Young adults below 40 years of age, constituting 78 per cent of the user base, are increasingly moving towards the adoption of 'Credit Cards on UPI', says a recent report by Kiwi, a credit-on-UPI platform. As per recent RBI data, till April India recorded around 320 million merchant acceptance touchpoints for UPI payments. These numbers surpass the 9 million point-of-sale (POS) terminals that are currently available for credit card payments, the report shows. The broad network of UPI transactions with the added benefit of accessibility and convenience has provided a significant push towards the rapid adoption of 'credit cards on UPI' over the past year.