<h1>Fintech launches India's first UPI-powered credit card with zero fees and instant three-installment conversions</h1> A fintech company launched India's first UPI-powered credit card and physical bank branch in Bengaluru. The UPI credit card offers no joining or annual fees, up to 3% cashback, and allows users to convert purchases into three interest-free installments. The company operates as a full-stack bank following its merger with a small finance bank, owning its entire infrastructure. The new branch features complete UPI integration, instant onboarding, self-service kiosks, and UPI ATMs accepting cash deposits and withdrawals, aiming to democratize credit access for underserved users.