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MasterCard is a leading global payments & technology company that connects consumers, businesses,
merchants, issuers & governments around the world. It is an American multinational financial services
corporation headquartered in the MasterCard International Global Headquarters in Purchase, New York,
United States.

MasterCard offers a variety of products (cards) based on customers’ needs. These include credit
cards, debit cards and prepaid cards that are illustrated in order.

MasterCard
Credit Cards

Credit Card
categories Search by
Credit Type
Bank

 low Interest Excellent

 0% APR Good Credit
 Balance Transfer Fair Credit
 Cash Back No Credit
 Rewards
 Gas Rewards
 Travel & Airline
 Small Business
 No Annual Fee
 No Foreign Transaction Fee
 Students
 Secured
 Chip Cards / EMV

Also, MasterCard offers credit cards with different features and specialties. These types of credit
cards offered by MasterCard are classified as follow:

MasterCard
Credit
Cards

Gold Credit
Card Titanium Platinium World World Elite
Credit Card Credit Card Credit Card Credit Card

Travel Lifestyle Lifestyle Lifestyle

  P

MC Credit Card Gold

$
q

 C

MC Credit Card Titanium:

• Per Card Charges: $ 0.75 billed quarterly

• Card Types:
• Travel
• Lifestyle
 Travel:
• Access to 10+ airport lounges in Middle East
• 20% discount on Careem & 15% on AVIS rides
15% discount on Luxury Serviced Apartments
Lifestyle:
Buy 1 Get 1 (MC App through which Titanium Cardholders can browse best offers with 900+ offers
across 90+ destinations and 600+ merchants).

MC Credit Card Platinum:

• Per Card Charges: $ 1.25 billed quarterly
• Card Types:
• Travel
• Lifestyle
• Insurance

Lifestyle:
• Buy 1 Get 1 (MC App through which Titanium Cardholders can brows best offers with 900+
offers across 90+ destinations and 600+ merchants).
• 20% off shipping by MyUS (delivery service Co.)
Travel:
• Access to 25+ airport lounges in Middle East
• 20% discount on Careem & 15% on AVIS rides
• 15% discount on Luxury Serviced Apartments
 • 30% discount if roundtrip tickets booked via Cleartrip
Insurance:
• Replacement or Compensation in case of theft or damaged of purchased item.
• Covered up to $5,000 over a year
• Note: MC undertakes no responsibility

MC Credit Card World:

• Per Card Charges: $ 11.25 billed quarterly
• Card Types:
• Travel
• Lifestyle
• Insurance

Lifestyle:
• Book 90 m massage treatment & spend its 30 m at 50+ spas in Fairmont, Swissotel & Raffles
Hotels & Resorts
• 20% off shipping by MyUS (delivery service Co.)
• Buy 1 Get 1
• 15% discount at 9+ best shopping villages in Europe
• Book VIP seat at Dubai Opera at Normal Rate

Travel:
• Access to 850+ airport lounges worldwide
• 20% discount on Careem & 15% on AVIS rides
• 15% off in Hertz rental car
• 15% discount on Luxury Serviced Apartments
• In 100+ hotels, Book 2 nights & get 1 free, book the 3rd night & get the 4th free
• 30% discount if roundtrip tickets booked via Cleartrip
Insurance:
• Luggage loss, trip cancellation & flight delays compensations
 • Health Insurance
• Personal accident insurance up to $500K
• Medical emergency up to $500K
Daily in-hospital cash benefit $100

MC Credit Card World Elite

• Per Card Charges: $ 37.50 billed quarterly
• Card Types:
• Travel
• Lifestyle
• Insurance

• The benefits are just too much. Please use the following link for further details:
https://www.mastercard.ae/en-ae/consumers/find-card-products/world-elite/travel.html

MasterCard
Debit Cards

Standard
Debit Card Gold Debit Titanum Platinum World World Elite
Card Debit Card Debit Card Debit Card Debit Card
 MC Standard Debit Card
• Used at millions of merchant locations worldwide
• Used at Online Retailers/hotel booking
• Used to pay monthly bills

MC Titanium Debit Card

Travel:
• Access to 10+ airport lounges in Middle East
• 20% discount on Careem & 15% on AVIS rides
Lifestyle:
• Buy 1 Get 1

