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.

QR to Growth: How UPI Credit Cards Are Supercharging India’s Small Businesses

QR to Growth: How UPI Credit Cards Are Supercharging India’s Small Businesses

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 […]

The Secret Life of a Credit Card – What Happens After You Swipe

The Secret Life of a Credit Card – What Happens After You Swipe

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 […]

Swipe Psychology – What Your Credit Card Habits Reveal About You

Swipe Psychology – What Your Credit Card Habits Reveal About You

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 […]

Swipe, Tap, Scan: India Hits a Record ₹1.94 Lakh Crore in Credit Card Spends (July 2025)

Swipe, Tap, Scan: India Hits a Record ₹1.94 Lakh Crore in Credit Card Spends (July 2025)

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 […]

Is the RuPay Credit Card Better Than American Express and Visa?

Is the RuPay Credit Card Better Than Amex and Visa?

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. […]

Groceries to Gigs: Living on a UPI Credit Card

Groceries to Gigs: Living on a UPI Credit Card

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 […]

Do RuPay Credit Cards Provide Lounge Access?

Do RuPay Credit Cards Provide Lounge Access? 

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 […]

Can I Use My Credit Card to Pay My Loan EMIs?

Can I Use My Credit Card to Pay My Loan EMIs?

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 Credit Pulse 2025: What the Latest Loan Numbers Mean for You

India’s Credit Pulse 2025: What the Latest Loan Numbers Mean for You

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 […]