New Delhi, Feb. 5 -- Unified Payments Interface, orUPI, is one of the most convenient ways to carry out a transaction. Merely by scanning aQR code or by entering a few keys into your smartphone, you can transfer the money online.

Alternatively, you can use acredit cardthat needs to be swiped or touched at a PoS (point of sale) to transfer the money. However, there are a few credit cards which offer the UPI functionality, enabling users to link their UPI app to the credit card, instead of a savings bank account.

Notably, not allcredit cards have this facility. Typically, UPI functionality is offered throughRuPay credit cards and most of the top banks offer their own version of RuPay credit cards which can be linked to the UPI.

As per th...