https://www.desidime.com/comments/permalink/10315722
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https://www.desidime.com/comments/permalink/10316154
@PascalJi You will get same rewards on Axis Airtel RuPay variant too + Flat 1% Cashback on UPI spend too.
RuPay is better option
Mastercard never give any card network offers, totally useless.
Time to time RuPay, UPI, Banks or 3rd part apps give offers for RuPay spend or UPI spend.
RuPay is little bit higher rewarding card.
https://www.desidime.com/comments/permalink/10316160
only for axis airtel case (specifically a rare case because it was not expected to be in rupay but suddenly by accident it got in rupay even axis customer care told that)
not for other cards yet:) all good rewarding cards are present mostly in Master and VISA (with NO HOPE TO BE IN RUPAY)
can you tell the same for SBI Cashback and Axis Ace? (which is only in VISA and MASTER i think)
so what you said is perfectly true only for very VERY limited set of "good cards", rupay is good but majority of "good cards" IS VISA AND MASTER which is better because of its network fee VISA and MASTER can give more rewards to end customers than rupay subsidized by NPCI and govt:)
so end result VISA AND MASTER wins Rupay lags
https://www.desidime.com/comments/permalink/10316238
OP ask about Airtel Axis variant card. Why you comment for other cards. 😀
Everyone is not eligible for premium cards, that's why RuPay is the King.
Airtel Axis was not available by accident. The card went live before all implementation was completed.
Network fee is also same for RuPay credit cards.
NPCI/RuPay is 100% private company, same like Visa/mastercard etc.
Govt never subsidized or give any money to RuPay.
NPCI/RuPay is also profitable company, Just company status is "non-profit", same like Visa/mastercard before 2008.
Due to govt pressure, RuPay cannot launch cards with higher rewards. This is because the govt wants RuPay cards to first help Indians—those who represent 90% of our India's population..
These are people who cannot get Visa or Mastercard, or any premium cards.
That’s why RuPay offers more rewards on basic cards, as their main customers are those people right now.
Why OP ask about Airtel Axis card ? When Axis Magnus, Axis Atlas, Axis Burgundy private credit cards are available ?
Because he/she is not eligible for those premium cards.
The govt puts this pressure on RuPay to help Indians first—the true Indians. If they help these people, the whole country will move forward.
For those who don't know, premium cards issued by Visa/Mastercard are maximum 2,000 to 10,000 cards only before banks devalue them.
RuPay's goal is not to please just 10,000 people; it aims to help the real, true Indians.
https://www.desidime.com/comments/permalink/10316291
hmm well i was commenting for downgrade comment:) as rupay is downgrade usually in good credit cards:)
btw Axis ace and sbi cashback ARE NOT PREMIUM CARDS, they are just good cards (so can't compare to magnus and other axis higher premium variants)
also i am not sure how Rupay is not subsidized ??? when Govt is promoting it freely in kisan, jandan and other accounts if you know xD
For "Airtel axis RUPAY", people said in DD that it was mistakenly launched as some said customer care said that:) so i am not sure how to confirm that myself (my bad if i was wrong based on DD)
Well i agree Rupay is Indian technology but that dont mean its for helping THE SO CALLED TRUE INDIANS
i seriously dont know why when its RUPAY PRIVATE BUSINESS its PROMOTED AS IF YOU DONT TOUCH IT.. YOU ARE considered FAKE OR TRUE INDIAN?? ahhh this rupay govt gimmick
ah this nationalism gimmick of govt to PROMOTE THIS "private RUPAY" IS A HEADACHE
Side note : The so called rewards in RUPAY will also be devalued once market is captured by govt which is the Govt wish 
AS HOW GOVT DOES WITH EVERYTHING .. .Eg: recently govt REMOVED some SUBSIDY OF EV after capturing of market (live example, just an example of how govt does things)
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https://www.desidime.com/comments/permalink/10316367
Those are govt scheme cards and govt gives money to banks for govt scheme cards.
NPCI does not get anything from the govt.
Rewards/offers money are earn through MDR and various other services.
Other services like - All ATM network in India is owned by NPCI. If you see any Visa/Mastercard/JCB/Unionpay/Diners club/Discover logo on any Indian ATMs, NPCI charge for that.
Visa/Mastercard etc all card networks use NPCI's NFS ATM network in India.
Many Visa card online/pos transactions are settled by NPCI. NPCI charge for everything.
NPCI/RuPay is profitable company, NPCI give offers from their profits.
NPCI/RuPay also sold its shares to Amazon, Walmart's Phonepe, Paytm, Mobikwik, Pinelabs etc., from which crores of rupees were received and reinvested.
True Indians means.
2 types of Indians available -
1st those people who make a fuss all over social media when petrol prices hike. What will happen to us poor people?
But seriously, dude, if you have a car/bike, how can you be poor?
Then there are the true Indians, who are genuinely poor, don't create a fuss, and actually don't have a car/bike.
The same thing applies to Indians with premium credit cards as well.
And last thing, Indian govt promotes RuPay because it strengthens our INR currency and supports the internationalization of INR, nothing else.
Just like the US govt promotes Visa/Mastercard, even though they are private companies.
Have you ever wondered why you or anyone worldwide love Visa/Mastercard so much? It’s because the US govt promoted and helped them, even though they are private companies, and continues to support them even today. That’s why.
