HDFC Bank and ICICI Bank have introduced a new feature that allows customers to access credit through the Unified Payments Interface (UPI). This innovation represents a significant development in the financial technology space, merging the convenience of digital payments with credit services. Customers can seamlessly use this feature for pay-later options, enhancing their financial flexibility and digital banking experience. The move by these leading banks underscores their commitment to innovation and customer-centric solutions in the ever-evolving financial sector. As digital payment methods continue to gain popularity, the introduction of credit services on UPI provides consumers with a more comprehensive and integrated banking experience, meeting their diverse financial needs through a single platform.