Light - The Bharat Dream
Every UPI Payment Made Seamless – Groceries, Bills, Shopping, And More, Now With The Power Of Credit Cards Built Right Into The Light App.
You Have The Power Now.
Light was founded to solve a growing gap in digital payments—combining the ease of UPI with the flexibility of credit cards. As UPI became the default method for everyday transactions, users still lacked the option to use their credit cards seamlessly within that ecosystem. Light was created to bridge this gap by offering a simple, secure, and unified platform that enables credit card payments through UPI. The goal is to empower users with smarter payment choices, better control over finances, and the ability to access credit without friction.
Pay on UPI
Scan, send to a contact, or pay any UPI ID — settled the moment you confirm.
Credit inside UPI
Link your RuPay credit card and spend on credit wherever UPI already works.
Earn as you spend
Light Coins on payments, plus instant discounts across the in-app store.
Our Core Values
The principles that guide every product decision we make at Light.
User First
Every feature starts with one question — does this make life easier for the person holding the phone?
Trust & Safety
Money deserves certainty. Payments run on regulated bank and UPI rails, and we say plainly who we work with.
Speed & Simplicity
One clear action per screen. We cut the steps between deciding to pay and being done.
Inclusive Finance
Credit should not depend on where you live or who you know. Light is built for every Indian.
Continuous Innovation
Payments in India move fast. We keep shipping so the app in your pocket keeps up.
Sustainable Growth
Responsible, long-term growth for our users, our partners and our team — not growth at any cost.
Inside The Light App
One app for paying, borrowing and saving — here is what that looks like.
Everything UPI, in one place
Pay a contact, a UPI ID or a QR at the counter. Bank transfers, self transfers and a full transaction history sit one tap away, and UPI Lite clears small amounts without a PIN.
- Bank transfer, pay contacts, UPI ID and self transfer
- UPI Lite for small payments without a PIN
- Every payment, in and out, in one history
A RuPay credit card that lives inside UPI
Apply in the app, get your virtual card, and link it to UPI. Manage the limit, block and unblock, and watch every spend land in your insights — no separate app, no waiting.
- Apply and track your application in-app
- In-app card controls and spend insights
- Issued in partnership with YES BANK
Light Coins on the things you already buy
Earn coins every time a payment goes through, then spend them in the in-app store where brand offers and instant discounts sit alongside your everyday shopping.
- Light Coins on payments and shopping
- Instant discounts from brands in Shop & Save
- Refer a friend and you both earn
Getting Started Takes Minutes
Three steps from download to your first payment.
Download & verify
Install Light, confirm your number and set your Light PIN.
Link your money
Add your bank account, and your RuPay credit card when you are ready.
Start paying
Scan, pay and start collecting Light Coins on every transaction.
Dream Team Of Bharat Dream
