India's Smartest Way to Pay
UPI Payments Supercharged with your RuPay Credit Card

Get your RuPay credit card and make instant UPI payments — faster, secure, and rewarding.

Instant UPI Payments Pay anyone, anytime
100% Secure Bank-grade security
Exciting Rewards Earn on every spend
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Light App and RuPay Credit Card
YES BANK ACE RuPay Credit Card
Easy Credit. Smarter Pay. Get your Card

One card. Endless possibilities. Experience the power of RuPay with Light App.

Explore Benefits
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Zero Joining & Annual Fee
Link with UPI app
Fuel Surcharge Waiver

on transactions ₹400 – ₹5000

8 Reward Points

on every ₹200 spent

*Limited Period Offer
New Look. New Rewards.

Same UPI.

Save more with exclusive offers, instant discounts, and everyday rewards — only on Light App.

8
Reward Points on every ₹200 spent
Top Brands Instant Discounts
1 App All Your Needs
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Save on Everyday Spending

Earn Light Coins everytime you complete a payment.

Instant Discounts, On Demand

Get lowest price deals and discounts on top brands.

Features that redefine the way you pay

Favourite Payee

Pin your friends, family and shops

In App Card Management

Manage limit, block/unblock & more

Expense Markup Magic

Stay in control of every spend

Efficient Issue Resolution

Quick support, faster solutions

Smart Spend Insights

Track, analyze and save more

Light Pay Features

More Value Powered by Light

In App Shopping

Shop within the app and get exclusive deals and discounts

In App Shopping
Rewards

Earn Rewards after shopping, paying your friends or family!

Rewards
Friend Indeed

Refer your friends and enjoy more rewards together

Friend Referral

One App For Credit, UPI and All Your Needs

Download the app, apply, and control your card — all in one place. One app. Limitless possibilities.

Scan to Download
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Available on Google Play App Store
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Frequently Asked Questions

Light is just days away from launching—and we're just as excited as you are! Our top priority is making sure the app is 100% safe, secure, and built for peace of mind. Sit tight, it's worth the wait!

Both! You'll get your virtual RuPay credit card right on time in the app. Your physical card will also be delivered straight to the address you choose.

Not at all! Your RuPay credit card from Light can be used for:
  • Linking with UPI within the Light app
  • Online shopping
  • Swiping at stores (PoS machines)
  • Contactless payments
  • And just about anywhere else a credit card works

To maximize your rewards, you can link multiple payment methods including:
  • Your bank account
  • Debit cards
  • RuPay credit card

According to UPI guidelines, credit cards—including RuPay—cannot be used for peer-to-peer transfers.
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Got Questions?

We're here to help! Reach out to our support team anytime.

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