In India, UPI has transformed the way people pay.
From tea and milk to groceries, a simple scan is all it takes to make payments.
The need to carry cash has nearly disappeared.
But until recently, UPI only offered convenience—no rewards, cashback, or other benefits.
That’s now changing with the introduction of Credit on UPI, turning everyday payments into smart, rewarding transactions.
How Credit on UPI Works
The National Payments Corporation of India (NPCI) now allows users to link their RuPay credit cards to their UPI apps.
This means you can choose to pay via your credit card instead of your savings account and still enjoy the ease of UPI.
Here’s what this brings to the table:
Rewards on Everyday Payments: Cashback and rewards are now available even for small daily purchases.
Pay Later Feature: Make payments without immediately affecting your bank balance.
Accepted Widely: Works with millions of UPI QR codes, from small shops to big brand showrooms.
Boosts Digital Credit: Millions of users can now easily access formal credit systems.
This combination of UPI and credit is a major step by NPCI, making digital transactions profitable and convenient for everyone.
RuPay Credit Card on UPI: Cashback and EMIs with Kiwi App
The Kiwi App makes credit over UPI simple and accessible.
By linking your RuPay credit card to your UPI account through the app, you can:
Get 1.5% cashback on every UPI transaction, whether it’s at a tea stall, grocery store, salon, or brand showroom.
Convert UPI payments into EMIs.
Enjoy a lifetime free card with no joining or annual fees.
Benefit from a 1% fuel surcharge waiver on spends between ₹50 and ₹4,000.
Kiwi’s Neon membership makes it even more rewarding.
For ₹999 + GST per year, you can earn up to ₹7,500 cashback on annual spends of ₹1,50,000 and get three airport lounge access passes.
Smart Finance Made Simple
The RuPay credit card for UPI via Kiwi is more than just rewards—it’s a tool for smarter financial management.
It encourages users to spend wisely, manage expenses better, and maximize digital payments.
With Kiwi, UPI payments are no longer just easy—they are profitable and rewarding, combining the convenience of digital payments with the power of credit.
