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UPI allows to transfer funds to and from savings accounts directly using the BHIM app or other third-party UPI apps. NPCI has now integrated RuPay credit cards with the UPI platform to make payments directly using these cards.

Let us discover how convenient it has become to link RuPay credit card with the BHIM app and carry out transactions using your RuPay credit card on UPI.

How Integrating RuPay Credit Card with BHIM UPI has Benefitted Users

Linking RuPay credit card on UPI has benefitted users in many ways. Some ways are mentioned below:

  • It has made it quite convenient for users to use their credit cards to make purchases through UPI just by scanning the QR code of the merchant
  • This feature has led to an increase in the number of daily UPI transactions as people have now started linking their RuPay credit card to UPI
  • It has made transactions for merchants economical
  • Credit cards come with rewards and cashback. It will help the user in making more transactions from their credit card and eventually getting more rewards and cashback or credit card annual fee waiver
  • The facility will also eliminate the risk of card skimming at POS terminals

How to Link RuPay Credit Card on BHIM UPI

Linking your RuPay credit card on BHIM UPI is a quick and easy process. The below-mentioned steps explain how you can link your RuPay credit card with the BHIM UPI app:

RuPay-Credit-Card

Step 1: Open BHIM UPI app on your phone

Step 2: Enter your passcode

Step 3: Tap on the “Bank Account” option on the left side of your screen

Step 4: Click on “Add Account” on the right side of the screen below

Step 5: Select “Credit Card”

Step 6: Select the credit card issuer bank

Step 7: Select your credit card and confirm

Step 9: Click to view accounts

Step 10: Select account from available options

Step 11: Select UPI PIN

Step 12: UPI PIN has been set

Step 13: You can start making transactions now

How to Make Payments with RuPay Credit Card on BHIM UPI

The below-mentioned steps explain how to make payments with RuPay credit card on BHIM UPI:

Step 1: Scan the UPI QR code of the merchant

Step 2: Enter the amount that needs to be sent or the amount will be auto-fetched upon scanning

Step 3: Select your RuPay credit card from which the payment needs to be made and enter the UPI PIN

Step 4: The transaction will be done successfully

Do’s & Don’ts while making UPI Transactions from RuPay Credit Card

Do’s Don’ts
The user will have to allow the UPI app to read user’s SMS, contacts, and call history so that UPI can be linked to the user’s credit card Never share your UPI PIN with anyone
 Set up a different UPI PIN in order to authenticate credit card transactions on UPI, while you link your credit card on UPI Avoid keeping your credit card UPI PIN and card PIN same
Make sure you make payments only QR codes of merchants or e-commerce portals using credit card on UPI Never share OTP with anyone which you receive while doing the registration
 You can also set up UPI Autopay to make payments of your credit card bills on time Never breach the credit limit assigned by your bank
You need to keep your mobile number updated with your credit card issuing bank in order to link your RuPay credit card on UPI Don’t make payments using your RuPay credit card for categories such as person to person, digital account opening, lending platforms, cash withdrawal at merchant, cash withdrawal at ATM, card-to-card payment, ERUPI, IPO, foreign inward remittances, mutual funds and any other categories that are restricted by the issuing bank or RBI from time to time
Check your available balance and outstanding amount on UPI before you initiate any merchant payment

Banks that are Active with this Feature

Axis Bank Canara Bank
HDFC Bank Indian Bank
Kotak Mahindra Bank Punjab National Bank
Union Bank Paytm Payments Bank
                                                              YES Bank

UPI Applications that allow to Link RuPay Credit Card

  • BHIM
  • Google Pay
  • Paytm
  • PayZapp
  • PhonePe
  • Slice
  • MobiKwik
Most Asked Questions

I have forgotten my UPI PIN, how can I regenerate?

It is easy to regenerate your UPI PIN. Select the credit card account for which you need to generate UPI PIN, select ‘Forgot UPI PIN’ from the drop down menu and follow the steps to generate your new UPI PIN.

Can I link my Visa/Mastercard credit card on UPI?

No. Currently, only RuPay credit cards can be linked on UPI.

How many RuPay credit cards can I link on UPI?

There is no restriction on linking the number of RuPay credit cards on UPI.

Is it possible to make my linked credit card as a default account to receive money?

No. You cannot make a credit card account as your default option to receive money.

 

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