The National Payments Corporation of India (NPCI) operates digital transaction platforms, Unified Payments Interface (UPI), and RuPay, contributing significantly to India’s push for a cashless economy. With the Reserve Bank of India allowing individuals to link credit cards to UPI, facilitating QR code payments, the move has both benefits and drawbacks. Streamlining transactions, simplifying bill payments, online shopping, and peer-to-merchant transfers, the integration enhances user experience. However, concerns arise over increased risk of overspending, highlighting the need for financial discipline, spending limits, and budgeting to mitigate potential drawbacks. Experts emphasize the revolutionary convenience of UPI-linked credit cards but stress responsible usage.