UPI Users Can Now Avail Credit Along With Cashback Benefits - Details Inside

India’s payment journey has moved fast, from cash and cheques to cards, and then to the UPI wave that made instant, cashless transactions a daily habit. Now, the digital revolution has taken an even bigger leap. The newest upgrade makes UPI not just quick and convenient, but financially smarter by giving users the power of credit with every scan.

A New Way to Pay: Scan Now, Pay Later

Imagine buying groceries, medicines, or even monthly essentials and paying via UPI, yet not a single rupee leaves your bank account. Instead, the transaction is billed to your credit card. You still get cashback, rewards, and even the option to turn big purchases into EMIs.

This effortless experience is becoming popular thanks to platforms like Kiwi, which allow users to link credit cards with UPI in minutes.

Why Credit-on-UPI Is a Game Changer

UPI payments are fast, but they come with one major limitation, your bank balance. If the account is low, the payment simply fails. Also, UPI requires instant full payment, whether the bill is ₹10 or ₹50,000.

Linking a credit card to UPI solves both problems.

• No balance issues
• Payments can be repaid later
• Big spends can be converted to EMIs
• Rewards and cashback remain intact

It’s the perfect blend of convenience and flexibility.

RuPay Credit Cards Make It Even Better

RuPay credit cards have unlocked the full potential of credit-on-UPI.
You can:

• Pay anywhere using just a UPI scan
• Earn cashback and reward points
• Skip carrying a physical card
• Convert large expenses into EMIs
• Enjoy transparent, trackable payments

Whether at a local shop or an online platform, UPI via RuPay credit cards works almost everywhere.

Kiwi App: Credit-on-UPI Made Simple

Kiwi has simplified the entire process. Users can link RuPay credit cards from partner banks to UPI in just a few taps. Every payment made through Kiwi earns a minimum of 1.5% cashback, directly credited to your bank account with no strings attached.

All RuPay-UPI credit cards available on the app are completely free, making credit access easier than ever.

The New Spending Culture of Digital India

This smooth merging of UPI and credit is quietly reshaping India’s payment habits. People who once depended only on cash or debit cards are now confidently using credit, more responsibly and more smartly. Platforms like Kiwi are not just enabling payments; they are helping millions become credit-aware.

As India steps into its next phase of digital evolution, credit-on-UPI is emerging as a powerful catalyst, making transactions faster, smarter, and more rewarding than ever.