The US govt openly provides funding to all private companies, including Visa and Mastercard in their early days.
https://www.desidime.com/comments/permalink/10316386
First let me break out one thing
THERE IS NO SUCH THING CALLED TRUE OR FAKE INDIANS, its just we should say it as "economically weak" or "just poor class in the economy"... there is nothing called true indians or fake indians lol
All are just people of India i would rather say people of world
grrr this govt sure is pushing this nationalism to moon when WORLD IS A GLOBAL VILLAGE (after globalization)
btw even a poor/ or lower middle class can get car with LOAN with good habit of repayment (easy peasy)
btw even a poor/ or lower middle class can get premium card with GOOD CIBL SCORE (easy peasy)
https://www.desidime.com/comments/permalink/10316414
DG, why do you disagree with A012? RuPay cannot even compete with Chinese payment services in the USA and Europe; it needs government backing. If there is any information or article explaining why they are behind on promotional offers, I would be happy to read it.😃
https://www.desidime.com/comments/permalink/10316420
2 reasons
1) Dont want rupay monopoly: i disagree with Rupay because its promoted like its very good but Govt is trying something out of it, we can't blindly trust govt MONOPOLY, i want every stake holder (like visa and master... etc) to be alive, but govt is trying to kill VISA and MASTER slowly, but india is part of global village (a paradox) and main reason is i dont want india to become another china like thing with payment system
MONOPOLY IS BAD FOR END USERS with no competition
2) Globalization: another thing is i can't understand when people say fake Indians and good Indians or true Indians ... when that same person (who is called fake or true) actually uses services from other part of the world using globalization help... which already makes India, to become part of global world, so this WHOLE CONCEPT OF NATIONALISM IS GIMMICK TO KEEP OUR MIND IN CONTROL, I am just trying to break away from it, dont want to live in a mirage of concepts.
there is no concept called indian or american or african... etc.... in my opinion AFTER GLOBALIZATION where indian govt already allowed FDI and easy exchanges of goods and services.. so we become global village:)
P.S: I can't find any article for Promotional offers but to be frank Kissan account, Jandan account, ... etc all are promotions with only RUPAY cards
https://www.desidime.com/comments/permalink/10316590
True and fake Indians exist.
Edited - "I wouldn't call anyone a fake Indian. You introduced the word 'fake.'
Look, there are true Indians, and then there are those who have no attachment to the country. If they get U.S. or European citizenship tomorrow, they'll move there.
This doesn't mean that they are fake or that they hate India.
I was just clarifying that I didn't mean 'fake.'
True Indians are like the Chinese people, who rarely use foreign products. That's why even in China, locally issued Visa/Mastercard was banned. They recently allowed it, but no one uses it in China."
Here are few examples -
Do you know USA never allow any card networks to locally issue in USA ?
RuPay is new but JCB Card and China UnionPay Card have been available for the last few decades.
USA never allows them.
The propaganda of globalization is spread by the USA itself.
Why doesn’t the USA allow card networks from other countries in its own country?
If nationalism is wrong, then why does the US Govt backed Private Visa/Mastercard companies ?
https://www.desidime.com/comments/permalink/10316604
Edit: opposite of "true Indian"? i took it as "fake Indian" simple
we in india dont allow chinease apps too:) so its not wrong to not allow China UnionPay in USA:) its same and fair ("USA and china fights" same as "india and china fights")
Globalization dont mean WE CAN FORCE OUR STUFFS IN ANOTHER COUNTRY OR TAKE ANOTHER COUNTRY STUFFS FORCEFULLY, globalization means we can use other country stuffs if approved by that country (incase if the original owner of that stuffs wants to share it)
i NEVER SAID NATIONALISM IS WRONG, just nationalism is a GMMIC TO TRAP PEOPLE IN A SOICETY WHEN I WANT TO BE A OPEN SOCIETY and globalization aim is just to do that open society and not closed society
https://www.desidime.com/comments/permalink/10316626
Yes, allowing Visa and Mastercard in India was a mistake.
While I also don't support monopoly, I do want more Indian credit card companies to come up and compete with each other.
The idea is to have all credit card companies be Indian, giving people the choice to pick among them, similar to how the USA operates.
By the way, when @invisible007249 mentioned Chinese Unionpay card, it reminded me:
RuPay and Visa/Mastercard are private companies backed by their respective governments.
But China UnionPay card, on the other hand, is a 100% Chinese government-owned company.
Today, China UnionPay cards are accepted in approximately 80% to 90% of places worldwide, including 100% all major travel destinations.
There are countries and islands that you might not have even heard of where China UnionPay cards have already reached and are even issued locally by some banks.
https://www.desidime.com/comments/permalink/10316641
mhm i agree with non monopoly hence i dont think Visa and Master is mistake yet
but time will tell:)
but time will tell:)
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@PascalJi You will get same rewards on Axis Airtel RuPay variant too + Flat 1% Cashback on UPI spend too.
RuPay is better option
Mastercard never give any card network offers, totally useless.
Time to time RuPay, UPI, Banks or 3rd part apps give offers for RuPay spend or UPI spend.
RuPay is little bit higher rewarding card.
@DEEPANGEORGE
@Sweety9999
only for axis airtel case (specifically a rare case because it was not expected to be in rupay but suddenly by accident it got in rupay even axis customer care told that)
not for other cards yet:) all good rewarding cards are present mostly in Master and VISA (with NO HOPE TO BE IN RUPAY)
can you tell the same for SBI Cashback and Axis Ace? (which is only in VISA and MASTER i think)
so what you said is perfectly true only for very VERY limited set of "good cards", rupay is good but majority of "good cards" IS VISA AND MASTER which is better because of its network fee VISA and MASTER can give more rewards to end customers than rupay subsidized by NPCI and govt:)
so end result VISA AND MASTER wins Rupay lags