What is a UPI card?

A UPI card is a digital or physical card, typically a RuPay credit card, that can be linked to the Unified Payments Interface (UPI) system. It allows users to make seamless payments by scanning QR codes at merchant outlets, with the transaction amount charged to their credit limit instead of a savings account. Key features include:

• Secure transactions using a UPI PIN.
• Elimination of the need to carry a physical card for payments.
• Interest-free credit periods and reward points on daily expenses.