0 hidden charges. 0 forex

What is the Difference Between a RuPay Debit Card and a VISA Debit Card?

Reviewed by
Created on
June 23, 2023


What’s Inside

RuPay is a payment service system that was created by the National Payments Corporation of India in 2014. It was established to fulfil the Regulatory Authority’s goal of establishing a domestic payment system that is open and multilateral.

While RuPay credit cards were recently in the news for being the first issuer to be able to make credit card payments through the UPI network, this article will be covering RuPay's debit cards and comparing them to VISA, which is arguably the largest issuer of debit cards in India.

Differences between Visa and RuPay cards

Below are some important factors that differentiate RuPay cards from Visa cards and their associated benefits:


RuPay Debit Card

Visa Debit Card



Domestic and International

Processing Charges/Fee



Fee Structure

No entry or quarterly fees

Banks pay an entry fee and a quarterly fee

Transaction Speed

Exceptional transaction speed, especially for domestic use and no data or internet connection required

Slightly longer processing speed, approval made from outside the country and requires an internet or data connection

Customer Base

Popular in India across emerging sectors

Popular option for domestic and overseas transactions with worldwide access

Note: There’s a RuPay International card that’s enabled for international transactions outside India.


RuPay and Visa debit cards have different benefits and features. RuPay cards are currently great for domestic use and have lower processing fees, while Visa cards are good for international transactions and have a larger customer base. Which one to choose depends on your needs. Before you choose a card, you should consider your requirements. However, RuPay has given Indians a good alternative to international payment systems like Visa. As India's digital economy grows, we can expect more people to use both RuPay and Visa.

Get the Visa card with zero forex charges

The Fi-Federal co-branded debit card offers you several features, including zero Forex charges on select plans, the ability to make contactless payments using the 'Tap and Pay' feature, and transaction limits that you can set from the app. In addition, the card provides you with a range of offers from top brands in food, shopping, travel, and entertainment. You can also easily freeze or unfreeze your card from the app, making it a convenient option for those who may have trouble sticking to a budget.

Frequently Asked Questions

1. Is RuPay debit card accepted internationally?

RuPay debit cards are typically only used within India because they are domestic cards. However, with RuPay's international card, users can make transactions at points of sale, online shops, and ATMs outside of India.

2. Which debit card is better RuPay or Visa?

Deciding between a RuPay card and a Visa card depends on how you use it. It's a good idea to think about your needs before you pick a card.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
Share this article
Copied Link!
What is the Difference Between a RuPay Debit Card and a VISA Debit Card?


View similar articles in
Get the Fi app