RuPay credit cards were a niche product until 2022. Since then they grew fast. UPI integration changed everything. The numbers below show how. Quick takeaway RuPay leveraged UPI to scale credit-card usage. Market share jumped from low single digits to the mid-teens in a few years. Transaction volumes via RuPay credit cards on UPI moved […]

RuPay is India’s indigenous card payment network, created by the National Payments Corporation of India (NPCI) in 2012. It supports debit, credit, prepaid and international payments on domestic rails. RuPay debit cards are issued by banks to their customers to access savings and current accounts, ATM withdrawals, and merchant payments. Timeline of Growth — RuPay […]

Quick summary UPI grew from a niche product in 2016 to India’s payment backbone by 2026. It moved daily retail payments away from cash. It changed how businesses, government payments, and people transact.Key numbers below explain how and why. Growth timeline (big, simple numbers) These numbers show explosive, multi-year scale-up. What drove this growth (data-backed […]

RuPay is India’s domestic card payment network, launched in 2012 by the National Payments Corporation of India (NPCI).It enables debit, credit, prepaid, and international card payments across the country and abroad, while integrating with India’s digital payments stack. Key Data & Growth Figures 1. Debit Card Market Share 2. Credit Card Growth & Market Share […]

UPI credit cards are no longer an experiment. In 2026, they will become infrastructure. What started as a feature is now reshaping how India pays, borrows, and manages daily spending. Here are the key trends defining UPI credit cards in 2026. 1. UPI + Credit Cards Are Now a Default Use Case RuPay credit cards […]

India’s credit card spending is still rising fast. In 2025 and into 2026, spending hit new highs and showed strong demand across sectors. New Peaks in Credit Card Spending In September 2025, Indians spent a record ₹2.17 lakh crore on credit cards in a single month — the highest ever recorded — driven by festive […]

India’s borrowing story keeps evolving. The numbers show growth, but also a shift in how households borrow and manage credit. The Big Picture: Credit Is Still Expanding While official totals for outstanding credit in 2025/26 are still being finalised, bank lending growth is projected to be strong in 2026, with models estimating loan growth of […]

In 2026, UPI remains India’s preferred way to pay — from tea stalls to big stores. Now, users can pay via credit cards on UPI instead of using savings accounts.AU Small Finance Bank issues RuPay credit cards that can be linked to UPI apps. These cards make everyday payments rewarding, flexible, and simple. But which […]

In 2026, India’s payment landscape has shifted dramatically. UPI is now the dominant way people pay in daily life — from local kiranas to large retail stores. The introduction of credit cards on UPI has changed that. And AU Small Finance Bank is among the banks leading this transformation by issuing RuPay credit cards built […]