8/11/2025, 10:55:04 am

UPI credit line vs credit card

A UPI credit line is a pre-approved loan from a bank that can be spent through the UPI app. Users can scan a merchant's QR code, choose the credit line as the funding source, and authorise with their UPI PIN. Key features include: - Pre-approved loan limit - Monthly bill with interest charge - Available credit limit visible in UPI app - Alerts or per-transaction caps can be set and much more