How To Add / Link Rupay Credit Card With UPI On Kiwi: Enhance Your Convenience & Security

Enhance Your Convenience & Security

The current era is the digital era and financial transactions have become much more seamless and convenient these days. In India, Unified Payment Interface has emerged as a revolutionary payment system, allowing users to instantly transfer money between bank accounts using their smartphones. One of the many ways with which you can link RuPay credit cards with UPI is Kiwi. It is a popular platform that offers a variety of payment options including credit cards to its users to enable transactions. It will vastly improve your experience on UPI platforms. We will look into all the important  details regarding Kiwi here. This guide will walk you through the step-by-step process of adding or linking your RuPay credit card to UPI with Kiwi. 

Understanding RuPay Credit Cards and UPI

Before delving into the process, it’s important to understand the factors involved. RuPay is an indigenous payment network in India, offering credit, debit and prepaid cards. The card is accepted at most offices and online portals in the country. On the other hand, UPI is a real-time payment system developed by the National Payments Corporation of India (NPCI), which allows users to instantly transfer funds between bank accounts using mobile devices. Majority of UPI applications in India prefer RuPay for the fact that it was indigenously built in India by NPCI back in 2014. If we talk about debit cards specifically, RuPay has issued more than 70 crore cards in India as of July, 2023. 

Why Should One Link RuPay Credit Card to UPI on Kiwi?

Here are some of the benefits that can be unlocked by linking your RuPay credit card to UPI on Kiwi: 

  1. Convenience : By linking your credit card to UPI, you can initiate payments and transfer funds directly from your bank account linked to RuPay card. You wouldn’t have to carry your credit card everywhere when you have gone shopping outside. The information will be stored on the UPI app and it will make things simpler for you while making the payments.
  1. Universally accepted: Some merchants and Internet service providers accept UPI payments but not credit cards. Linking your RuPay credit card to UPI expands your payment options. This comes to your advantage when you have to make huge payments and your debit card is running out of balance. Combining the convenience that we talked about earlier with universal acceptability, you get all the more reasons to initiate the linking process right away.
  1. Rewards and perks: Generally, banks offer credit card holders with gifts, freebies, discounts and other deals. For example, there’s a flat 15% Instant Discount on RuPay Credit Cards on Minimum Order Value of ₹5000 max up to ₹2500 at Mumbai Duty Free. You can avail these benefits while making payments by using your RuPay credit card linked to UPI. 
  1. EMI & revolving credit: There are various credit cards that offer you the choice to convert large transactions into Equated Monthly Instalments (EMIs). If you want to convert the eligible transactions into EMI, you can do it seamlessly with the help of UPI. This feature works the best when you have to make large expenses, like buying a car or any other expensive furniture. It will help you to manage such expenses comfortably over a period of time. 
  1. Financial Tracking & Management: When you integrate your debit as well as credit card with UPI, it centralizes your financial transactions. So if you want to keep a track on your expenses, you can do so comfortably on the UPI app. The transaction history will give you details of every little penny that you have spent in a particular period of time. 

Step By Step Guide To Linking RuPay credit card with UPI with Kiwi

Follow these simple steps to add or link your RuPay credit card to UPI on Kiwi:

Step 1: Download and install the Kiwi App

Download and install the Kiwi app from the Google Play Store or Apple App Store if you don’t already have it. You will easily find it once you search for it in the store. 

Step 2: Sign In or create an account

Once the download is completed, you can open the Kiwi app and sign in to your existing account or create a new account by providing the required information.

Step 3: Go to the UPI settings

Now that you’re logged in, go to the settings or profile section of the Kiwi app.

Step 4: Add a Payment Method

Find an option to add another payment option and select “Credit Card” from the available options.

Step 5: Enter RuPay credit card details

You will be asked to enter your RuPay credit card details, including card number, expiry date, CVV and cardholder name.

Step 6: Verify card information

You should check the information entered twice for accuracy and make sure the information matches your RuPay credit card details.

Step 7: Set the UPI PIN

After checking the card details, the app will prompt you to enter the UPI PIN. This PIN is required to allow UPI transactions linked to your credit card.

Step 8: Confirm and verify

Now that you have entered your UPI PIN, the Kiwi app may require additional authentication, such as OTP authentication, to complete the transaction.

Step 9: Successful linking

Once the process is successful, your RuPay credit card will be linked to the UPI in the Kiwi app.

Step 10: Start using RuPay credit card with UPI

You can now use your RuPay credit card to pay, transfer money, or access other UPI services directly through the Kiwi app.

Safe Practices To Ensure During Transactions 

Always be sure to download the Kiwi app from a trusted source, such as the government app store. You should also ensure keeping your UPI PIN confidential and avoid giving it to anyone unauthorized Notify your bank account..


Linking your RuPay credit card to UPI through the Kiwi app opens up a simple and convenient world of digital payments. By following the step-by-step instructions above and following best practices regarding security, you can enjoy seamless transactions and access a wide range of services offered by the RuPay and UPI platforms. Embrace the power of digital finance and simplify your payment experience with Kiwi right away!