Other debit cards are as follow:

Platinum
• Travel
• Life Style
• Insurance
 World World
• Travel • Travel
• Life Style • Life Style
• Insurance • Insurance

Prepaid

Standard
Prepaid Card Prepaid Gift Prepaid Travel
Card Card

MC Prepaid Card – Standard

How Standard Prepaid Card Works:
Get a card: Purchase a card online or at a participating retail store.
Activate and register: Call the phone number on the card packaging to activate. Provide your personal
information, including a government issued ID*.
Load: Add funds to your card when you buy it in the store or add funds online. You can even have your
paycheck deposited directly to the card to load funds that way as well.
Use: Make purchases everywhere MasterCard debit cards are accepted.
Reload: Add funds to your card the same way you loaded it, whenever you run out.
Standard Prepaid
Card

MC Prepaid Card - Gift

How MC Prepaid Gift Card Works:

Get a card: Purchase a card online or at a participating retail store.
Activate: Either in-store at time of purchase or by calling the phone number on the card packaging.
Use: Make purchases everywhere MasterCard is accepted.
Tip: You may want to keep your card or card number handy for returns so any balances are added back to
the card.

Gift Card

MC Prepaid Card - Travel

How MC Travel Card Works:

Get a card: Purchase a card online, at a participating bank, or a foreign exchange house.
Activate and register: Call the phone number on the card packaging to activate and register*.
Load: Add funds to your card in-store at the time of purchase or online.
Use: Make purchases everywhere MasterCard cards are accepted.

Prepaid Travel Card

 RuPay is an Indian domestic card scheme conceived and launched by National Payments
Corporation of India (NPCI). Its mission is to fulfil the Reserve Bank of India’s vision of having
a domestic, open loop and multilateral system of payments in India. RuPay works to enable
electronic payment at all Indian banks and financial institutions. RuPay hopes to give banks new
opportunities to operate in the card payments domain of India. Such domestic cards can help in
customer education and propagate a gradual shift from cash to plastic money as these cards can
be used at ATMs, POS and e-commerce platforms. Finacus provides an end-to-end solution to
the banks for the issuance of RuPay cards. This system covers the entire life cycle activity
starting from registration of the customer to card issuance at the back office and functionality.

RuPay Card vs MasterCard &Visa

RuPay card is India’s answer to the two most dominant market transaction processing players in
the world Visa & MasterCard. India is now the sixth country in the world to have domestic
payment gateway system. Other five countries are US, Japan, China, Singapore and Brazil.

Having a domestic card payment network which helps in electronic money transfers will help
both banks (between 200-250 member banks) and consumers in the following way:

 Processing Fee: Since every transaction through RuPay will take place within India, the banks
will have to pay less service charge to the payment gateway as compared to Visa, MasterCard
and others. For e.g. If a person does a transaction of say Rs. 2,000, then banks will have to pay
around Rs. 2.50 when RuPay is used; whereas for the same transaction amount, Visa or
Mastercard will charge Rs. 3.25. Technically speaking, transactions done through international
cards is processed in foreign country which involves higher charge which helps in generating
profit for Visa/MasterCard. Whereas RuPay transactions would happen domestically, so charge
would be less.
 Faster transactions: Since processing would be down within India, the transactions would be
faster as compared to other cards.
 International Acceptance: As of now RuPay, card doesn’t have international acceptance,
whereas Visa or Mastercard have been in the market since many years and accepted by most of
retailers online or offline such as Amazon, eBay, Walmart and others. Also, National Payments
Corp of India (NPCI) which promotes RuPay card is working hard to spread its acceptance
worldwide by partnering with Discover Financial Services and Japan Credit Bureau (JCB).
Quarterly Fee: In case of Visa and others banks have to pay a quarterly fee which won’t be
required in case of RuPay.
 Card Type: Currently, RuPay also offers credit, debit, and prepaid cards like Visa and
MasterCard.
 Entry Fee: In case of international cards banks have to pay entry fee to be a part of their
network which is not the case with RuPay card i.e. no joining fee for the banks.
 Member Banks: RuPay card is offered by public sector, select private banks, rural and co-
operative banks (total 200-250 member banks); whereas others don’t include such small banks in
their network. Checkout eligibility for getting RuPay card and withdrawal limit.

