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Credit card UPI lifts RuPay volume mkt share to 38%
Mint Hyderabad
|October 29, 2025
Homegrown credit card network RuPay has quietly wrestled market share from Visa, MasterCard and American Express, leveraging its exclusive access to India's fast payments network Unified Payments Interface or UPI.
The three global networks have so far not been allowed to use UPI as an underlying payments platform.
RuPay credit card transactions on UPI currently account for 38% of all credit card transactions in India by volume and about 8% by value, shows data from Bernstein Securities report on 27 October. The brokerage did not mention a time period for this data.
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