I’m using this RuPay card from my union bank of India for more than a year now, and from this card you can withdraw your money from ATM that’s all, if you love shopping online or if you go to shop where they will have those credit card swipping machine you can’t use this card there also it’s very disappointing and their is a chip on the card if you keep it without any protection to it if accidentally that scratched your card will show invalid at ATM’s also this happened with me that I again had to applied for new card from my Bank, yeah it has one positive thing also compared to other credit cards this card will charge you less, as I love shopping online and I had some bad experiences with this card I’m not very much satisfied with it.