What are UPI credit cards? How are they changing the way we make payments? An explainer

If you are quite accustomed to making all your sundry payments via Unified Payments Interface (UPI) app and are unsure of changing this habit of yours to embrace credit card in the foreseeable future, then you may explore the idea of using UPI credit cards.

These are the cards that are used to carry out real time payments to merchants and small vendors via UPI app of a bank. But unlike in UPI where you must have money in your savings bank account linked to the app, here you can transfer the money you received on credit.