DC: Rupay platinum vs Visa Platinum

[RM95]

Is there any advantage of a Rupay platinum debit card over a Visa platinum variant?
I see a lot of posts asking about Rupay platinum. Isn't Visa supposed to be superior to Rupay?

 

[hakunamatata]

Rupay platinum has an ongoing offer where once a month on fridays you get 20% discount upto Rs. 100 on loading amazon pay.

 

[Chaitanya-a]

Visa is superior in terms of services but Rupay is providing so many offers to increase their customer base. You can get higher number of lounge access as well on Rupay platinum over Visa Platinum.

 

[TheMentalist]

@Abhishek012

 

[FinoGuy]

@Abhishek012

Invited as chief guest to this thread

 

[Abhishek012]

Visa is superior in terms of services but Rupay is providing so many offers to increase their customer base. You can get higher number of lounge access as well on Rupay platinum over Visa Platinum.

Visa is superior in terms of services ? In which purpose are you talking about ?

If you are talking about International acceptance then yes but you should also know that 99% of people use cards for domestic transactions or some International travelers also have multiple cards.

Now if you are talk about transactions failure, refund etc then use HDFC, Axis, Yes bank, ICICI, SBI bank RuPay debit cards (except JCB variant because JCB is new). You will get faster refund and smooth transaction experience or by chance transaction failed then faster refund.

RuPay card now also work with Banks to enabled UDIR system for RuPay card transactions. You will get instant refund on failed transactions or banks, payment gateways, merchant and NPCI will easily track your refund/failed transactions, same like UPI UDIR system.

Also note - some merchants like Amazon also dnt have enough server to handle RuPay card transactions on friday offers because main problem is that normal days people dnt use RuPay card much but use visa/mastercards but when any RuPay card offer comes, some merchants or payment gateways can't handle the traffic (these merchant use more payment gateways to handle Visa/mastercard traffic but once RuPay card user base will increase merchants will also add more payment gateways to handle RuPay card traffic. Example like Flipkart and Snapdeal use multiple payment gateways to handle RuPay card transactions compare with Amazon use only 1 payment gateway for RuPay card transaction).

lounge access service for RuPay debit cards -

If you visit any lounge access for example Delhi airport, You will see a long line and everyone has RuPay Platinum debit cards with them. That's why many banks also disabled lounge access benefit on RuPay Platinum debit cards or disabled for next quarter because lounge bill is paid by banks and many customers are always complaining that RuPay lounge benefit is useless because they are getting transaction declined error. But the truth behind it's something else, Banks dnt have unlimited money to spend on lounge benefit for RuPay customers. Similarly, Amazon doesn't have enough money to spend on payment gateway, that too only for one day.

It's all matter of time. Once RuPay card user base will increase, everything will shortout.

 

[Chaitanya-a]

Visa is superior in terms of services ? In which purpose are you talking about ?

If you are talking about International acceptance then yes but you should also know that 99% of people use cards for domestic transactions or some International travelers also have multiple cards.

Now if you are talk about transactions failure, refund etc then use HDFC, Axis, Yes bank, ICICI, SBI bank RuPay debit cards (except JCB variant because JCB is new). You will get faster refund and smooth transaction experience or by chance transaction failed then faster refund.

RuPay card now also work with Banks to enabled UDIR system for RuPay card transactions. You will get instant refund on failed transactions or banks, payment gateways, merchant and NPCI will easily track your refund/failed transactions, same like UPI UDIR system.

Also note - some merchants like Amazon also dnt have enough server to handle RuPay card transactions on friday offers because main problem is that normal days people dnt use RuPay card much but use visa/mastercards but when any RuPay card offer comes, some merchants or payment gateways can't handle the traffic (these merchant use more payment gateways to handle Visa/mastercard traffic but once RuPay card user base will increase merchants will also add more payment gateways to handle RuPay card traffic. Example like Flipkart and Snapdeal use multiple payment gateways to handle RuPay card transactions compare with Amazon use only 1 payment gateway for RuPay card transaction).

lounge access service for RuPay debit cards -

If you visit any lounge access for example Delhi airport, You will see a long line and everyone has RuPay Platinum debit cards with them. That's why many banks also disabled lounge access benefit on RuPay Platinum debit cards or disabled for next quarter because lounge bill is paid by banks and many customers are always complaining that RuPay lounge benefit is useless because they are getting transaction declined error. But the truth behind it's something else, Banks dnt have unlimited money to spend on lounge benefit for RuPay customers. Similarly, Amazon doesn't have enough money to spend on payment gateway, that too only for one day.

It's all matter of time. Once RuPay card user base will increase, everything will shortout.

I've tried HDFC & SBI Rupay DCs in various merchant sites. 80% of the payments were failed or any error occurred while doing the transaction. That is why I haven't chosen any CC in Rupay platform.

 

[Abhishek012]

I've tried HDFC & SBI Rupay DCs in various merchant sites. 80% of the payments were failed or any error occurred while doing the transaction. That is why I haven't chosen any CC in Rupay platform.

Impossbile, You maybe tried on google, netflix, youtube, spotify, microsoft like websites. RuPay currently not accepted on these International websites.

HDFC and SBI RuPay debit cards works everywhere in India without any error or transaction failure.

SBI also use On-US transactions on many websites. On-US means SBI bypass RuPay/Visa/mastercard card network and use SBI's own internal network to complete the transaction.

Note - If you are using RuPay JCB variant SBI debit card then ofcourse you are right RuPay JCB card is currently not accepted many websites.

Last thing, HDFC and SBI also use their own technology service provider (TSP) to complete the transaction that's why HDFC and SBI provide best transaction experience, Does matter you used RuPay/Visa/mastercard debit cards.

You if haven't choose any RuPay credit cards then its your loss, i am not saying to replace all your cards to RuPay but alteast use SBI or HDFC RuPay credit cards too. You can also use linked HDFC RuPay Regalia credit card to UPI and also earn rewards points on other banks credit card repayment - https://www.technofino.in/community...credit-cards-bill-repayment-free-of-cost.5435