Week 1: The Curiosity Begins
I kept hearing about UPI credit cards—you know, the kind that lets you tap into credit while paying with any UPI QR code. At first, I didn’t get the hype. “Why would I need one more card?” I thought.
But curiosity won. I applied for a RuPay credit card that supports UPI, linked it to my UPI app, and decided to use only this card for the next 30 days, whether I was buying coffee, groceries, or fuel.
Let’s just say, things got interesting.
Week 2: UPI + Credit = Surprisingly Smooth
The real magic happened at my local kirana store.
I pulled out my phone, scanned their UPI QR code (the same one I used for my regular debit payments), and boom—payment done via credit card. No POS machine. No awkward “Card nahi chalega” moment.
Highlights:
- Worked with any UPI QR code (big win!)
- Instant confirmations like regular UPI
- Felt like using cashless credit without the clunky swipe drama
Week 3: Cashback & Rewards That Made Sense
This is where things started adding up—literally.
Every day, purchases started earning me real cashback. I earned rewards on:
- Swiggy orders
- Petrol pump transactions
- Even my Netflix subscription (auto-paid via UPI)
And because I was tracking everything through my credit card app, I finally understood where my money was going.
Honestly, it felt like I was being rewarded for my daily routine.
Week 4: Bye-Bye Debit Card
Halfway through, I realised I hadn’t touched my debit card even once. Why would I?
- My UPI credit card worked everywhere
- I had a 45-day interest-free period
- I was earning rewards
- And I had one consolidated bill to manage
The mental shift was clear: debit cards were becoming obsolete—for me, at least.
The Unexpected Downsides
Of course, there were some learnings:
- Some merchant apps still don’t accept UPI credit cards for payments (though it’s rare)
- You need to manage your credit smartly—it’s still borrowed money
- Not all UPI apps support all credit cards (you need to check compatibility)
But these felt manageable compared to the convenience I gained.
So, Which Is the Best UPI Credit Card in India Right Now?
That depends on what you value—cashback, travel rewards, lifetime free cards, or brand perks.
But if you want to get started quickly with a UPI credit card that works on any QR, gives you rewards, and is super easy to manage, here’s a tip:
Try Kiwi – The Smarter Way to Use UPI Credit Cards
I discovered Kiwi while exploring different UPI credit card options. It blew me away:
- Let you apply for the best RuPay credit cards with UPI support
- Easily links credit cards to UPI apps
- Tracks your spending + rewards in one place
- No POS needed – just scan & pay using credit at any QR
It’s kind of like a credit card control centre, but simplified.
Final Thoughts: Would I Recommend It?
100% yes—if you want to earn more from your everyday spends without the credit card clutter.
Switching to a UPI credit card changed how I think about payments. It combined the best of both worlds: UPI convenience + credit card power.
If you’re still swiping your debit card in 2025, trust me—you’re missing out.
