India just set a new monthly record for credit card spending. In July 2025, Indians spent ₹1.94 lakh crore on their cards—up from ₹1.83 lakh crore in June. That’s a 6% month-on-month jump and a 12% rise year-on-year. It’s the highest monthly spend Indian credit cards have ever recorded. What changed? Together, the story is […]

Imagine standing at your neighborhood kirana store, scanning a simple UPI QR and walking out with groceries — but instead of cash or debit, you just paid on credit. That’s the magic RuPay Credit Cards bring to the table. They’re the only ones today that let you link credit with UPI for everyday merchant payments. […]

I live by invoices and tea. Some weeks I shoot late and edit later. Other weeks I chase clients, not ideas. Cash flow arrives in waves. Expenses don’t. That’s the rhythm most freelancers know. A few months ago, I started running my routine on a UPI Credit Card—specifically, a RuPay Credit Card via Kiwi. It […]

My flight was at 6:10 a.m., and I was running on four hours of sleep. The security line looked endless. I spotted the lounge sign and had the same thought everyone has: Please let my card get me in. I carry a RuPay Credit Card that I also use as a UPI-linked card for daily […]

You might be able to pay your loan EMI using a credit card, but it’s not guaranteed. It depends on whether your lender allows it and the payment method you choose. Even if it’s accepted, most lenders charge a convenience fee, and you may not earn any rewards. On top of that, carrying the EMI […]

India’s borrowing story is still growing—but it’s changing shape. Below is a walkthrough of what the newest figures say about loans, households, and day-to-day money choices. The big number: $2.05 trillion in outstanding loans As of December 2024, total outstanding loans in India were about $2.05 trillion. That’s up from the previous quarter, showing steady […]

I wanted to know if a week of work travel could run on nothing but QRs. Not the big malls with polished counters—real stops: breakfasts, chemists, salons, small cafés, corner stores. Kiwi provides a RuPay Credit Card that you can link to UPI in the Kiwi app and use for transactions. I’d used credit cards […]

On the 25th of most months I’d send the same sheepish message: “Can I borrow 2k till salary?” I wasn’t overspending on big things; it was the small, constant ones—chai after a walk, paracetamol from the chemist, tomatoes from the cart downstairs. I paid almost everything via UPI from my savings account, so the outflow […]

Why your UPI Credit Card sometimes won’t go through at a merchant QR—and how to resolve it quickly. First, a quick refresher With Kiwi, you get a RuPay Credit Card that you can link to UPI in the Kiwi app and use to scan standard UPI QRs and pay via credit—no POS machine needed. Acceptance […]