GoKiwi

UPI

UPI (Unified Payments Interface)

At Kiwi, we make Unified Payments Interface (UPI) simple, secure, and rewarding for everyday users. In this category, we focus on helping you understand how UPI works, how to get the most out of it, and how to use it safely—whether you’re scanning QR codes at local shops, linking credit cards, or automating bill payments.

UPI has transformed how India transacts. With just a mobile number and a UPI PIN, you can transfer money, pay bills, shop online, or send rent—all within seconds. But UPI is not just about convenience anymore; it’s also about smart money habits, rewards, and financial access. That’s why our blog explores every UPI feature that matters to you.

We break down everything from setting up your first UPI ID to understanding UPI Lite, UPI AutoPay, and UPI credit. Whether you're using Google Pay, PhonePe, Paytm, BHIM, or any bank’s mobile app, we guide you step-by-step through the process.

We pay special attention to how RuPay credit cards now work with UPI—a game-changing feature that lets you earn rewards while spending digitally. If you’re wondering how to link your RuPay credit card to UPI apps, track expenses, or avoid interest charges, we explain all of it clearly. We also compare UPI credit cards across banks to help you choose the best option for your needs.

UPI and Kiwi

At Kiwi, we stay on top of the latest updates from NPCI and RBI. When new guidelines come in—whether about UPI limits, fraud protection, or credit integration—we quickly break them down for you. You’ll always know what’s changing and how to adapt your UPI usage accordingly.

We also focus on security and fraud awareness. UPI scams are on the rise, and users need to stay alert. That’s why we regularly post practical tips on spotting fake UPI links, protecting your PIN, and using safe payment practices. You’ll also learn how to raise complaints, report frauds, and resolve transaction failures easily.

For those looking to save more, we uncover hidden UPI offers, bank-led cashback campaigns, and seasonal bonuses. Whether it's cashback on groceries, rewards for bill payments, or offers for credit card UPI spends—we track it all so you don’t miss out.

We write for every Indian who wants to make better financial choices—students, salaried professionals, freelancers, shopkeepers, and retirees. UPI is for everyone, and we make sure our guides reflect that diversity.

At Kiwi, we don’t just talk about digital payments—we help you use them smarter. Our UPI category empowers you to move beyond basic transfers and turn your transactions into tools for savings, rewards, and better money control.

Start exploring this section to unlock the full potential of UPI—and make your payments faster, safer, and more rewarding.

Which Indian Cities Have the Highest Credit Card Spend in 2025?

Indian Cities with Highest Credit Card Spend in 2025

Credit card spending in India has reached new heights in 2025. Rapid urbanization, digital adoption, and rising incomes have fueled this surge. The growth is not limited to metro cities anymore. Tier-2 and Tier-3 cities are now key players in the credit card market. Let’s dive into the numbers and trends shaping India’s top credit […]

Credit Card Usage in India: 2025 Trends and Consumer Behaviour

Credit Card Usage in India: 2025 Trends and Consumer Behaviour

Credit Card Trends : Growth in Card Numbers and Spending The credit card market in India reached about 108 million active cards by December 2024. That count doubled from roughly 54 million in 2019.The number of credit card transactions per month hit around 430 million in January 2025, up ~31 % year‑over‑year, but down 1 % from December via seasonal dip […]

Top 10 Signs Your Credit Card Has Been Hacked

Top 10 Signs Your Credit Card Number Has Been Hacked

Introduction Credit cards make life easier, but they also come with risks. Cybercriminals are getting smarter every day. Even if you’re careful, your credit card number can fall into the wrong hands. The faster you catch the signs of a breach, the less damage you’ll face. Wondering how to spot trouble? Here are the top […]

Manage your finances with UPI Credit Card

Manage your Finances with UPI Credit Card

India has advanced from having to wait in large lines to pay bills to being able to do transactions by only scanning a QR code. The widespread use of UPI (Unified Payments Interface), which has completely changed the way we manage money, has been one of the most significant changes. The UPI Credit Card is […]

The Safety Net: Why Credit Cards are the Safest Payment Option for International Travel

The Safety Net: Why Credit Cards are the Safest Payment Option for International Travel?

Safety is the main priority when you are traveling internationally. In fact, an excellent way to ensure your safety traveling abroad is by utilizing a credit card, simply because they come with so many safety features that can protect the traveller, and in turn will protect them from fraud, theft, and lost finances. In this […]

10 Benefits of Using RuPay Credit Card for Digital Payments

10 Benefits of Using RuPay Credit Card for Digital Payments

In today’s digital-first world, credit cards have evolved beyond being just a tool for borrowing money. They offer convenience, rewards, security, and seamless integration with online platforms. One such card making waves in the Indian market is the RuPay Credit Card — India’s homegrown card network. With its growing popularity and wide range of features, […]

Save Money on International travel with Credit Cards

Save Money on International Travel with Credit Cards

Travelling to other countries can be an exciting experience, but it can also be quite expensive. There are costs associated with flights, lodging, meals, and activities that can add up quickly. A great way to mitigate and minimise these expenses is to use credit cards designed for use abroad. While there are a number of […]

In this blog we are looking at the top 5 ways you can address getting a new credit card limit. We will also discuss how credit cards like Kiwi can help you with additional benefits and features to get your credit goals.

How can you increase your Credit Card Limit?

Having a higher credit card limit can be an effective financial option to work with when managing your spending, as well as helping you keep your credit utilisation low. It can give you more buying power, and it can help you have a safety net in case of emergencies.   In this blog, we are looking […]

How Credit Cards can Benefits you in Domestic Travel?

How Credit Cards can Benefit you in Domestic Travel?

Credit cards have become extremely helpful for travellers because there are several features offerings that translate into value for domestic travel in India. Credit cards can be very opportunistic—whether through rewards or different features—there are several ways credit cards can be helpful. Here is an overview of the top 5 reasons credit cards might be […]