Paying with a RuPay credit card through UPI apps is pretty straightforward once you link your card. Currently, only RuPay credit cards can be linked to UPI, not Visa or Mastercard, and the payment feature works only for merchant payments, not person-to-person transfers. To link your card, download a supported UPI app like BHIM or PhonePe, register, and select “Credit Card” as account type. After choosing your bank and confirming the masked card linked to your mobile number, set up a UPI PIN for transactions. When paying merchants offline or online, just pick your linked RuPay credit card in the app and authenticate with the UPI PIN. It’s simple and secure for daily purchases under transaction limits.
What Is RuPay Credit Card Payment Through UPI Apps?
RuPay credit card UPI payment apps allow users to link their RuPay credit cards to popular UPI platforms and make payments directly using their credit limit instead of their bank account balance. This feature is currently exclusive to RuPay credit cards, so Visa and Mastercard credit cards cannot be used this way yet. When you pay using your RuPay credit card on UPI, it works only for merchant payments (P2M), meaning you cannot send money person-to-person or transfer funds to bank accounts via credit card. The process is quick and secured by requiring your UPI PIN every time you make a payment. You can use this method to pay both offline merchants by scanning QR codes or online merchants during e-commerce checkouts. Instead of debiting your savings or current account, the linked RuPay credit card acts as the payment source, enabling digital credit card use without sharing physical card details. This service is regulated by the National Payments Corporation of India and participating banks under UPI guidelines, ensuring security and compliance. Payments made through this mode appear on your credit card statement just like any other credit card transaction. This adds a useful option for users who prefer paying with credit cards digitally while enjoying the convenience and safety of UPI-based payments.
Which Banks Support RuPay Credit Cards on UPI?
Currently, 23 banks support linking RuPay credit cards with UPI apps, making this payment option increasingly accessible. Major public sector banks like Punjab National Bank, Union Bank of India, Indian Bank, Canara Bank, Axis Bank, and HDFC Bank are part of this group. Private sector banks such as Kotak Mahindra Bank, Yes Bank, ICICI Bank, IndusInd Bank, and RBL Bank also offer this facility. Additionally, smaller and regional banks like AU Small Finance Bank, Federal Bank, City Union Bank, and IDFC First Bank support RuPay credit card linking on UPI. Even SBI Cards enables its RuPay credit cardholders to link their cards for UPI payments. Each bank may have slight differences in the linking process or transaction limits based on their risk policies. Because of this, customers should check with their issuing bank to confirm eligibility, specific terms, and limits. Banks continue updating their systems to broaden access, which plays a key role in expanding the reach of RuPay credit card payments on UPI platforms.
UPI Apps That Allow Linking RuPay Credit Cards
Several popular UPI apps now support linking RuPay credit cards, making it easier for users to pay digitally using their credit lines. Key apps like BHIM, PhonePe, Google Pay, and Paytm have integrated this feature, allowing seamless payments at merchant outlets both offline and online. Beyond these, apps such as MobiKwik, Slice, PayZapp, Amazon Pay, Groww, Cred, and Jupiter also enable RuPay credit card linking, catering to a wide variety of user preferences. Samsung Wallet, Navi, FreeCharge, Jio Finance, Tata Neu, and Bajaj Finance Ltd. have added this capability as well, further expanding options in the ecosystem. Additionally, several bank-specific apps like PNB One, BoB World UPI, and IDFC First support RuPay credit card linkage, offering direct integration with banking services. The growing number of apps reflects a rapid expansion driven by user demand and improved partnerships between banks, NPCI, and app providers. While the linking process is generally similar across apps, some may have unique interfaces or additional steps, so users should ensure they are running the latest app versions for smooth setup and transaction experience. Availability and specific features can vary depending on the app’s partnerships with banks and compliance with regulatory guidelines. Overall, this expanding ecosystem gives users more freedom to choose their preferred UPI platform for making RuPay credit card payments conveniently.
Step-by-Step Guide to Link Your RuPay Credit Card on UPI
To link your RuPay credit card on a UPI app, start by downloading and installing a supported app like BHIM or PhonePe. Open the app and register or log in using the mobile number linked to your bank account and credit card. Next, go to the option to add a new payment method and select ‘Credit Card’ as the account type. From the bank list, choose the one that issued your RuPay credit card. The app will then show masked RuPay credit card numbers associated with your mobile number. Pick the credit card you want to link for UPI transactions. After confirming your selection, you will be asked to set up a UPI PIN for that credit card. For verification, enter the last six digits of your credit card and its expiry date as prompted. Complete any additional verification steps required by the app or bank. Once linked successfully, your RuPay credit card will appear as a payment option for merchant payments within the UPI app, ready for use at supported outlets or online stores.
How to Set and Manage UPI PIN for RuPay Credit Cards?
