New Delhi, Feb. 24 -- If you use acredit card and are obsessed with online payments at the same time, you may want to exploreUPI credit cards.

While UPI allows you to make payments directly via bank account, a credit card helps you make use of credit for carrying out transactions. UPI credit card, therefore, helps you give the best of both worlds where you make instantonline payments via digital interface without having to record that transaction in your bank account.

This is how it works: If you make a Rs.50 payment every day for 30 days, the UPI enables you to transfer those 50 bucks straight from your bank account to the merchant. However, your savings bank account shows 30 transactions over a period of 30 days.

On the other hand, i...