Imagine walking into a store, scanning a UPI code to pay within seconds, and receiving cashback at the same time.
Sounds like the perfect deal, right? With the Kiwi app, this is now a reality.
You not only enjoy instant UPI payments but also get the added benefits of credit and EMI options.
The New Twist in India’s Digital Payment Journey
India’s payment system has transformed dramatically over the years.
From cash and cheques to debit and credit cards, and now UPI—every step has made transactions easier and faster.
The introduction of UPI QR codes changed everything.
A simple scan could complete a payment in seconds.
But the latest upgrade takes convenience to the next level: making UPI payments directly through your credit card.
Think of this scenario: you buy groceries, scan to pay, and the amount doesn’t come out of your savings account.
Instead, it is charged to your credit card.
You also earn cashback and even convert large purchases into EMIs.
Platforms like Kiwi have made this seamless by allowing users to connect RuPay credit cards to UPI through their app.
Why Paying Through Credit on UPI Is a Game-Changer
Usually, when you scan a UPI code, the money is deducted directly from your bank account.
If your balance is low, the payment simply won’t go through. Plus, big purchases have to be paid in full instantly.
Linking your credit card with UPI changes all of this.
Now, you can scan and pay even when your bank balance is low, spread large payments over EMIs, and enjoy extra benefits.
Here are the key advantages of using a RuPay Credit Card on UPI:
Fast and simple payments: Scan and pay instantly without carrying your physical card.
Cashback and rewards: Earn cashback and reward points on every UPI payment.
Pay later flexibility: Convert heavy bills into EMIs and reduce financial stress.
Accepted everywhere: Works at local shops and online platforms without restrictions.
Kiwi: Bringing Credit and UPI Together
Kiwi makes the process effortless. Just link your RuPay credit card from a partner bank through the Kiwi app.
Once connected, you can enjoy quick payments, EMI options, and attractive cashback on every UPI transaction.
UPI payments made via Kiwi earn a minimum of 1.5% cashback, which goes directly to your bank account without conditions or complicated rules.
Even better, the RuPay credit card for UPI available through Kiwi is free for life.
This makes Kiwi a powerful tool for modern shoppers who want convenience, savings, and smarter credit usage—all in one place.
Building a More Credit-Smart India
As more people start using credit through UPI, India’s financial landscape is evolving.
For those who never used credit cards before, this is a simple, transparent way to step into the world of credit.
Platforms like Kiwi are not only boosting digital payments but also helping users become smarter with money—earning more rewards, managing expenses better, and keeping pace with the rapidly growing digital India.
