I have been using 2 RuPay debit cards and both of them are useless. I am calling it useless because a debit card should work with 0 errors but this card is worst. When I was paying online my money was deducted but transaction was failed, however money was refunded by bank but it is waste of time and also confusing at times. There is no Customer Service I ever received by them. Well I got it for free so Rates and Charges are null. I am some what satisfied with it but not fully satistied. Disappointed. I will not recommend this card to a peraon with regular online transactions.