I have my account with Corporation Bank, at the time of acc opening, they had given me a Rupay card. Paying online bills was a pain in the back, transactions got failed multiple times. Let alone shopping from online websites. I gave up and the Branch Manager said, switch to a Visa or Mastercard, just give a written application and surrender your current Rupay card. And life just got easier. I now have a Visa card and it rarely fails me.