Do you have a Rupay credit card?
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Regarding Rupay Lifetime Free Credit Card

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Deal_Freak

Hi Dimers! Need to know any ongoing offer to get Rupay credit card as Lifetime Free? If any then there would also be a high chance of credit card approval if applied before this financial year closing.

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Deal Lieutenant Deal Lieutenant
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I think no bank is issuing Rupay card by default as per experiences shared by dimers. they issue few random rupay cards. You can try BOB cards before 31st march as it is LTF . few guys got it converted to rupay by sending email. so gud luck.

@abhishek012

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bohemian wrote:

I think no bank is issuing Rupay card by default as per experiences shared by dimers. they issue few random rupay cards. You can try BOB cards before 31st march as it is LTF . few guys got it converted to rupay by sending email. so gud luck.

@abhishek012

I already have BOB Visa LTF Premier card which was issued 2 months back. I am looking for any new LTF Rupay and also for LTF SBI credit card. 

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bohemian wrote:

I think no bank is issuing Rupay card by default as per experiences shared by dimers. they issue few random rupay cards. You can try BOB cards before 31st march as it is LTF . few guys got it converted to rupay by sending email. so gud luck.

@abhishek012

Yup, BOB RuPay Premier card and RuPay Eazy card is LTF till 31th March, 2022 (if offer not extended).

PSU banks except SBI Card, all other banks easily issue by default LTF RuPay Platinum Credit cards.

Banks like Bank of India, PNB, PNB Patanjali Platinum, Union bank, City Union bank, Indian oversea bank, Bank of Maharastra,Saraswat Bank, Central bank of India, Indian bank and few other PSU banks.

IDBI LIC Cards are also LTF but only apply through LIC branches and LIC policy holders.

Some people also got PNB RuPay Millennial Card (RuPay Select) LTF card.

SBI RuPay Credit cards are spend based annual charges wavier.

FD based Paisabazaar RuPay Select credit card also available (FD start with 2k) - https://www.desidime.com/deals/paisabazaar-fd-b...

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Deal_Freak wrote:

I already have BOB Visa LTF Premier card which was issued 2 months back. I am looking for any new LTF Rupay and also for LTF SBI credit card. 

If anyone want to change BOB Visa Premier to BOB RuPay Premier then follow the process, shared by @mgforce


Hello Dimers,

The process is not straightforward, it needs escalation and a lot of follow-ups. For me it took like 3 weeks to get the conversion done. Now I have RuPay Premier Card!

I got it done by sending first email requesting Visa to RuPay to CRM team. And then every second-day follow-up email wherein got cs.ho and escalations involved. I also didn’t use the card till that time to put pressure and said that if no RuPay will have to cancel the card

First one to CRM

And then form the third day onwards (follow-up) with copy to cs.ho and escalations

[email protected]
[email protected]
[email protected]

Deal Cadet Deal Cadet
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Can someone pls share why people are so eager for Rupay CC?

Deal Cadet Deal Cadet
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jain01010199 wrote:

Can someone pls share why people are so eager for Rupay CC?

Because currently Rupay card offers are out of syllabus for many offline/online shoppers.

Deal Lieutenant Deal Lieutenant
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Deal_Freak wrote:

Because currently Rupay card offers are out of syllabus for many offline/online shoppers.

Any specific offer for RuPay CC that’s worth going for ? @abhishek012

Deal Cadet Deal Cadet
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BlueFlash wrote:

Any specific offer for RuPay CC that’s worth going for ? @abhishek012

Recently was planning to buy a refrigerator from Reliance Digital Store and the only offer on card full swipe was instant discount of 5% upto Rs 1250 on Rupay credit cards. Remaining all offers were on EMI only from different banks. Reliance Digital website had instant discount on HDFC cards but the same offer was not applicable in Reliance Digital Stores.

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demerius2020 wrote:

Isnt that ends on march 2022

Big Basket offer every month renew. Flight/hotel booking offer also renew or switch between Easymytrip or Yatra or both or sometimes no offers for few weeks or months.