RuPay Cards type:

It offers Credit cards, debit cards and prepaid cards that are explained in order:

RuPay Credit
Cards

Select Platinum Premium Classic

Features of RuPay credit card:

There would be four versions:

1. Select (Super premium category)

2. Platinum (Premium category)
 3. Premium
4. Classic (This will have low credit limit compared to the other three types)

RuPay Contactless

Objectives of RuPay Contactless

The contactless payments landscape is in its nascence in India. NPCI could sense a
huge undercurrent of excitement for contactless solutions especially in areas such as low
value payments, hence, took appropriate steps. The objective of RuPay Contactless specification
is the first of its kind in the country on many counts.
1. To provide a mechanism for including Low Value Payments (LVPs) within the gambit
of electronic payments.
2. To deliver a product that addresses the concerns of Indian customers taking into consideration the
Indian Banks & Merchants.
3. To motivate Indian customers to switch from cash to electronic payments.

RuPay Contactless Use Cases

RuPay Contactless offers the unique proposition of One Card for all Payments. This card can
be used for transit payments (Bus, Metro, Cab etc.), toll, parking, small value offline
retail payments as well as normal day to day retail payments.
 Key features are as mentioned below:
Key RuPay Contactless Proposition
Functionalities/Particulars

Transaction Type Supports online (contact & contactless) & off-line

(contactless) transactions

Provision for multiple service Multiple service areas (optional to use with mutual
areas concurrence) to support acquirer/operator specific
programs e.g. Passes/Season Tickets/Smart City Specific
application/ Loyalty points etc.

Card usage Same card to be used at ATMs, Merchant establishments &

online (e-commerce) payments in addition to other areas of
contactless payments viz., Toll, parking & other small
value merchant payments.

Card issuance  Can be issued by any member authorized by RBI

  On the platform of Debit/Prepaid/Credit Cards as per the
option of issuing entity

Information storage Requisite information required by acquirer/operators &

Banks can be stored on the card or the back-end as per the
preference and mutual concurrence of participating entities.

Multilevel Wallets Provision of 2 types of wallets to store balance on card –

Issuer controlled Global Wallet and operator/acquirer
controlled local balance.

up the stored value Provision of Topping up the stored value through any
mode of payment viz., Online using card, Internet Banking,
IVR, ATM, Cash at customer service point at the option of
the issuing entity.

Offline Transaction Risk Since the offline transaction is permitted against available
balance, there is minimal risk of any loss either to the bank
or the merchant.

Security Underlying technology i.e. EMV is best available globally

and has been adopted to safeguard against frauds.

Cost of providing contactless
card to the customer
RBI has mandated that effective Feb 01, 2016, all cards
issued by banks in India would be EMV. Therefore, cost of
providing contactless card to the customer will be only
marginal as against steep increase in territories where mag-
stripe ecosystem exists.

Synergy with existing RuPay Contactless specifications can co-exist with the
technology existing technology being used by acquirer/operator and
migration to common standards may be achieved gradually
to suit the convenience of PTO.

RuPay Contactless as NCMC specifications

NPCI is working with Ministry of Urban Development (MoUD), Government of India
for implementation of National Common Mobility Card (NCMC) program across the country
with the vision of ‘One Card for all Payments (Transit as well as Retail)’. This program
envisages the development of a cashless fare payment mechanism, which will work across all the
 public transport systems in the country such as metros, buses, cabs etc.; leading to establishment
of an Interoperable Fare Management System (IFMS).
This would provide seamless connectivity to passengers across all transit systems in the
country bringing convenience and ease of payment for them. Moreover, this card can be used for
day to day retail payments as well. This will also lead to huge economies of scale for
the Acquirer/Operators due to removal of duplicity of efforts as well as standardization
across issuance, acceptance, networking interfaces, clearing, settlement and dispute
management systems.
RuPay Contactless specification creates the synergy with the vision of MoUD and offers the
solution for NCMC program.

RuPay Platinum Debit Card

 RuPay offers debit card with the following features:.

Welcome Benefits
Gift Voucher from Croma worth Rs.500 or avail 15% Gift Voucher from Apollo Pharmacy. *
 Complimentary Lounge Program
Make your travel experience hassle free with access to 30+ domestic lounges two times per
calendar quarter per card.

