Buying a Bitcoin and platforms like Guadagno Relmar telling you what to do?

Buying Bitcoin has never been easier in India. With rising investor interest and improved regulations, Indian exchanges like CoinDCX, WazirX, ZebPay, and Unocoin now allow you to purchase Bitcoin using credit cards, through trusted payment gateways.

But is it legal? Are there hidden fees? Here’s a complete guide for Indian users in 2025 on how to buy Bitcoin with a credit card safely and smartly.

Is It Legal to Buy Bitcoin with a Credit Card in India?

Yes, it's legal to buy Bitcoin in India. Cryptocurrencies are regulated as Virtual Digital Assets (VDA) under Indian tax law. You can trade them freely on RBI-compliant exchanges that follow KYC norms. However, cryptocurrencies are not legal tender and should be treated as digital assets.

Tax Alert: Crypto profits are taxed at 30%, and a 1% TDS applies on transactions above ₹10,000 under Section 194S.

Can You Use an Indian Credit Card to Buy Bitcoin?

Yes — many Indian crypto platforms support credit card and debit card payments through Razorpay, MobiKwik, or Simplex/MoonPay integrations. You can use VISA or Mastercard issued in India to fund your crypto purchase.

Pro Tip: Credit card fees are higher than UPI or bank transfers. Always check fee details before confirming the transaction.

Step-by-Step Guide: Buy Bitcoin with a Credit Card (India – 2025)

Step 1: Choose a Trusted Indian Exchange

Here are Indian platforms that support card-based crypto purchases:

Platform	Credit Card Support	Notes
CoinDCX	Yes (via MobiKwik Wallet)	Fastest, trusted by 1Cr+ users
WazirX	Yes (via P2P & MobiKwik)	Linked with Binance
ZebPay	Yes (via bank cards, limited access)	India’s oldest crypto exchange
Unocoin	Yes (credit/debit card via partner gateway)	Easy for beginners

Step 2: Register and Complete KYC

Download the app or visit the official site.
Sign up using your email and phone number.
Complete KYC with your PAN Card, Aadhaar, and bank proof.
Set up 2FA (two-factor authentication) for extra protection.

Step 3: Add Payment Method (Credit Card)

Each platform differs slightly. Here's a general route:

Go to Funds > Add Funds or Buy Crypto section.
Select Credit/Debit Card (via MobiKwik or payment gateway).
Link your VISA/Mastercard (issued in India).
Enter amount and billing details.

Step 4: Choose Bitcoin (BTC)

Go to Buy/Sell or Invest Now.
Choose Bitcoin (BTC).
Enter the INR value or BTC quantity.
Review exchange rate and processing fee.
Confirm and pay.

Your Bitcoin will reflect in your wallet within a few minutes.

Step 5: Store Your Bitcoin Safely

While your BTC is available in the app wallet, it’s best to transfer it to:

A non-custodial wallet (Trust Wallet, MetaMask)
Or a hardware wallet (Ledger, Trezor) if investing large amounts

Pros and Cons of Buying Bitcoin with a Credit Card in India

Pros	Cons
Fast and convenient	Higher fees (1.5%–3%)
Available 24/7	Limited card support by banks
Indian rupee compatible	Card limits may apply
Works on Indian exchanges	Not ideal for high-volume investors

Platforms Comparison (2025)

Exchange	Credit Card	Fees	UPI	INR Deposit
CoinDCX	Yes (via MobiKwik)	~1.75%	Yes	Yes
WazirX	Yes (via MobiKwik)	~2%	Yes	Yes
ZebPay	Yes	~2.25%	Yes	Yes
Unocoin	Yes	Varies by gateway	Yes	Yes

Credit Card Crypto Taxes in India (FY 2025)

Transaction	Tax Implication
Buying BTC	No immediate tax
Selling BTC	30% tax on gains
TDS on Sale	1% deducted above ₹10,000
Holding BTC	No tax until sale

FAQs

Q1. Is buying Bitcoin with a credit card risky?
It’s safe if done on a regulated exchange. Use 2FA and beware of phishing.

Q2. Which Indian banks support crypto transactions?
Many private banks (HDFC, Axis, ICICI) allow indirect card usage via payment wallets. PSU banks are more restrictive.

Q3. Are there monthly credit card limits?
Yes — credit limits apply. RBI mandates careful monitoring of credit card spending on high-risk assets like crypto.

Q4. Can I use Rupay cards?
Most crypto platforms do not support Rupay yet. Use VISA/Mastercard instead.

Final Word

Buying Bitcoin with a credit card in India is simple, safe, and legal—when done via RBI-compliant exchanges like CoinDCX and WazirX. While fees are higher than UPI or bank transfers, card payments are ideal for instant investing.

As always, stay updated on tax rules, practice cybersecurity hygiene, and invest only what you can afford to risk.

With inputs from agencies

Image Source: Multiple agencies