This is a hack to get overall 1.75% value back on UPI transactions. Kiwi recently started to award 1 kiwi on every Rs. 100 on any linked Rupay credit card on the app. 1 Kiwi = 0.25 ps currently. So, if one adds their HDFC Tata Neu infinity Rupay credit card on the app and uses it for UPI one can gain 1.5 + 0.25 = 1.75% overall value back on UPI transactions. Cheers.
