About
RuPay is India's domestic card payment network, run by the National Payments Corporation of India (NPCI), which was incorporated in 2008 and also operates UPI. Indian banks issue RuPay debit and credit cards, accepted at ATMs, POS terminals and e-commerce sites across India, and RuPay is the preferred card for the government's Pradhan Mantri Jan Dhan Yojana accounts. What sets it apart is that RuPay credit cards can also be used for UPI payments: NPCI said in February 2025 that RuPay carried almost 16% of India's credit card spending, about half of it via UPI. Abroad, RuPay cards are accepted on partner networks including Discover, Diners Club, JCB and UnionPay.
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