If you have been looking for a credit card that works the way you already pay through Unified Payments Interface (UPI), the Kotak League RuPay Credit Card deserves a closer look. A joining gift of reward points worth Rs. 500 is credited to your account post realisation of the joining fee. This gives you a head start on rewards from day one. Plus, it brings the ability to tap into the credit line directly from your preferred UPI app.

Here is a closer look at what this card offers and how to make the most of it.

What Makes RuPay Credit Cards Different

RuPay is India's domestic card network, developed and managed by the National Payments Corporation of India (NPCI). Unlike international networks, RuPay credit cards can be directly linked to UPI apps. It is giving cardholders the ability to pay at any UPI-enabled QR code using their credit limit, not just their bank balance.

The numbers reflect how quickly this has grown. RuPay credit on UPI recorded over 750 million transactions worth approximately ₹63,825 crore by October in the financial year 2024-25, compared to around 362 million transactions valued at ₹33,439 crore in the full year prior. By June 2024, RuPay accounted for roughly half of all new credit cards issued in India.

The Kotak League RuPay Credit Card sits right at the centre of this shift, card designed specifically for UPI-first users.

Key Features at a Glance

Here’s a detailed explanation of the perks:

Joining Gift: New cardholders receive reward points worth Rs. 500, credited post realization of the joining fee. This benefit is applicable to the League joining fee variant only.

League Priority Assist: The League Platinum RuPay Card comes with a dedicated priority callback feature. Simply SMS "KASSIST" to 5676788 and a Kotak........

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