What is the difference between MasterCard, Rupay Card and Visa Card

What is the difference between MasterCard, Rupay Card and Visa Card


In today's time, every job is becoming cashless. Everyone is connecting to the Internet and this is a good effort of Digital India where a person is doing more and more of his work online. Today, whether it is about mobile recharge, bill payments (electricity, water, gas bills), online shopping or buying goods from the shop, online payments are being made everywhere or debit or credit cards are being used. More people use the ATM card (debit card) to make their payments. Have you ever noticed that every debit card has a MasterCard, Rupee or Visa card written on it, irrespective of any bank?


What is the difference between MasterCard, Rupay Card and Visa Card
What is the difference between MasterCard, Rupay Card and Visa Card

In this article, you will know what is the difference between Master Card, Rupay Card and Visa card. MasterCard or Visa Card is already there whereas Rupay Card was brought later. Come, first of all, know what is an ATM card.

What is an ATM Card?

It is a payment card that is given by the bank to its customer. Using this, the customer can withdraw money from the ATM, check the account balance or the statement of the account. To get an ATM card, the customer has to apply to his bank branch. The complete form of ATM is an Automated Teller Machine.
First, you had to go to the bank to withdraw money from the bank account, and then you had to fill the form and put it in line, then you used to get the money, but this process caused a lot of loss of time and was a problem for the bank. Due to all these reasons, the ATM card was brought by the bank so that these problems can be overcome.

When you apply for the ATM card, the bank offers you 3 types of ATM cards which are MasterCard, Rupay Card and Visa Card.

What is MasterCard?

MasterCard is an American financial services company. Its main business is to process payment in the bank of the bank issuing the bank and card of the merchant. MasterCard is a foreign payment gateway that provides payment facilities to almost all banks of the world. MasterCard also issues two types of ATM cards, debit cards, and credit cards.

What is the Visa Card?

Visa card is also a payment card, which you can easily pay anytime in the world, which is run by Visa Inc. company. Visa Card offers two types of ATM cards: Debit Card and Credit Card.

What is Rupay Card?

The rupee is an Indian domestic card issued by the National Payment Corporation of India. This is a domestic card that can be used only in India. The rupee card is only available as a debit card.

Earlier there were only MasterCard and Visa cards and this is a foreign (American) company whose processing is too much, so the rupee card was brought by the company on 26 March 2012.

Note: There is not much difference between the Visa Card and MasterCard. Both are international cards so that payment can be made anywhere in the whole world easily.

What is the difference between MasterCard, Rupay Card and Visa card (What is the difference between MasterCard, Rupay Card and Visa card)?


  • RuPay Debit Card is an Indian Domestic Card that can be used only in India, whereas MasterCard and Visa Debit Card can be used in India and any other country in the world.
  • On transaction with RuPay Debit Card, the bank has to pay the processing fee to the payment gateway users, as it remains at the domestic level, the same fee is payable on payment from the MasterCard or Visa Debit Card.
  • To join any foreign payment network such as MasterCard or Visa Debit Card, the bank has to pay a quarterly fee while no fee is required for the rupee card.
  • The rupee card offers only debit cards, while MasterCard and Visa cards offer both debit cards and credit cards. Therefore, there are some limitations to the transaction with rupee cards.
  • In terms of security, RuPay Card is more secure than the International Card (MasterCard and Visa Card) as its transaction is limited to India only.



What is the difference between MasterCard, Rupay Card and Visa Card What is the difference between MasterCard, Rupay Card and Visa Card Reviewed by mayur sharma on November 25, 2019 Rating: 5

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