India’s Small Businesses—chai stalls, kiranas, salons, chemists—have gone from “cash only” to “scan and done.” The quiet engine behind that leap isn’t just UPI. It’s UPI + credit, especially when a RuPay Credit Card is linked to UPI. Together, they’re making payments simpler, cheaper, and more useful for the corner store as well as the […]

You’re at a café. You swipe your card for that perfect cappuccino. The barista smiles, the machine beeps, and your payment is “approved.” End of story, right? Not really. Behind that tiny beep is a whole adventure your money goes on. Let’s pull back the curtain. Step 1: The “Can I?” Moment When you swipe […]

Have you ever thought about what your credit card swipe says about you? Believe it or not, the way we use our cards isn’t just about money—it’s about personality. Let’s decode the psychology of plastic and understand what your credit card habits reveal about you. 1. The Points Hunter You’re the friend who never forgets […]

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 […]