Planning your next trip and want to make a smarter payment choice? If you’ve heard of UPI Credit Cards, you’re already halfway there. These cards let you pay through UPI apps, but instead of using your bank balance, you get the benefits of a credit card — rewards, interest-free period, and more.
In this article, you’ll learn:
- What UPI Credit Cards are
- How to use them to book flights on MakeMyTrip
- And how to earn up to ₹2,000 cashback when you pay via Kiwi
What Is a UPI Credit Card?
A UPI Credit Card is a RuPay credit card that you can link to a UPI app (like Google Pay, PhonePe, Paytm, or Kiwi). Once linked, you can use your UPI ID to make payments — but instead of debiting your bank account, the charge goes to your credit card.
Key Benefits:
- Earn reward points or cashback even on UPI payments
- Enjoy up to 50 days of interest-free credit
- Works across all UPI-accepting merchants, including travel platforms like MMT
Step-by-Step: How to Pay for MMT Flights Using a UPI Credit Card
Step 1: Get a RuPay Credit Card That Supports UPI
You have two options:
- Use Kiwi App/Web to get an instant virtual UPI Credit Card from Yes Bank or AU Small Finance Bank
Kiwi makes it quick and fully digital — no paperwork, no waiting.
Step 2: Link Your Credit Card to UPI
Using the Kiwi app, you can:
- Get a virtual RuPay UPI credit card instantly
- Link it to your UPI ID
- Set your UPI PIN
This UPI ID can then be used anywhere UPI is accepted, including MakeMyTrip.
Step 3: Book Your Flight on MakeMyTrip
- Visit makemytrip.com or use the MMT app
- Choose your flight and head to checkout
- Use UPI Credit Card by Kiwi to make the payment
Bonus: Get 20% Cashback via Kiwi (Up to ₹2,000)
When you book your first flight on MakeMyTrip using your Kiwi UPI Credit Card, you’re eligible for a limited-time cashback offer:
Offer Details:
- 20% Cashback, up to ₹2,000
- Valid on your first successful MakeMyTrip transaction via UPI credit card through Kiwi
- Cashback is credited to your Kiwi Wallet within 30 days of your completed travel
- You can withdraw cashback to your bank account using the Kiwi app
Why This Is a Smart Move
| Feature | UPI with Bank A/C | UPI with Credit Card via Kiwi |
|---|---|---|
| Money deducted from | Bank balance | Credit card (interest-free) |
| Earn rewards? | No | Yes (cashback or points) |
| Monthly tracking | Limited | Full credit card statement |
| Extra offer? | Rare | ₹2,000 Cashback via Kiwi |
FAQs
1. Which credit cards can be used with UPI?
Only RuPay credit cards currently support UPI payments.
2. Do I need a physical card to pay via UPI?
Not at all. With Kiwi, you get an instant virtual UPI Credit Card from Yes Bank or AU Small Finance Bank.
3. Is the Kiwi-MMT offer valid on all bookings?
It’s valid only on your first MakeMyTrip flight booking using UPI Credit Card via Kiwi.
4. How will I receive cashback?
Cashback will be credited to your Kiwi Wallet within 30 days of travel completion.
5. Can I stack this with MMT coupons?
Yes, you can apply MMT promo codes and still be eligible for the Kiwi cashback offer.
Final Words
Using a UPI Credit Card to book flights on MakeMyTrip is a modern, rewarding, and budget-friendly way to travel. And if you’re booking for the first time via Kiwi, the ₹2,000 cashback is just the cherry on top.
So next time you’re browsing flights, remember:
- Link your RuPay credit card to UPI
- Pay using your Kiwi UPI ID
- Enjoy rewards, credit period, and exclusive cashback