To use your RuPay credit card for payments through UPI apps, setting a UPI PIN is mandatory as it authorizes each transaction securely. In your UPI app, go to the section where your linked accounts are listed and select your RuPay credit card. If you are setting up the UPI PIN for the first time, choose the ‘Set UPI PIN’ option. You will be asked to enter the last six digits of your credit card number along with the card’s expiry date to verify your identity. Follow the app’s prompts to create a secure 4- or 6-digit PIN. If you already have a UPI PIN and want to change it, select ‘Change UPI PIN’ and provide your existing PIN followed by the new one. In case you forget your UPI PIN, most apps offer a ‘Forgot UPI PIN’ option that lets you reset it after confirming your identity, usually through the card details and OTP verification. Managing your UPI PIN carefully is crucial since it ensures that only you can approve payments with your linked RuPay credit card. It’s a good habit to update your PIN periodically to reduce the risk of unauthorized use. Always keep your UPI PIN confidential and avoid sharing it with others to maintain the security of your digital payments.
Making Payments with RuPay Credit Card via UPI Apps
To pay with your RuPay credit card at offline merchants, start by opening your UPI app and choosing the QR code scan option. Scan the merchant’s displayed UPI QR code to begin the payment process. Enter the amount you need to pay and then select your linked RuPay credit card as the payment source instead of your bank account or debit card. Confirm the payment by entering your UPI PIN, which authenticates the transaction securely. Once done, both your app and the merchant’s system will show a confirmation of the successful payment.
For online payments, the process is just as straightforward. When checking out on an e-commerce site or any online merchant, select UPI as your payment method. This will prompt you to open your chosen UPI app. After logging in and verifying your identity, pick your linked RuPay credit card as the payment source. Authorize the transaction by entering your UPI PIN. Once the payment is processed, you will receive a confirmation message and be redirected back to the merchant’s webpage.
It’s important to note that all transactions made through RuPay credit cards on UPI will appear on your credit card statement like any other credit card charges. This means you can track your spending easily and manage your payments just as you would with regular credit card transactions. This method offers a secure and convenient way to use credit for digital payments without needing to carry your physical card or enter card details online.
Transaction Limits and Fees for RuPay Credit Card Payments
When using RuPay credit cards for payments through UPI apps, transaction limits are determined by the lowest value among your credit card’s overall limit, any spending limits you’ve set yourself, and your bank’s risk-based restrictions. Generally, daily transaction limits hover around ₹1 lakh per card, though some merchants may allow payments up to ₹2 lakhs. Linking your RuPay credit card to a UPI app is free of charge, and most transactions do not carry extra fees. However, certain merchant categories, such as fuel stations, may apply surcharges. For small offline merchants, payments up to ₹2000 are usually free from fees, making it convenient for everyday expenses. It’s important to check with your issuing bank for specific transaction caps and any applicable fees, as these can vary based on the credit card type and your risk profile. If fees do apply, they will be clearly displayed during the payment process before you confirm the transaction. Also, UPI apps themselves do not charge separately for RuPay credit card transactions. Keeping an eye on your transaction limits can help you avoid payment failures due to exceeding allowed amounts, ensuring smoother and uninterrupted use of your RuPay credit card on UPI platforms.
Restrictions on Using RuPay Credit Cards with UPI
When paying with RuPay credit cards through UPI apps, there are important restrictions users need to be aware of. Payments are allowed only for merchant transactions (P2M), meaning you cannot use your RuPay credit card on UPI to send money directly to friends, family, or other individuals (P2P). Also, transferring money from your RuPay credit card to bank accounts or digital wallets is not permitted. Certain merchant categories are blocked to prevent misuse, these include digital account opening, lending platforms, cash withdrawals (both at merchants and ATMs), e-RUPI payments, IPO subscriptions, foreign inward remittances, and mutual funds. For example, even if a lending platform accepts UPI payments, RuPay credit cards cannot be used for such transactions. Cash advances through UPI using RuPay credit cards are strictly prohibited. These restrictions are enforced by banks and the National Payments Corporation of India (NPCI) to curb fraud and misuse. Additionally, some merchants may not accept RuPay credit card payments via UPI due to category restrictions, so it’s a good idea to confirm merchant eligibility before making a payment. While not all UPI apps may enforce these rules uniformly, banks ensure compliance during transaction processing. Attempting transactions outside these guidelines may lead to failure or even temporary blocking of your credit card features on UPI.
Extra Features Available with RuPay Credit Card on UPI Apps
UPI apps offer several useful features when you link your RuPay credit card, going beyond just making payments. You can easily check your current credit card balance and available credit directly within the app, helping you keep track of your spending in real time. These apps also let you pay your credit card bills using linked bank accounts, making bill management more convenient. Setting up recurring payments and subscriptions is simple with UPI AutoPay, which supports automatic deductions from your linked RuPay credit card. Many apps provide detailed transaction history and statements for credit card payments, so you can review your expenses without needing to log into your bank separately. If you encounter any disputed payments, you can initiate chargeback or refund requests through the UPI app’s support system. Real-time payment notifications ensure you stay updated on every transaction made with your RuPay credit card via UPI. Additionally, offers, cashback, and rewards linked to your RuPay credit card often apply to UPI transactions, adding value to your payments. Some UPI apps even allow you to link and manage multiple RuPay credit cards simultaneously, with an option to quickly switch between payment sources for added convenience. This integration streamlines the entire process of managing credit card payments and monitoring your expenses digitally in one place.
