If you have been looking for a credit card that works the way you already pay through Unified Payments Interface (UPI), the Kotak League RuPay Credit Card deserves a closer look. No joining fee. No annual fee. And the ability to tap into the credit line directly from your preferred UPI app.

Here is a closer look at what this card offers and how to make the most of it.

What Makes RuPay Credit Cards Different

RuPay is India's domestic card network, developed and managed by the National Payments Corporation of India (NPCI). Unlike international networks, RuPay credit cards can be directly linked to UPI apps. It is giving cardholders the ability to pay at any UPI-enabled QR code using their credit limit, not just their bank balance.

The numbers reflect how quickly this has grown. RuPay credit on UPI recorded over 750 million transactions worth approximately ₹63,825 crore by October in financial year 2024-25, compared to around 362 million transactions valued at ₹33,439 crore in the full year prior. By June 2024, RuPay........

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