Your preferred network
Poll has expired, here are the final results

Which network dominates your credit card portfolio Visa/Master/RuPay?

259°
Deal Cadet
Imperial_Penny

I feel most of you might have more Visa as a network for credit cards compared to Master and RuPay. Which network you have the most? RuPay has JCB and Discover.

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
Finance Mentor Finance Mentor
Link Copied

Visa cards have been in India for decades, which is why Visa has a strong dominance in the Indian market.

Visa got the first-mover advantage.

Mastercard, on the other hand, has never taken the Indian market seriously. It charges higher MDR, and even in the case of debit cards, the transaction failure rate for Mastercard is higher compared to Visa.

Therefore, staying away from Mastercard is better, as it doesn’t even provide many offers.

Now, talking about RuPay, it is still a new player. It hasn’t even been a decade since RuPay launched its credit card business.

But RuPay has got the second-mover advantage.

Always remember, Visa cards are offering so many offers today because RuPay’s market share is increasing.

The more RuPay cards grow, the more Visa’s market share will decline, and Visa will offer even more offers. That’s why everyone should get as many RuPay cards as possible and encourage others to do the same.

Even in bank e-commerce discount offers, if you have two cards—Visa and RuPay, like with banks such as ICICI—always first prefer using the RuPay card. This is because the lower Visa’s transaction volume and value become, the more Visa will introduce network-based offers in the future.

Don’t forget, Visa is a US-based company with a lot of money to lure customers. It will never abandon a market like India.

40 Comments  |  
12 Dimers
  • Sort By
Benevolent Benevolent
Link Copied

Rupay for UPI sunglasses sunglasses sunglasses

Deal Cadet Deal Cadet
Link Copied
If we have more cards better to have more RuPay network to keep them active
Like Magnet Like Magnet
Link Copied

Right now my cc portfolio order : Rupay > Visa > Mstercard.

Deal Cadet Deal Cadet
Link Copied

Mine Visa > RuPay > Master 

Deal Cadet Deal Cadet
Link Copied

Mine are mix grin grin

Rupay - Axis IOCL

Visa - SBI CASHBACK

MasterCard - Axis Airtel

Deal Cadet Deal Cadet
Link Copied
you have only 3 cards?
View 1 more reply
Spearhead Spearhead
Link Copied

Rupay 2,

MasterCard 2,

Visa 3

Deal Lieutenant Deal Lieutenant
Link Copied

VISA>RUPAY>JCB>Master>DinersClub

Deal Cadet Deal Cadet
Link Copied

I have 5 JCB 2 Discover. Every RuPay is either JCB or Discover

View 7 more replies
Finance Mentor Finance Mentor
Link Copied

Visa cards have been in India for decades, which is why Visa has a strong dominance in the Indian market.

Visa got the first-mover advantage.

Mastercard, on the other hand, has never taken the Indian market seriously. It charges higher MDR, and even in the case of debit cards, the transaction failure rate for Mastercard is higher compared to Visa.

Therefore, staying away from Mastercard is better, as it doesn’t even provide many offers.

Now, talking about RuPay, it is still a new player. It hasn’t even been a decade since RuPay launched its credit card business.

But RuPay has got the second-mover advantage.

Always remember, Visa cards are offering so many offers today because RuPay’s market share is increasing.

The more RuPay cards grow, the more Visa’s market share will decline, and Visa will offer even more offers. That’s why everyone should get as many RuPay cards as possible and encourage others to do the same.

Even in bank e-commerce discount offers, if you have two cards—Visa and RuPay, like with banks such as ICICI—always first prefer using the RuPay card. This is because the lower Visa’s transaction volume and value become, the more Visa will introduce network-based offers in the future.

Don’t forget, Visa is a US-based company with a lot of money to lure customers. It will never abandon a market like India.

Deal Cadet Deal Cadet
Link Copied

Please suggest Rupay CC (apart from tata neu), which offer reward irrespective of category. Like wallet load ( in case some trick are found)

View 5 more replies
Finance Ninja Finance Ninja
Link Copied

Rupay> 10

Visa> 9

MasterCard> 4


Commentator Commentator
Link Copied

Screenshot2024-11-15at3.35.16PM

Deal Cadet Deal Cadet
Link Copied
Visa
Finance Mentor Finance Mentor
Link Copied

@Imperial_Penny

RuPay also have domestic cards, Card number start with 508, 60, 81, 82 are RuPay's own card BIN series.

You can also use these RuPay cards on International spend where RuPay global networks available. these card front side written "valid only in India" but now work on International spend.

Here few pics, you will see on other countries -

Singapore -

singaporeupi

UAE -

FboAed6acAAveBu

Fu5lMvKXwAEDvot

RuPay card accept in Dubai ATMs -

rDTjmn5

QW11QSF

Almost all Bhutan's banks and ATMs now accept RuPay card.

Infact 2 Bhutanese banks also locally issue RuPay cards for Bhutan's people.

Nepal SBI Bank ATM and POS also accept all RuPay cards -

1200+ Nepal POS machine and 124 ATMS accept RuPay cards in Nepal.

1704968114520

Deal Cadet Deal Cadet
Link Copied
Which bank cards use this BIN 508, 60, 81, 82 I don't have any of them
View 4 more replies
Mobile Guru Mobile Guru
Link Copied

8 master card variant cc.

3 Visa , 1 rupay & American Express

Deal Cadet Deal Cadet
Link Copied

Can you list those master cards. Not sure why master cards are more than visa.

View 4 more replies
Cool Cool
Link Copied

9 Visa, 4 Rupay & 1 MC

replyuser
Click here to reply
Reply