Secret project | Are you in?

We’re inviting you to build India’s best RuPay credit card.

Do you want it to be lifetime free?
Do you want more cashback? Discount on bills?
Maybe you’d also want a unicorn or a complimentary Lamborghini as a welcome gift.

Well, whatever it is that you want, put it in the doc below :backhand_index_pointing_down:
https://docs.google.com/document/d/1d25Qds5xbKmSVl_FUD6qi9Y35lBkUkBPdMENVBL9P1s/edit?tab=t.0

:raising_hands: Who can participate?

Anyone can join & edit. Everyone’s anonymous.
FYI, folks may delete almost everything on the doc. It’s pure chaos.

:spiral_calendar: Time limit

You’ve got a day to dream up the card of your dreams!

Your time starts NOW.
Go crazy.

@trust_level_0

3 Likes

Folks joined every second.
We lost count. 1000+ pages with complete chaos.

The doc was wiped out, crashed midway.

We had our fun.
Stay tuned for what’s about to come :slight_smile:

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-Lifetime free credit card (zero joining and zero annual fees)

-Zero Forex on international transactions

-5% flat instant digital gold on every transaction

-Visa Infinite/MasterCard World Elite/Rupay Select credit card variant availablity

  • Dual variant availablity like Visa+Rupay or Master+Rupay

  • Metal credit card

  • Rs.1000 joining bonus

  • Rs.2000 referral bonus

  • 20% discount at Amazon, Flipkart, Bigbasket, Swiggy Instamart, Binkit on every transaction

  • 20% discount on Recharges, bill payments, electricity bill payment, water bill payment and utility bill payment,

-Available as both unsecured and secured FD based credit card

-Credit card banking partner HDFC/SBI/IDFC/PNB/Union/BoB

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A complimentary Swift or Altroz is a more practical welcome gift. Most people can use that car. If they don’t want it, it’s much easier to sell it in the secondary market.

(I know; this reply is not adding any value. But I had to tell how impractical Lambos tend to be. :stuck_out_tongue:)

2 Likes

Nope, taking a Mercedes S class or Lambo ANYDAY :)))

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The “Greatest Rupay Card” (Consumer Wishlist)

Core Requirements:

  • Lifetime Free (LTF)
  • No CIBIL Required (FD-Backed / Alternative Scoring)

Exceptional Rewards & Savings:

  • Flat 5-10% Cashback on Various Categories
  • 1.5%-2% Flat Cashback on All Other Spends
  • Welcome Bonus with Low Spend Threshold

Enhanced Convenience & Accessibility:

  • Seamless UPI Integration (Credit on UPI)
  • Widest Domestic Acceptance
  • Contactless Payment (Tap & Pay)
  • Virtual Card Instant Issuance
  • EMI Conversion Options
  • ATM Cash Withdrawal at 0% Interest (Limited Period)

Premium Benefits (Even for entry-level cards):

  • Complimentary Domestic Lounge Access
  • Complimentary Railway Lounge Access
  • Personal Accident and Purchase Protection Insurance
  • Fraud Protection & Zero Liability
  • Exclusive Merchant-Specific Discounts

Transparency & Simplicity:

  • Clear and Simple Fee Structure
  • Intuitive Mobile App for Management
  • Proactive Alerts & Notifications

Additional Desired Features:

  • Flexible Reward Redemption: Points convertible to:
    • Hotels & Flights
    • Cash Credit to Statement
    • Digital Gold
    • Bill Payments
    • Gift Cards (across major brands)
    • Donations to Charities
  • Dynamic Spends Tracker & Budgeting Tools: In-app features for categorizing expenses, setting budgets, and visualizing spending patterns.
  • Personalized Offers & Promotions: AI-driven offers based on spending habits and preferences.
  • Gamified Rewards & Milestones: Earning badges, unlocking higher reward tiers, or receiving bonus points for reaching spending milestones.
  • Virtual Card Customization: Ability to generate multiple virtual cards for different online merchants for enhanced security, with individual spending limits.
  • Financial Wellness Integration: Access to credit score tracking, financial literacy resources, and savings goal features within the app.
  • Priority Customer Service: Dedicated and expedited support channels (e.g., chat, call) for premium cardholders.
  • Global Acceptance via Alliance: Strong tie-ups with international networks (e.g., Discover, JCB) for seamless global usage without exorbitant conversion fees.
  • “Freeze/Unfreeze” Card Option: Instant control over card usage for security.
  • Temporary Limit Increase Option: Ability to request a temporary increase in credit limit for specific large purchases via the app.
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