Make UPI Payment Using RuPay Credit Card

Make UPI Payment Using RuPay Credit Card

Digital payments have become an indispensable part of our everyday lives. With the rise of the Unified Payments Interface (UPI) and RuPay credit cards in India, making digital payments has become faster, easier, and more rewarding than ever before. 

This article provides a simple guide to understanding UPI payments, RuPay credit cards, and how platforms like Kiwi are enhancing the user experience.

What is UPI, and How Does It Work?

  • UPI, or Unified Payments Interface, is a system that allows instant transfers of money between bank accounts using a smartphone.
  • It uses a unique UPI ID or mobile number as an account number to transfer funds in real-time.
  • UPI is built on top of the IMPS infrastructure and allows you to instantly pay or receive money without entering any bank details.
  • To use UPI, you need to have a bank account and a UPI-supported app like BHIM, PhonePe, Google Pay, Kiwi, Paytm, Kiwi and many more.
  • UPI has made digital transactions very easy, even for those who are not tech-savvy or don’t use cards.

Key Points About UPI

  • Instant money transfer system using a mobile phone
  • Uses a unique UPI ID or mobile number as an account number.
  • Transfers money in real-time without bank details
  • Needs a bank account and a UPI-enabled app
  • Makes digital payments easy for everyone.

How to Make UPI Payments: A Simple Step-by-Step Guide

Here is a quick 5-step guide to making seamless UPI payments:

  1. Download a UPI app like BHIM, PhonePe, Google Pay, Kiwi etc.
  2. Sign up by adding your bank account details.
  3. Create a UPI ID (virtual payment address).
  4. Enter the receiver’s UPI ID, phone number and bank details when sending money.
  5. Transfer money in a few simple taps using your UPI PIN.

That’s it! UPI has made transferring money as easy as sending a text on your phone.

Understanding RuPay Credit Cards

RuPay is India’s very own domestic card payment network, backed by the National Payments Corporation of India (NPCI).

Some key facts about RuPay credit cards:

  • Lower cost than international card networks like Visa and Mastercard.
  • Promotional offers and cashback to encourage digital payments.
  • Integrated seamlessly with UPI for easy payments.

RuPay credit cards provide a low-cost, rewarding, and secure option for Indian consumers to go digital, especially for domestic transactions.

Linking RuPay Cards to Make UPI Payments

RuPay credit cards can be easily linked to UPI apps to make quick payments using funds from your credit limit. The steps are straightforward:

  1. Go to your UPI app’s ‘Add Card’ section.
  2. Choose RuPay and enter the card details.
  3. Set a UPI PIN for the card.
  4. Accept the terms and conditions.
  5. Authenticate with an OTP.

Your RuPay credit card will now show as a payment option during transactions. UPI facilitates payments from cards in a highly seamless manner.

How to Make UPI Payments from a RuPay Credit Card?

Follow these simple steps to pay via UPI using your RuPay credit card:

  1. Open your UPI app.
  2. Enter payee details and the amount.
  3. Choose a linked RuPay card as the payment method.
  4. Enter a UPI PIN for authentication.
  5. Confirm the transaction in a few seconds.

This instant, round-the-clock payment facility eliminates the need to carry cards or cash. The RuPay-UPI combination offers the best of both worlds.

Top Apps to Use the RuPay-UPI Combination

Several UPI apps allow linking RuPay cards seamlessly. Some popular options are:

  • PhonePe: simple interface, offers, and cashback
  • Google Pay: Prevalent, easy to use
  • Kiwi: Sime to use UPI credit card
  • BHIM: Backed by the government, competent
  • Paytm has a wide network of merchants.
  • Cred: focused on card payments and rewards

However, Kiwi stands out with its innovative approach and focus on the user experience.

Introducing Kiwi: Taking UPI-RuPay Payments to the Next Level

Kiwi is an app that aims to make RuPay-UPI payments even more rewarding and hassle-free for consumers. Here’s an overview of its offerings:

  • Provides an instant virtual RuPay credit card enabled for UPI
  • Zero joining and annual fees for complete transparency
  • Cashback rewards and bonuses tailored for RuPay users
  • Builds on UPI’s simplicity with an easy-to-use interface
  • Top-notch security standards for safe transactions
  • Available on both Android and iOS platforms

Kiwi combines the pros of RuPay, UPI, and virtual cards into one powerful platform.

Using the Kiwi App for RuPay-UPI Payments: A Tutorial

Here is a step-by-step guide on using Kiwi for simplified RuPay-UPI payments:

  1. Download the Kiwi app from the Play Store or App Store.
  2. Sign up and link your RuPay credit card to get a virtual card.
  3. For payments, enter payee details and the amount in the app.
  4. Choose your virtual RuPay card to pay via UPI.
  5. Authenticate using your Kiwi app credentials.
  6. Get rewarded with cashback for payments!

Kiwi accelerates the RuPay-UPI payment process while also rewarding users, creating a win-win proposition.

Why Choose Kiwi for RuPay-UPI Payments?

Here are some compelling reasons why Kiwi scores over other apps when it comes to the RuPay-UPI combination:

  • Instant issuance of a virtual card means no waiting period.
  • Exclusive rewards and promotions for RuPay users
  • Completely transparent with no hidden charges
  • Top-level security for safe transactions
  • Intuitive and easy-to-use interface
  • Uses UPI’s full potential by integrating it with RuPay.
  • Creates a seamless ‘card-less’ payment experience

Kiwi unlocks the full potential of RuPay-UPI synergy for consumers seeking easier, faster, and more rewarding payments.


UPI and RuPay, together, have accelerated India’s transition into digital payments. Kiwi takes this experience to the next level for consumers by:

  • Combining the strengths of UPI and RuPay into one platform
  • Adding an extra layer of convenience with instant virtual cards
  • Offering exclusive rewards and cashbacks for loyal users
  • Focusing on transparency, security, and the user experience

So if you want to enjoy the best of what RuPay and UPI have to offer, give Kiwi’s innovative solution a try today!