UPI Payments Supercharged with your
RuPay Credit Card
UPI Payments Supercharged
with your RuPay Credit Card

Get your RuPay credit card and make instant UPI payments
– faster, secure, and rewarding.

Download Light App

Scan QR code
Google Play
App Store
Bank partners
Lightcred
Easy Credit. Smarter Pay. Get your Card
Easy Credit.Smarter Pay.Get your Card
8 Reward Points on every 200 spent online

8 Reward Points on every 200 spent online

Link With UPI App

Link With UPI App

1% Fuel surcharge waiver on transactions ₹400–₹5000

1% Fuel surcharge waiver on transactions ₹400–₹5000

Zero Joining and Annual Fees

Zero Joining and Annual Fees

*Limited Period Offer
New look. New Rewards. Same UPI

Save on everyday spending

Earn Light Coins everytime You
complete a Payment

New look. New Rewards. Same UPI

Instant discounts, on demand

Get lowest price deals and
discounts on top brands

Features that reignite the way you do payments

Pin Your Friends, Family And Shops That You Frequently Send Money To

Manage and control your cards directly within the app.

Track and categorize your expenses effortlessly.

Get help quickly and easily within the app.

Analyze your spending patterns with intuitive insights.
Favourite Payee
More value powered by Light

In App Shopping

Shop within the Light App and get exclusive deals and discounts

In App Shopping

Rewards

Earn Rewards after shopping, paying your friends or family!

Rewards

Friend Indeed

Bring your friends over to enjoy more rewards

Friend Referral

One App For Credit, UPI and All Your Needs

Download the app, apply, and complete your KYC. After confirmation, use
your Credit Card to power UPI payments.

Download Light App

QR Code

Available on

Google Play
App Store
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Frequently Asked Questions

Light is just days away from launching—and we’re just as excited as you are! Our top priority is making sure the app is 100% safe, secure, and built for peace of mind. Sit tight, it's worth the wait!

Both! You'll get your virtual RuPay credit card right on time in the app. Your physical card will also be delivered straight to the address you choose.

Not at all! Your RuPay credit card from Light can be used for:
  • Linking with UPI within the Light app
  • Online shopping
  • Swiping at stores (PoS machines)
  • Contactless payments
  • And just about anywhere else a credit card works

To maximize your rewards, you can link multiple payment methods including:
  • Your bank account
  • Debit cards
  • RuPay credit card
    • All within the Light UPI experience.

According to UPI guidelines, credit cards—including RuPay—cannot be used for peer-to-peer transfers. Let’s keep it responsible and stick to the rules.
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