"Analysts said, RuPay has recently gained momentum in the credit-card ecosystem due to the availability of credit cards on the Unified Payments Interface (UPI) platform. They said that currently, RuPay's share in the credit-card market is around 16 per cent as against about 3 percent two years ago, they added. In late 2022, the Reserve Bank of India (RBI) had given the approval to link RuPay credit-cards only to UPI."