and you can use the card efficiently in India. 
2. The government is trying hard to introduce credit cards to more people with the help of these cards. 
3. When you are booking rail tickets or buying fuel, the RuPay card will offer exciting discounts. 
4. The NPCI token system has improved the security system massively. 

2. Visa Credit Cards 

After choosing a Visa credit card, you will have the following benefits- 

1. Visa credit cards are known for exclusive offers on fine dining, shopping and other spending. 
2. Get more reward points and cashback from your spending. 
3. Don’t miss out on free airport lounge access and credit points. 
4. Your card will be accepted in almost all the countries in the world. 

How to Make the Most of These Credit Cards? 

Try to follow a few important tips for making the most of your credit cards- 

1. Compare different credit card options first. 
2. Try to pay your bills on time always. 
3. Check your credit score and try to improve. 
4. Enable bill alert system for safety. 

Now, you are good to choose any credit card, and you will have exciting benefits.