Following the approval, the company has launched ZET UPI, allowing users to make UPI payments using RuPay credit cards issued through its platform. The feature enables credit card-linked UPI transactions, extending card-based credit usage to routine, low-value payments typically made via UPI.
ZET said the integration leverages RuPay’s UPI-on-credit-card framework, which allows users to route UPI payments through a credit line rather than a linked bank account. The company’s UPI offering is powered by Juspay’s technology stack and supported through a banking partnership with RBL Bank.
With the launch, ZET credit card users with an active subscription plan are eligible for cashback benefits on UPI transactions, in addition to existing card-linked rewards. The company did not disclose expected transaction volumes or timelines for wider rollout.
The move comes amid growing efforts by fintech firms to combine digital payments with credit-building tools, particularly for first-time borrowers and users with limited credit history. ZET has positioned its platform around secured credit cards as a means to help credit-invisible users establish and improve their credit scores through regular usage and repayment behaviour.