Neutral impactSector
Rs 2,000-5,000 payments could become new battleground for cards and UPI
Economic Times 4 hrs ago·28 Sept 2026, 12:31 am
Credit card usage is shifting towards smaller, everyday payments as transaction volumes grow while the average ticket size shrinks. This trend is largely driven by the growing popularity of RuPay credit cards integrated with the Unified Payments Interface (UPI). This combination allows users to make low-value purchases at small merchants using their credit limit, effectively turning a credit card into a digital wallet.
For investors, this signals a structural change in the payments ecosystem. It highlights the increasing importance of the UPI network and the need for payment processors to adapt to lower-value, high-volume transactions. The sector is likely to see continued innovation in this space, making it a key area to monitor for long-term growth potential.
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