UPAYEMart is an everyday shopping ecosystem designed to make regular purchases more rewarding. Connected with the broader UPAYE Card ecosystem, UPAYEMart brings everyday essentials, shopping convenience and member benefits together on one digital platform. From groceries and personal care products to household essentials and regularly used food products, UPAYEMart is built around the products people purchase in their daily lives.
UPAYEMart is designed to go beyond conventional online shopping by connecting everyday consumption with a structured shopping-credit model. Members can join with a contribution in multiples of ₹10,000 and receive shopping credits that can be used toward eligible products available through the UPAYEMart ecosystem. The presentation describes a model in which a ₹10,000 contribution can provide up to ₹20,000 in cumulative shopping-credit value over a 20-month period, subject to applicable terms, product eligibility and usage conditions.
UPAYEMart combines everyday utility, structured shopping credits, digital convenience and member-oriented features within one connected ecosystem. Users can access categories such as Grocery, Personal Care, Household Essentials, and Food & Daily Essentials, making it easier to use the platform for products that are part of everyday life.
The UPAYEMart experience is also designed to complement the UPAYE Card ecosystem, bringing shopping and card-based benefits together. The presentation highlights an ecosystem connecting customers, merchants, products, payments and member benefits, creating multiple everyday use cases through the UPAYE and UPAYEMart platforms.
UPAYEMart is built around a simple philosophy: make everyday shopping more useful and rewarding. Members can shop for essential products, access applicable shopping credits, participate in the referral program and become part of a growing community. The referral model described in the presentation provides a 5% referral benefit based on eligible membership, subject to applicable terms and conditions.
Whether it is an individual managing regular purchases, a family looking for everyday essentials, a local merchant seeking greater customer engagement, or a working professional looking for convenient shopping, UPAYEMart is presented as an ecosystem designed around real-world everyday needs.
UPAYEMart — Everyday Essentials. Smart Credits. More Value.
Shopping credits are intended for eligible purchases through the UPAYEMart ecosystem and are subject to applicable terms, product availability, eligibility and usage conditions.
