GoKiwi

RuPay Credit Card

RuPay Credit Card

At GoKiwi, we help you understand everything about RuPay credit cards—India’s homegrown alternative to Visa and Mastercard. This category is your one-stop guide to choosing, using, and maximizing RuPay credit cards, especially those that work with UPI. As digital payments evolve, RuPay is quickly becoming the go-to choice for smart, reward-driven users who want more value and fewer fees.

We dive deep into the world of RuPay credit cards and break down how they work, why they matter, and how you can benefit. Whether you’re looking for a lifetime free RuPay credit card, one with high cashback rewards, or a card that seamlessly links with your UPI apps, we explain your options clearly and simply.

You’ll learn how to apply for a RuPay credit card from top banks like Axis Bank, SBI, HDFC, and more. We walk you through eligibility criteria, how to check approvals, and how to compare features. We highlight cards that offer strong UPI compatibility, no joining or annual fees, fuel surcharge waivers, dining discounts, and other user-friendly benefits.

With UPI now supporting credit cards, especially RuPay cards, we show you how to link them with apps like PhonePe, Google Pay, Paytm, and BHIM. We also explain how to manage credit wisely, avoid interest charges, and use UPI credit payments to earn rewards while keeping your finances healthy.

Security and ease of use matter. That’s why we explain how tokenization protects your data, how RBI's guidelines support safe transactions, and how to keep your card and UPI apps protected from fraud. Whether you’re a first-time credit card user or a seasoned spender, we give you tips to use RuPay cards responsibly and effectively.

RuPay Credit Card Comparison

We also compare RuPay credit cards with Visa and Mastercard. You’ll discover how RuPay stacks up in terms of acceptance, international usage, UPI integration, reward programs, and cardholder perks. Our unbiased reviews help you make informed choices that suit your lifestyle and financial goals.

Our team continuously tracks new launches, bank partnerships, and regulatory changes so you stay ahead of the curve. We don’t just share news—we tell you how it affects you, whether it’s a new UPI feature or a special RuPay card offer.

At GoKiwi, we believe Indian users deserve smart financial tools tailored to local needs. RuPay credit cards are built for India, and we make sure you know exactly how to get the best out of them. From metro cities to small towns, more users now trust RuPay—and our blog helps you join that trend with confidence.

Explore this category to find the best RuPay credit cards, discover hidden features, and learn how to spend smarter with UPI-linked rewards. GoKiwi makes it easy, clear, and actionable.

UPI (Unified Payments Interface) in Numbers: How India’s Favourite Payment System is Evolving

UPI (Unified Payments Interface) in Numbers: How India’s Favourite Payment System is Evolving

Over the past few years, Unified Payments Interface (UPI) has become the backbone of India’s digital payment revolution. From splitting bills with friends to paying for groceries at a local kirana, UPI has transformed the way Indians transact. And with the recent introduction of credit on UPI, the story has only become more exciting. At […]

How Millennials and Gen Z are Using Credit Differently

How Millennials and Gen Z are Using Credit Differently?

The way Indians approach credit is changing—and at the forefront of this shift are Millennials and Gen Z. Unlike previous generations, who largely saw credit as a tool for emergencies or big-ticket purchases, younger consumers view credit as an everyday enabler. From UPI-linked credit cards to BNPL (Buy Now, Pay Later) and digital-first lenders, their […]

Kiwi vs Jupiter: Which RuPay Credit Card on UPI Wins Your Wallet?

Kiwi vs Jupiter: Which RuPay Credit Card on UPI Wins Your Wallet?

If you’re paying via UPI QR—especially for everyday needs—and want the flexibility and rewards of a credit card, you’re in the right place. Let’s compare Kiwi and Jupiter Edge+ RuPay Credit Card, focusing on UPI integration, rewards, ease of use, and overall value. 1. UPI Credit Card Integration Kiwi: Jupiter Edge+ (RuPay variant): Verdict: Both […]

Best UPI Credit Cards in India 2025 – Compare Cashback, Rewards & Fees

Best UPI Credit Cards in India 2025 – Compare Cashback, Rewards & Fees

Most people think all UPI Credit Cards are the same — scan a QR, pay, done. But the truth is, they’re very different when it comes to cashback, rewards, fees, and ease of use. Picking the right card can turn your daily UPI payments into big savings. If you’re searching for the best UPI credit […]

Kiwi vs OneCard: Which RuPay Credit Card on UPI Fits You Better?

Kiwi vs OneCard: Which RuPay Credit Card on UPI Fits You Better?

If scanning a UPI QR with your phone and paying via credit is part of your daily routine, you’ve likely looked into RuPay-on-UPI cards. Kiwi and OneCard both offer this—but their styles couldn’t be more different. Let’s break it down so you can see which one is right for your lifestyle. 1. UPI Credit Card […]

Kiwi vs Scapia: RuPay Credit Card on UPI – Which One Wins?

Kiwi vs Scapia: RuPay Credit Card on UPI – Which One Wins?

If you live in the UPI-first world—scan, pay, repeat—you’ve probably looked into RuPay-on-UPI options. Kiwi builds exclusively around that model. Scapia’s dual-network (RuPay + Visa) card promises the best of both worlds. Let’s compare and help you decide. 1. UPI Credit Integration Kiwi: Scapia (RuPay side): Verdict: Kiwi is streamlined for UPI. Scapia offers flexibility […]

Kiwi vs SalarySe: Which RuPay UPI Credit Card Fits You Best?

Kiwi vs SalarySe: Which RuPay UPI Credit Card Fits You Best?

If daily UPI QR payments with credit are your go-to, both Kiwi and SalarySe offer RuPay Credit Cards—but they serve very different needs. Let’s compare them across key dimensions. 1. UPI Credit Card Integration Kiwi SalarySe (RBL Bank RuPay UP Credit Card) Verdict: Kiwi is built for seamless, everyday QR usage. SalarySe works well but […]

Kiwi vs Slice Card: RUPay Credit on UPI—Which Fits You Better?

Kiwi vs Slice Card: RuPay Credit Card on UPI—Which Fits You Better?

If you’re tapping UPI QRs for groceries, food, or quick errands—and still want credit card convenience—Kiwi and Slice serve that need. But they take very different routes. Let’s break down how each stacks up. 1. UPI Credit Integration Kiwi Slice (Platinum / Ultra) Verdict: Kiwi is built for QR simplicity. Slice offers stylish integration but […]

India Goes Click-First: 85% of Credit Card Transactions Are Now Online

India Goes Click-First: 85% of Credit Card Transactions Are Now Online

In July 2025, India crossed a cultural checkpoint: about 85% of all credit card transactions happened online. What once sounded niche—paying on apps, gateways, and e-commerce—has become the default. It’s not just a technology story; it’s a lifestyle shift powered by Digital India, cheap data, and a generation that’s grown up tapping “Pay Now.” Digital […]