EaseMoney Unveils Key Credit Card Trends for 2025: UPI-Linked Credit, Cashback, and Fintech

ALWAR, India - March 23, 2025 - PRLog -- Easemoney, a leading Rajasthan based-fintech platform, has identified emerging credit card trends shaping India's financial landscape in 2025. With the rise of UPI-linked credit cards, personalized reward programs, and fintech-bank collaborations, the Indian credit market is evolving rapidly.

Key Credit Card Trends in India for 2025:

1. UPI-Linked RuPay Credit Cards Transforming Payments
The integration of RuPay credit cards with UPI is making digital payments more seamless and accessible. Consumers can now use their credit cards for merchant payments through UPI, eliminating the need for traditional POS transactions.

2. Growth in Tier-II and Tier-III Cities
Traditionally, credit card penetration was limited to Tier-I cities. However, with fintechs and banks expanding their offerings, credit accessibility is improving in cities like Surat, Gwalior, and Bhopal.

3. Cashback and Reward Evolution
Financial institutions are moving beyond traditional reward points. Fintech-backed credit cards, like the Jupiter EDGE RuPay Credit Card, are offering up to 10% cashback on popular e-commerce platforms such as Amazon, Flipkart, and Myntra.

news source: Jupiter EDGE RuPay Credit Card – Cashback & UPI Benefits (https://easemoney.in/news/jupiter-edge-rupay-credit-card-...)

4. Co-branded and Fintech Partnerships
Banks are collaborating with fintech firms to introduce specialized credit card products, such as the Federal Scapia Credit Card, offering enhanced travel benefits. These partnerships are expected to expand in 2025.

5. Rise of FD-Secured and Low-Limit Credit Cards
To cater to young professionals and self-employed individuals, banks are introducing FD-secured and low-limit credit cards, making financial inclusion easier.

Expert Insights

Nanne Parmar, fintech expert and finance author at Google Scholar, commented:

"India's credit card landscape is at a turning point. The UPI integration, fintech partnerships, and evolving reward structures are driving a digital-first revolution in consumer spending."