Looking for 700 credit score credit cards? We’ll help you understand your options as an Indian applicant, whether you’re getting your first card or considering a change. A 700 credit score may leave room for credit card approval. It does not guarantee a particular card, interest rate or spending limit. Banks also look at your […]

MDR on UPI has raised a question for Indian shoppers: will we pay extra when we scan a QR code? The new framework, effective from 15 October 2026, keeps UPI payments free for consumers. It introduces a merchant fee on certain payments made directly from a bank account. At Kiwi, we want payment charges to […]

What is UPI ID? If you are new to UPI payments in India, we can start with one simple idea: it is your payment address. A UPI ID identifies you on the Unified Payments Interface (UPI). It is also called a Virtual Payment Address, or VPA. For bank-account payments, it lets us send or receive […]

A UPI reference number is a 12-digit number that identifies a UPI payment. For those of us in India who scan and pay for everyday purchases, it helps answer a familiar question: what happened to that payment? We can think of it as the receipt number for a transaction. When a payment needs checking, it […]

Learning how to change UPI PIN in Google Pay starts with one question: do we remember our current PIN? For those of us using Google Pay in India, the answer decides which option we need. If we know it, we can change it from the linked bank account’s settings. If we have forgotten it, we […]

What is MPIN number? If you’re new to mobile banking in India, we’ll help you make sense of it. MPIN stands for Mobile Banking Personal Identification Number. It is a private numeric code used to log in to a bank’s app or approve transactions, depending on the bank. The name can look similar to other […]

What is the difference between Visa and Mastercard? For Indian credit card users, it comes down to where the card works, the offers available and the exchange rate used for overseas payments. Your bank or card issuer decides your credit limit, interest charges and most card benefits. Both networks support everyday card payments in India […]

UPI transaction limit rules matter when you are paying rent, clearing a bill, shopping, sending money, or using a RuPay credit card on UPI for everyday merchant payments. In most cases, the standard UPI limit is up to ₹1 lakh per day. But the actual limit you get can change based on your bank, UPI […]

The difference between credit score and CIBIL score is simple: a credit score is the broader term, while a CIBIL score is one type of credit score issued by TransUnion CIBIL. For Indian credit card users and loan applicants, both terms are often used in everyday conversations. But they do not mean exactly the same […]