💥 "Best UPI Credit Card Apps in India: Link RuPay Credit Cards & Pay Smarter"
- didoskeletonthough
- Jun 15
- 5 min read
Updated: Jul 25
The future of credit is here—and it’s contactless, cardless, and cashless. Thanks to UPI’s integration with RuPay credit cards, you can now enjoy the power of credit with the ease of scanning a QR code. A wave of next-gen fintech apps like Kiwi UPI, Rio UPI, Jupiter, and Kredit.pe are leading the charge, offering smarter, faster, and reward-packed payment options. The latest entrant is Scapia’s UPI Credit Card with Federal Bank.
🚀 What Is UPI with RuPay Credit Cards?
In 2022, the RBI and NPCI allowed RuPay credit cards to be linked with UPI. This means you can now:
Use your credit card balance via UPI
Scan any merchant QR code
Pay directly through your credit card via UPI apps like PhonePe, Google Pay, BHIM, and fintech partners
💡 No need to carry your credit card physically — Just scan and pay with your smartphone.
“Why carry plastic when your phone gives you credit power with a scan?”
📲 Top Fintech Apps That Enable UPI-Based RuPay Credit Card Payments
Here are the most popular apps in 2025 that help you link, manage, and spend from your RuPay credit card using UPI:
1. 🌟 Kiwi UPI App
goKiwi is India's first app to enable any RuPay credit card for UPI payments.
Key Features:
Link and manage multiple RuPay credit cards
Make QR-based merchant payments using UPI
Track spends & get rewards on the go
Supports cards from Axis, ICICI, SBI, HDFC & more
USP: Kiwi is RBI-authorized and PCI-DSS compliant for secure digital payments.
Best For: Users looking for a credit-focused UPI app with easy onboarding.
Apply for Kiwi UPI App👉 https://bitli.in/M0kZgQ8
“In the age of UPI, the smartest swipe is the one you never make.”
2. 🔥 Rio UPI App
India's first UPI app designed exclusively for RuPay credit cards.
Key Features:
Built-in support for UPI using credit cards only
Spend tracking, reminders, and cashback alerts
Partnered with major banks for seamless linking
USP: Minimalist, clean interface with zero distractions—perfect for managing just credit card UPI.
Best For: UPI beginners or minimalists who just want to use credit cards via UPI.
Apply for Rio UPI App👉
“Kiwi, Rio, Jupiter… Not planets, but your new orbit for cashless freedom.”
3. 🪙 Jupiter App
A neo-banking app with deep UPI and RuPay credit integration.
Key Features:
Offers RuPay Credit Card (Edge) via Federal or CSB Bank
UPI payment capability directly via credit card
Rewards up to 5% on UPI-linked transactions (exclusive deals)
Smart budgeting tools, money tracking, and cashback management
USP: Combines banking + credit UPI in a single app.
Best For: Young professionals who want all-in-one fintech banking.
Apply for Jupiter App👉 https://clnk.in/wvys
New-gen fintech platform focusing on credit-first UPI transactions.
Key Features:
Link RuPay credit cards for UPI payments
Credit scoring tools & repayment management
Easy EMI conversion for UPI spends
USP: Offers spend-now-pay-later features using credit card UPI infrastructure.
Best For: Shoppers and gig workers who need instant credit + UPI.
Apply for Kredit.pe App👉 http://Kredit.pe
“From credit to QR in one tap—fintech apps are making money smarter, not harder.”
5. 🧠 Other Notable Apps with RuPay-UPI Support
App | Highlights | Best For |
PhonePe | Works with RuPay credit cards (Axis, SBI, HDFC) | Trusted UPI users |
Paytm | Allows RuPay credit UPI for select banks | Fast recharges & QR scanning |
BHIM App | Government-backed, secure, & supports most RuPay cards | Simplicity & low data usage |
Mobikwik ZIP | Upcoming support for UPI-RuPay | Offers ZIP credit line too |
✅ Benefits of Using Fintech Apps with RuPay-UPI:-
1. Contactless Payments
Scan and pay merchants instantly - no card or OTP needed.
