AirTap - Credit and EMI over UPI, Exclusive Offers

AirTap is the first credit payment system over the existing UPI infrastructure. Get the same perks, as you get from using your credit cards, for paying over UPI. It works where UPI works, i.e. everywhere.

You can scan a UPI QR code anywhere and avail one-tap credit and one-tap EMI at the point of purchase; be it a kirana store, a gym's annual fee, or a fat bill.
Get rewarded for every transaction through the AirTap app with exclusive offers from your favorite places nearby, such as salons, bars, cafes, restaurants, gyms, and more.

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* Get freedom from card payment terminals (POS) for using your credit cards.
* Sign Up with your phone number (preferably one that is registered with UPI).
* Take a selfie and upload PAN card's photo to initiate the KYC verification process.
* Get access to credit balance after KYC is approved.
* Get AirTap coins for every transaction in your vault.
* Pay your credit bill to unlock your AirTap coins from vault.
* Use AirTap coins to purchase best offers from nearby salons, bars, cafes, restaurants, gyms, dance classes, and more.
* Get up to Rs 5000 in the available limit for every credit cycle.
* Available credit limit could start lower and increases in time owing to good credit bill payment behavior, frequency of usage, and other factors.
* Get up to 15 days of interest-free time window to settle your credit bill.
* Every billing cycle is of 10 days, with 5 days to settle due amount if there is no ongoing bill default.
* Pay your due amount before the due date to recharge your available credit limit and shop uninterrupted.
* If you unfortunately fail to pay your due on time, an interest rate of 3% MPR is applied on the bill amount.
* Refer to your friends and earn AirTap coins when they sign up with your referral code. Get a higher credit limit when both yours and your friends' KYC is verified and approved.
* Contact support for any help or clarification.

Permissions Requested:
* Camera: To scan a UPI QR code
* Read Storage: To upload PAN card image
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What's New

Push notifications feature is live. Scan UPI QR code at any offline merchant to experience one-tap pay with credit. Earn 100 AirTap coins and Rs 50 extra credit on each referral. Earn more coins on each pay later transaction. Burn coins to purchase offers.
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Additional Information

February 22, 2020
Varies with device
Current Version
Varies with device
Requires Android
Varies with device
Content Rating
Offered By
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