Credit Cards on UPI is planned, but pending approval from the central bank: https://indianexpress.com/article/business/banking-and-finance/credit-card-on-upi-np

Credit Cards on UPI is planned, but pending approval from the central bank: https://indianexpress.com/article/business/banking-and-finance/credit-card-on-upi-npci-in-talks-with-banks-for-pilot-8046563/ https://indianexpress.com/article/business/banking-and-finan... As it stands, it's common infra for a lot of instant settlements in the country, including payments for toll-booths at highways.