Kolkata: Unified Payments Interface, or UPI transactions, is recording galloping transactions every month. In January 2025, UPI transactions rose to 16.99 billion, up from 16.73 billion in December 2024. In November 2024, the volume was recorded at 15.48 billion. There is a jump in the credit card usage in the country in recent years — the number of cards in circulation rising from about 5.53 crore in December 2019, to about 10.8 crore in December 2024.

A credit card enables one to use it online or at a merchant outlet — a physical store. The point is, one can now enjoy the best of both modes by linking the credit card to your UPI account. Linking the card with your UPI account, will immediately........

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