Rupay vs Visa vs Mastercard Credit and Debit Cards: Know the Differences

Everyone uses a debit or a credit card, but have you ever noticed that each card is different and carries a different name like a RuPay, Master Card, Visa or American Express? What are these? Read on to know the difference between these cards.

A lot of people in India use a credit or a debit card issued by the banks that carry the logo of Visa, MasterCard or American Express. Do you know the significance and difference of these cards? Do you know how a visa debit card is different for a RuPay debit card? Before we get into the difference, let us first understand what these cards are.

The Visa and the MasterCard are the most popular forms of cards in India. Both Visa and MasterCard are a payment gateway that supports the payment facility to almost all the major banks from around the world. There is no major difference between a Visa and a MasterCard; they both have similar functioning and work as an ATM card. However, you must know that neither the Visa credit card nor the American Express credit card provides any credit to the users; they simply support payments.

In an attempt to reduce the dependence on the foreign payment gateway and promote the Indian payment network, the government of India introduced the RuPay cards. Today, a lot of Indian banks issue RuPay credit card, and it has been immensely popular among the Indian credit card users. Let us look at the differences between these cards:

Factors	RuPay	American Express (Amex)	MasterCard	Visa Debit
Operating cost	Lower service charges in India	Higher international service charges	Moderate	Moderate
Data processing	Processed and verified in India	Sent overseas for processing	Sent overseas for processing	Sent overseas for processing
Bank fees	No fees for joining the network	Quarterly fee for joining foreign networks	Quarterly fee for joining foreign networks	Quarterly fee for joining foreign networks
Security	More secure within India, lower risk of data theft	Slightly higher risk due to international processing	Slightly higher risk due to international processing	Slightly higher risk due to international processing

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