Should you use a credit card or UPI for payment?
Which payment option should you use to benefit yourself? Let's find out:
1. Bill payments -
Pay all your monthly bills such as phone bills, internet bills, and electricity bills using a credit card. You will benefit from paying them on time as it will improve your CIBIL score.
2. Adding money to wallet -
If you want to add money to a payment wallet, use UPI. If you use a credit card, you will be charged an additional 3% fee. So, avoid making this mistake.
3. Online purchases -
If you want to make a big online purchase, use a credit card. Take advantage of the interest-free credit period. You may also receive discounts, cashback, and reward points.
4. Cash withdrawal -
If you need to withdraw cash, whether to use a credit card or UPI is a trick question! Always use your debit card, my friend. There is no scope for withdrawing cash through UPI, and it will be quite expensive to withdraw cash using a credit card.
Which payment option do you prefer - UPI or credit card? Let us know in the comments.
#CreditCardforBeginners
Credit Cards vs Debit Cards
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Want a credit card too? We've got you covered. Rupicard is a credit card against a Fixed Deposit. We guarantee you will receive Rupicard credit card.
- No Joining Fees
- No Annual Fees
- No Hidden Charges.

Here are the biggest advantages of choosing Rupicard:
1. No credit score? No problem. You will still get Rupicard if you book a Fixed Deposit with us.
2. Start your credit journey. Build and improve your credit score over time.
2. Earn good interest rates on your Fixed Deposit as well as enjoy the perks of having a credit card.
3. Get cashback rewards on your credit card spends.
4. Enjoy a 45-day free credit limit. Pay your bills after the credit period.

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