Many offers are keep coming and going, no offer is permanent. 😀

Deal Cadet Deal Cadet
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Applied for LTF BoB Premier CC … hoping to get RuPay variant. If not, will fight with them for the RuPay variant as there was no selection given to me while applying.

Will refer tips mentioned by @mgforce smile

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sahil1033 wrote:

Applied for LTF BoB Premier CC … hoping to get RuPay variant. If not, will fight with them for the RuPay variant as there was no selection given to me while applying.

Will refer tips mentioned by @mgforce smile

You can also call and send an email and told them to issue you RuPay Premier CC.

Deal Cadet Deal Cadet
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abhishek012 wrote:

You can also call and send an email and told them to issue you RuPay Premier CC.

Ok, will do so after completing video KYC in the morning.

Infact, will mention this in video KYC itself but chances are narrow those people will be of any help in this.

Interestingly, the whole process was smooth, wondered how efficient Bank of Baroda’s application process was and yet they didn’t have one selection criteria for opting Visa/RuPay.

Seems like on purpose they don’t want to issue RuPay variant cards. Interesting it is, considering BoB being a PSU bank and RuPay being India’s payment platform, they should be issuing RuPay cards be default instead of Visa smile

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abhishek012 wrote:

Yup, BOB RuPay Premier card and RuPay Eazy card is LTF till 31th March, 2022 (if offer not extended).

PSU banks except SBI Card, all other banks easily issue by default LTF RuPay Platinum Credit cards.

Banks like Bank of India, PNB, PNB Patanjali Platinum, Union bank, City Union bank, Indian oversea bank, Bank of Maharastra,Saraswat Bank, Central bank of India, Indian bank and few other PSU banks.

IDBI LIC Cards are also LTF but only apply through LIC branches and LIC policy holders.

Some people also got PNB RuPay Millennial Card (RuPay Select) LTF card.

SBI RuPay Credit cards are spend based annual charges wavier.

FD based Paisabazaar RuPay Select credit card also available (FD start with 2k) - https://www.desidime.com/deals/paisabazaar-fd-b...

On the Bob Website not showing LTF bro. Any way to verify this?

Deal Cadet Deal Cadet
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jain01010199 wrote:

On the Bob Website not showing LTF bro. Any way to verify this?

I verified with cc.. my premier card is Ltf but they issued on visa variant.. wish it they had issue on rupay

Hotshot Hotshot
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hemant_111 wrote:

I verified with cc.. my premier card is Ltf but they issued on visa variant.. wish it they had issue on rupay

Can you let me know how you contacted cc?

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hemant_111 wrote:

I verified with cc.. my premier card is Ltf but they issued on visa variant.. wish it they had issue on rupay

When did you verify? Date?
On website only prime is showing as LTF

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sahil1033 wrote:

Ok, will do so after completing video KYC in the morning.

Infact, will mention this in video KYC itself but chances are narrow those people will be of any help in this.

Interestingly, the whole process was smooth, wondered how efficient Bank of Baroda’s application process was and yet they didn’t have one selection criteria for opting Visa/RuPay.

Seems like on purpose they don’t want to issue RuPay variant cards. Interesting it is, considering BoB being a PSU bank and RuPay being India’s payment platform, they should be issuing RuPay cards be default instead of Visa smile

Most PSU banks issue one day Visa card and one day RuPay card

Or sometimes banks decide to issue cards between branches and locations like Metro city walo ko sirf Visa/mastercard milega or Tier 2 or Tier 3 cities walo ko RuPay.

Sometimes woh log North India and South India me divide kar dete ha.
2015 or 2016 ka mujhe yaad ha SBI Card North walo ko Mastercard CC de raha tha and South India walo ko Visa CC.

Current RuPay Credit card ka situation yeh ha ki Banks kisi Tier 3 or 4 walo ko ya Defence force walo ko RuPay CC pakrata ha.

