The UPI ecosystem in India is expanding rapidly, and credit cards are now becoming a key part of this digital transformation. Kiwi, a fast-growing fintech platform, has already partnered with Yes Bank and AU Small Finance Bank to launch co-branded credit cards.

Now, Kiwi has collaborated with Punjab National Bank (PNB) to introduce the PNB Kiwi UPI Credit Card, enabling users to earn cashback on every UPI payment.

Online shopping has become very common in India. You can get anything you need, like clothes or gadgets, quickly and easily online with just a few clicks. Using a credit card while shopping online not only makes payments easier but also helps you get cashback, discounts, and other rewards.

Splitting a credit card payment refers to dividing the total amount of a bill or purchase between multiple payment methods, such as using two credit cards, a combination of a credit card and cash, or a credit card and a debit card. It is often used by people who want to manage spending across different accounts or do not have enough limit on a single card.

Fuel stations are one of the most common places people swipe their credit cards. Whether you’re commuting to work or going on a road trip, using your card at the petrol pump is fast and convenient. But it also comes with hidden risks. Many fraudsters target fuel stations because people often use cards carelessly there.

Many people in India use credit cards for shopping, paying bills, and handling their monthly expenses. People often wonder if they should pay their credit card bill before the due date or wait until the last day. Some believe paying early is better, while others think it doesn’t make a difference as long as you pay on time.

Amit Verma is a packaging manufacturer from Pune. His factory is running at full capacity and he already has confirmed orders worth ₹80 lakh. The challenge is that his clients pay after 60 days, while he needs ₹25 lakh immediately to buy raw materials and keep production going. He also does not have any property to offer as collateral.

Student credit cards are very helpful for young people in India. In 2026, many banks and fintech companies are offering easy-to-use credit cards specially made for students and first-time users. These cards help students pay for daily expenses and also start building a good credit history at an early age. Students can use them for online shopping, food delivery, travel bookings, subscriptions, and study-related payments.

Getting your first credit card can feel confusing, especially when every bank claims to offer the “best” card. In 2026, Indian banks are providing many beginner-friendly credit cards with simple rewards, low fees, cashback offers, and easy approval for first-time users.

If you are a student, salaried employee, freelancer, or someone with no CIBIL score, choosing the right starter credit card can help you build a strong financial profile and save money on daily spending.

Personal loans have become one of the most popular credit options in India. Whether it is a medical emergency a home repair a wedding requirement or a sudden expense most people look for a quick and simple way to access funds. Personal loans offer fast approval easy documentation and complete flexibility on how the money is used. These benefits make them convenient but they also come with some risks that every borrower must understand.

India’s travel credit card market is growing fast. More people now use credit cards for flight bookings hotel stays and daily spending. In this competitive space, Axis Bank has partnered with IndiGo to launch two new co-branded credit cards in India.

IndiGo already offers airline credit cards with Kotak Mahindra Bank, State Bank of India and IDFC First Bank. Now Axis Bank is set to join this list. While many travelers are waiting for co-branded cards from Air India, IndiGo is clearly expanding its own credit card portfolio.

AU Small Finance Bank has expanded its credit card portfolio by launching four new cards named Ananta, Lakshya, Tejas and Prathama. These cards come with a modern design and names inspired by Indian heritage.

The overall look and positioning feel premium, but the reward structure is simple and easy to understand. This follows AU Bank’s strategy of offering straightforward benefits that are suitable for a wide range of users.

Your CIBIL score is a simple number that shows how you handle money and credit. Banks and loan companies in India check this score before giving you any loan or credit card. If your score is around 600, it becomes difficult to get approval. Even if you get a loan, the interest rate can be very high.

Many people only realize the importance of their credit score when a loan becomes more expensive than expected or an urgent approval is delayed. It can feel stressful because your score acts like a silent judge you never had a chance to prepare for. The good news is that improving your CIBIL score does not require drastic changes. With consistent small actions over 30 days, you can make a noticeable difference.

Many people in India have one credit card and later get an offer for another card from the same bank. This often makes them wonder if having multiple credit cards from the same bank is a good idea.

The simple answer is yes. Most banks allow customers to have more than one credit card if they meet the eligibility requirements. However, whether it is a good decision depends on your spending habits and financial management.

Have you ever seen a loan with very low EMIs and thought “This looks perfect for my budget”? Many people in India feel the same. Lower monthly payments always look attractive especially when managing rent, bills, school fees and daily expenses.

But there is something important hidden behind some low EMI loans. At the end of the loan, you may have to pay one very large amount. This is called a Balloon Payment.