Cash back on Utility Bill Payments

Earn 5% cashback on your utility bill payments capped at Rs.50 per month per card.
 Comprehensive Insurance Cover up to Rs.2 Lakhs
Keep yourself and your family safe with Personal Accident Insurance
and Permanent Total Disability cover up to Rs.2 Lakhs.

Exclusive Merchant Offers

Celebrate round the year with exclusive merchant offers (POS and Ecom) available on your
RuPay Platinum Debit Card.
 24/7 Concierge Services
Avail 24/7 host of referral services from travel assistance to hotel reservations to Consultancy
services.

RuPay Prepaid Card

Customers can rely on a convenient and hassle-free payment solution that was specifically made
to fulfil their varied needs. They can use this range of cards to gift their loved ones, or for paying
employee salaries or even managing their general expenses.

The RuPay Prepaid Cards were launched in 2013 with the objective to offer a service to the
unbanked audience and to act as an extension to the card market. RuPay Prepaid Cards can be
issued through co-branding arrangements with banks as physical, virtual cards and mobile
wallets.

Gift Card
An ideal gifting solution for everyone
 Give the choice to your loved ones to buy a gift of their choice.
 Pre-loaded cards accepted across Merchants outlets and online portals.
 Seamless process of availing gift card.
 Payroll Card
Manage your employee salaries in a convenient and hassle free manner
 Perfect substitute to Cheques/Cash for making your employee salaries.
 Payroll cards can be used not only for Cash withdrawal from ATM but also at Merchant outlets and online
portals.
 Effective way to manage employee salaries and reduce costs involved in handling cash and cheques.

Student Card
 An easy, secure and convenient way to process scholarships and fee payments.
 Maintains a distinct spend wallets with access to parents to monitor child’s spends.
 Virtual Card
Pay Safe!
 Create Now, Buy Now, Pay Now, Close Now.
 Quick registration and instant access to card.

RuPay Global
At NPCI, we wish to empower every Indian citizen with a world class modern and safe payment
solution. With that goal driving our actions, it led us to launch the RuPay Global Card.
To prove our commitment and bring the best to our customers, we’ve been associated with an
international partner - Discover Financial Services, since March 2012. The global alliance has led
us to offer a card that is backed by state-of-the-art technology that is secure, robust, scalable,
simple and cost-effective. Our initiative has opened doors and marked our entry into the Indian
sector of premium cards.
By way of this prestigious association, we offer our customers great value as Discover brings along
a global acceptance footprint. It is a mutually beneficial agreement as Discover and Diners Card
holders also enjoy the convenience of availing services of over 2 lakh ATMs that are operational
under the NFS network and over 1.3 million PoS terminals across India.
In the efforts to offer continued convenience and quality customer service, we have strengthened
our network capabilities by associating ourselves with trusted industry players such as JCB
International Co. Ltd. and UnionPay International Co. Ltd.
We currently issue the RuPay Global Card in two exhaustive variants - RuPay Global Classic Debit
Card and RuPay Global Platinum Debit Card. Both these variants are accepted with not just
Discover, Diners Club and Pulse, but also at over 40.1 million POS locations and over 1.88 million
ATM locations in 185 countries and territories worldwide!

Please move your mouse pointer on your travel region. You can use your RuPay Global card
wherever you see the logos that appear:

Bharat QR

The growing usage of smartphones and internet has led to the payments industry in India
undergoing and experiencing a sharp surge in QR Code-based payment solutions. Banks and
third-party technology providers have started providing their own variants of mobile wallets that
users can download and use through their smartphones to make as well as receive payments.
This QR Code-based interface has initiated a new way for merchants and customers to exchange
funds using mobile phones, making it a preferred channel to expedite and grow electronic
payments. Merchants have used it to accept digital payments, as not all have the resources to
mandate payments through POS card swipe EDC terminals.
In an attempt to encourage more and more people to use less cash and make digital payments
instead, the RBI authorized a few card payment networks to implement an interoperable solution
for such QR Code operated mechanisms. As a result, Visa, MasterCard and NPCI partnered to
launch Bharat QR – a QR Code-based digital payment mechanism that merchant establishments,
eCommerce and mCommerce websites are already using.