It will take some time jab Metro Cities or Tier 2 cities walo ko RuPay CC by default sab ko milne lagega.

Aur baat banks ki nahi ha, NPCI ko setup he isliye kiya gaya ha ki first rural area k people ko, Defence forces ko serve kare uske baad, Middle class and uppar middle class walo ko serve kare. Aur Super Premium and Ultra Premium class k Rich and Super Rich customers k liye abhi bohot time lagega.

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hemant_111 wrote:

I verified with cc.. my premier card is Ltf but they issued on visa variant.. wish it they had issue on rupay

Change to BOB RuPay Premier card, already share is above comment, how to change.

Deal Lieutenant Deal Lieutenant
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abhishek012 wrote:

Change to BOB RuPay Premier card, already share is above comment, how to change.

New rupay card

https://cdn0.desidime.com/attachments/photos/755654/medium/Screenshot_2022-03-30_234034.jpg?1648663973

Critic Critic
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Shall I apply for BOB premier now? Will it drop my cibil drastically as I recently got FK Axis?

Deal Cadet Deal Cadet
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jain01010199 wrote:

When did you verify? Date?
On website only prime is showing as LTF

I got this card in last month.. they are offering 3 bob cards as LTF.

Deal Cadet Deal Cadet
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Sins1995 wrote:

Shall I apply for BOB premier now? Will it drop my cibil drastically as I recently got FK Axis?

It should not impact much.. I got 3 cards in 2022 and my cibil hit 7-8 times already in 2022 still my cibil is around 780…

Deal Cadet Deal Cadet
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abhishek012 wrote:

Change to BOB RuPay Premier card, already share is above comment, how to change.

Ya I already used this card… Visa offer are not there like they say u will get 1 ticket free on 1 ticket for 3 times but there is ViSA quota fir everyday and all visa signature cards are eligible for that quota ticket.. m unable to get a single free ticket from my visa credit card

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abhishek012 wrote:

Most PSU banks issue one day Visa card and one day RuPay card

Or sometimes banks decide to issue cards between branches and locations like Metro city walo ko sirf Visa/mastercard milega or Tier 2 or Tier 3 cities walo ko RuPay.

Sometimes woh log North India and South India me divide kar dete ha.
2015 or 2016 ka mujhe yaad ha SBI Card North walo ko Mastercard CC de raha tha and South India walo ko Visa CC.

Current RuPay Credit card ka situation yeh ha ki Banks kisi Tier 3 or 4 walo ko ya Defence force walo ko RuPay CC pakrata ha.

It will take some time jab Metro Cities or Tier 2 cities walo ko RuPay CC by default sab ko milne lagega.

Aur baat banks ki nahi ha, NPCI ko setup he isliye kiya gaya ha ki first rural area k people ko, Defence forces ko serve kare uske baad, Middle class and uppar middle class walo ko serve kare. Aur Super Premium and Ultra Premium class k Rich and Super Rich customers k liye abhi bohot time lagega.

Hmm … but in my opinion, they should’ve asked while applying if one requires Visa/RuPay variant, as simple as that.

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Federal bank RuPay-JCB Signet Credit card unboxing -

https://cdn0.desidime.com/attachments/photos/755658/original/dyre.jpg?1648664886

https://cdn0.desidime.com/attachments/photos/755656/original/tfuru.jpg?1648664804

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abhishek012 wrote:

Federal bank RuPay Signet Credit card unboxing -

https://cdn0.desidime.com/attachments/photos/755658/original/dyre.jpg?1648664886

https://cdn0.desidime.com/attachments/photos/755656/original/tfuru.jpg?1648664804

What’s benefits and annual charges?

Deal Cadet Deal Cadet
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sahil1033 wrote:

Applied for LTF BoB Premier CC … hoping to get RuPay variant. If not, will fight with them for the RuPay variant as there was no selection given to me while applying.

Will refer tips mentioned by @mgforce smile

All the best!

In case of BoB – perseverance pays smile

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