How to Update Your Mobile Number for RuPay Credit Card on UPI?
Before you can use your RuPay credit card on UPI apps after changing your mobile number, you need to update the new number with your credit card issuing bank. This is essential because the mobile number linked to your credit card serves as the key identifier for displaying and authenticating your card in UPI apps. You can update your mobile number by contacting your bank’s customer service or through net banking or mobile banking platforms offered by your bank. Once the bank confirms the update, the old mobile number linked to your RuPay credit card becomes invalid for UPI transactions.
After your bank updates the mobile number, you must re-register or re-link your RuPay credit card in the UPI app. This step is crucial because the UPI app fetches linked cards based on the registered mobile number, so failing to update and re-link means your credit card will not appear for selection during transactions. Some UPI apps provide options to refresh or update linked credentials after a mobile number change, which can simplify the process.
Make sure the new mobile number is active and able to receive OTPs and bank communications, as these are required to complete linking and payment authentication. To avoid service interruptions, keep your mobile number consistent across both your bank records and UPI app profiles. Regularly verifying the mobile number linked to your RuPay credit card ensures a smooth payment experience without unexpected failures or card invisibility in the app.
App-Specific Details for Using RuPay Credit Cards on UPI
Different UPI apps have varying ways to support RuPay credit cards, but all follow RBI and NPCI guidelines to ensure secure and smooth payments. For instance, the BHIM app fully supports linking and transacting with RuPay credit cards, offering a simple and straightforward interface for setup and payments. Paytm users can find a dedicated option named “Link RuPay Credit Card on Paytm UPI,” which makes the process easy and intuitive within the app. Popular apps like Google Pay, PhonePe, and MobiKwik have integrated RuPay credit card support, allowing users to add their cards and pay merchants using credit seamlessly. Slice app also supports RuPay credit card linking, catering to users who prefer credit card payments via UPI on its platform. Other apps such as Amazon Pay, Groww, Cred, and Jupiter are progressively enabling this feature, expanding choices for users. Additionally, newer entrants like Samsung Wallet, Navi, FreeCharge, Jio Finance, Tata Neu, and Bajaj Finance Ltd. have started integrating RuPay credit card linking, reflecting the growing support across the ecosystem. Users need to explicitly select the credit card account type when linking their card to identify it correctly as a RuPay credit card. In most supported apps, the RuPay credit cards linked to the user’s registered mobile number automatically appear for selection during setup, simplifying the process. Setting and managing the UPI PIN for the RuPay credit card happens within each app and usually requires entering the last six digits of the card number along with the expiry date for verification. While the user interface and exact steps may slightly differ between apps, the overall flow for linking and paying with RuPay credit cards on UPI remains consistent and user-friendly.
Simple Steps to Pay Using RuPay Credit Card on UPI
To pay with your RuPay credit card through UPI apps, start by downloading a supported UPI app like BHIM, PhonePe, or Google Pay. After installing, register or log in using the mobile number linked to your credit card and bank account. Next, add a new payment method by selecting ‘Credit Card’ as the account type. Choose your credit card issuing bank from the list, and the app will show RuPay credit cards linked to your number. Select the card you want to use and proceed to set up your UPI PIN by entering the last six digits of your card and its expiry date.
When making an in-store payment, open your UPI app and tap on the scan QR code option. Scan the merchant’s QR code, enter the payment amount, and pick your linked RuPay credit card as the payment source. Confirm the payment by entering your UPI PIN. For online payments, choose UPI as the payment mode during checkout, open your UPI app, select the linked RuPay credit card, and authenticate with your UPI PIN. Once authenticated, the payment will process, and you will see a confirmation screen indicating the transaction is complete. These steps ensure a smooth and secure way to use your RuPay credit card for merchant payments via UPI.
- Download and install a UPI app that supports RuPay credit card linking, such as BHIM, PhonePe, or Google Pay.
- Register or log in to the UPI app using your mobile number linked to your bank and credit card.
- Choose the option to add a new payment method and select ‘Credit Card’ as the account type to link.
- Pick your credit card issuing bank from the provided list in the app.
- The app will display RuPay credit cards linked to your registered mobile number; select the desired card to link.
- Set up your UPI PIN for the credit card by entering the last 6 digits of the card number and card expiry date as requested.
- To make a payment in-store, open the UPI app, select the scan QR code option, and scan the merchant’s QR code.
- Enter the payment amount, choose your linked RuPay credit card as the payment source, and confirm by entering your UPI PIN.
- For online payments, select UPI as the payment mode at checkout, open your UPI app, select the linked RuPay credit card, and authenticate with your UPI PIN.
- After authentication, the payment will process and a confirmation screen will appear, completing the transaction.
Mary Burns is a dedicated writer focusing on health and fitness topics. With a passion for promoting wellness and vitality, Mary shares her knowledge and expertise through engaging and informative blog posts.
