UPI credit cards: Track spending as frequent small txn can strain budget

According to the credit card trends report for 2024 by Kiwi, a credit-on-UPI (Unified Payments Interface) platform, UPI-enabled credit card users carry out an average of 40 transactions per month— eight times more than traditional credit card users. Rupay credit cards have expanded their market share from 3 per cent in 2023 to 12 per cent in 2024, driven by the growing adoption of UPI-enabled credit cards.