Credit Cards, July 18 -- When you apply for a credit card, you might look for a number of factors including the features, reward points and importantly -- the issuing bank. Have you ever thought that there could be a scenario wherein the issuing bank does not matter at all?

Yes, sounds strange but true! We are talking about the RuPay credit cards. These cards fall under one broad umbrella of RuPay (by NPCI) which allows the cardholders to link their cards to UPI. After a credit card is linked to the UPI, one can transfer money through UPI but instead of money getting debited in real time, it is reflected in the credit card statement. Then at the end of the monthly billing cycle, you can clear your credit card bill as you enter the next c...