Before we jump in, a quick definition. In India, “credit on UPI” usually means small, pre-approved credit that you can spend straight from your UPI app-by linking a RuPay credit card to UPI for QR-based payments. Both allow you to access credit instantly in the same way you already use UPI. 1. End-of-Month Essentials Groceries,…
India’s way of paying has changed a lot over the past few years. Cash used to be king, then came UPI, making it super simple for people to pay directly from their bank accounts with just their phones. Now, another big change is happening: people can start using their credit cards on UPI. This is…
India’s digital payments ecosystem has become one of the world’s most dynamic fintech landscapes. The Unified Payments Interface (UPI) has been the torchbearer of this revolution, enabling seamless peer-to-peer and merchant payments at scale. Yet, in the past couple of years, a new innovation has entered the stage and is rapidly changing how Indians pay…