2. Reward Maximization
Earn points, cashback, and offers on spends that usually don't give rewards with debit cards.
3. Easy Tracking & Control
Get spending analytics, bill reminders, and EMI conversion options inside the apps.
4. Works with Local Merchants
UPI QR codes are accepted almost everywhere in India, making credit spending far more accessible.
5. Secure & RBI-Approved
All apps comply with RBI regulations and use tokenization for safety.
“Credit cards just got a UPI-grade—scan, pay, and earn without touching your wallet.”
🧾 UPI-Based RuPay Credit Card App Comparison Table (2025)
App | 🥝 goKiwi | 🔴 Rio | 🪙 Jupiter | |
Primary Function | UPI via RuPay Credit Card | UPI via RuPay Credit Card | Neo-bank with UPI + Credit integration | Credit-first UPI payments & tracking |
Supports Multiple Cards | ✅ Yes (Axis, ICICI, HDFC, SBI & more) | ✅ Yes (All major RuPay credit cards) | ✅ Yes (Own Jupiter/Federal/CSB RuPay card) | ✅ Yes (Partnered banks with RuPay cards) |
Reward Tracking | ✅ Yes | ⚠️ Limited | ✅ Cashback & Rewards tracking | ✅ Yes, with spend categorization |
EMI Conversion | ⚠️ Not Available Yet | ❌ No | ✅ Available for credit purchases | ✅ On UPI spends & bill payments |
App Interface | Modern, clean, fintech-focused | Minimalist, credit-focused | Sleek, full banking dashboard | Professional, with detailed analytics |
UPI QR Merchant Payments | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
Bill Payment Reminders | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
Extra Features | Tokenization, RBI registered, secure | Designed only for RuPay-UPI | Expense tracker, savings goals | Credit score tools, payment scheduling |
Best For | Everyday users with multiple cards | First-time UPI credit card users | Salaried professionals, all-in-one users | Power users, spenders, freelancers |
Bonus:-
✨ Scapia UPI Credit Card: A Travel Lover’s Dream with UPI Power
The Scapia Credit Card, issued in partnership with Federal Bank, is a RuPay credit card designed for modern users who love rewards, travel, and UPI convenience.
🔑 Key Features & Benefits:
💰 Unlimited 10% Scapia Coins on all spends (redeemable for travel bookings)
💸 No joining or annual fee – truly zero-cost credit card
📱 Supports UPI payments via RuPay, letting you scan & pay from your credit limit
✈️ Zero forex markup on international transactions
🎁 App-based rewards tracking, instant redemption, and gamified interface
Scapia UPI Credit Card combines UPI-based credit convenience with high-value travel rewards, making it ideal for Gen Z and millennial users who want simplicity, savings, and seamless payments.
Apply for Scapia UPI Credit Card👉 https://inr.deals/xWe8dG
📝 Quick Summary of all the Apps-
Kiwi UPI App: Best for those who want to link multiple RuPay cards & track usage.
Rio UPI App: Great for those who want a simple, dedicated UPI credit card app.
Jupiter App: Ideal for users looking for a neo-bank experience with full control.
Kredit.pe App: Perfect for spend-now-pay-later users with EMI needs.
Scapia UPI Credit Card: Perfect for travel lovers for local & International spending habits.
💡 Final Thoughts: The Credit Revolution Is Going Cardless
Apps like Kiwi, Rio, Jupiter, and Kredit.pe, Scapia are reshaping how India uses credit. With UPI-based RuPay credit card payments, you can enjoy rewarding, flexible, and frictionless spending — straight from your phone.
Whether you’re buying groceries, eating out, or paying for a haircut — scan, pay, and earn using your favorite UPI + credit combo.
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