How to Link RuPay Credit Card With UPI

RuPay Credit Cards can be linked to UPI apps like Google Pay, Paytm, PhonePe, and BHIM, allowing cardholders to make UPI payments using credit cards. Available exclusively on RuPay credit cards, this feature brings credit directly into everyday UPI usage – whether it is small everyday payments at local vendors or restocking groceries at supermarkets. Users get the ease of UPI with the advantages of credit cards, including rewards or cashback, an interest-free period and more secure payments.

You can simply scan a merchant QR, choose your RuPay credit card as the payment mode, and authenticate the transaction using a UPI PIN. If you are a first-time RuPay Card user, read on to know how to link RuPay credit cards to UPI.

How to Link RuPay Credit Card with UPI (Step-by-Step Guide)

• Step 1: Open any UPI App
  Open a UPI app of choice, like PhonePe, Google Pay, Paytm, or BHIM. Make sure it’s updated
• Step 2: Go to Payment Settings
  Navigate to the UPI or Payment Settings section
• Step 3: Tap on Add RuPay Credit Card
  Select “Add RuPay Credit Card on UPI” or similar option
• Step 4: Enter Card Details
  Input your RuPay credit card number, expiry date, and CVV
• Step 5: Verify with OTP
  Enter the OTP sent to your registered mobile number
• Step 6: Set a UPI PIN
  Create a UPI PIN for your credit card to enable transactions

Explore Best Lifetime-free RuPay Credit Cards to maximise savings on UPI spends at minimal cost.

Benefits Of Linking Your RuPay Credit Card To UPI

• Make quick and convenient payments online or at stores directly from your mobile phone, without carrying cash or cards.
• The billing cycle allows you to choose when to pay which provides you with financial management options.
• You can earn cashback, reward points and discounts when you spend on everyday expenses.
• RuPay credit card protects transactions through multiple security layers which include UPI PIN and OTP authentication and data encryption.
• You can easily track your spending, pay bills and transfer funds to experience faster, safer and more beneficial digital payment methods.

Quick Tips to link RuPay Credit Card with UPI

Given below are some do’s and don’ts consumers should follow before linking a credit card to UPI:

Do’s:

• Set a unique UPI PIN: Always create a 4- or 6-digit PIN specifically for your RuPay credit card. This protects your card from unauthorized access and keeps your banking and credit card transactions separate.
• Use trusted UPI apps: You should only link your RuPay card with official apps that include BHIM, Paytm, PhonePe and Google Pay because these apps provide secure transactions and access to the latest security features.
• Monitor your transactions: You should check your payment history together with your SMS and email alerts because these two methods will help you find any unusual activity that occurs.
• Pay your full balance on time: The practice of paying your complete credit card balance during each month will protect you from interest charges while boosting your credit score maintenance.
• Use rewards and cashback programs wisely: You should track your eligible transactions because this will help you redeem points or cashback responsibly which allows you to get maximum value from your card.

Don’ts 

• Protect Your Credentials: You must not share your UPI PIN, OTP, CVV, and expiry date with anyone because this will protect you from fraud and unauthorized transactions.
• Merchant-Only Payments: The RuPay credit card on UPI operates exclusively for merchant payments, as you cannot use it for person-to-person (P2P) transfers.
• Check Your Credit Limit: You must check your available credit before making any payments because exceeding your credit limit will result in declined transactions and overspending.
• Limit Credit Applications: The process of applying for multiple credit cards simultaneously should be avoided because it leads to multiple hard inquiries, which result in an adverse effect on your credit score.

FAQs

Why is my RuPay credit card not showing in UPI apps?

Your RuPay credit card may not show in UPI apps if it’s newly issued (taking 24–48 hours), your mobile number isn’t registered, the bank doesn’t support UPI onboarding, or due to technical glitches. Other reasons include using a non-RuPay card or having multiple customer IDs causing mismatches.

Is RuPay credit card UPI available for all banks?

Yes, RuPay credit card UPI is increasingly available as major banks expand their offerings. Consumers can now find multiple RuPay credit card options across the network, allowing seamless UPI payments for merchant transactions through popular apps, making it easier to enjoy rewards and cashback benefits.

Suggested Reads: HDFC Bank UPI RuPay Credit Card | Kotak UPI RuPay Credit Card | Axis Bank Rupay Credit Card

Can I earn rewards on RuPay credit card UPI payments?

Yes, you can earn rewards, cashback, and loyalty points on RuPay credit card UPI payments. For example, SBI RuPay Credit Cards and ICICI RuPay Credit Cards offer rewards for UPI transactions, often with accelerated points for payments above Rs. 2,000. These rewards typically apply to merchant transactions via apps like Paytm, PhonePe, and Google Pay.

Are there any charges for RuPay credit card UPI transactions?

RuPay credit card UPI transactions generally have no direct charges for consumers, especially for amounts up to Rs. 2,000. For transactions above Rs. 2,000, merchants may pay a Merchant Discount Rate (MDR) of 1.1%–1.9%, which could sometimes indirectly affect consumers. Check with your bank for card-specific fees.

Can I withdraw cash using RuPay Credit Card on UPI?

You cannot withdraw cash via UPI using a RuPay credit card, as UPI is only for digital payments, transfers, and bill payments. However, like other credit cards, RuPay cards do allow cash withdrawals at ATMs, but these come with high interest and fees. 

Can I earn rewards on RuPay credit card UPI payments?

Yes, you can earn rewards, cashpoints, or cashback on UPI payments made using a linked RuPay credit card, depending on your card issuer’s reward structure and applicable terms and conditions.

Why is my bank not supporting RuPay credit cards on UPI?

RuPay credit cards on UPI may not work if your bank hasn’t enabled the feature, the card isn’t a RuPay variant, or the merchant doesn’t accept credit cards–based UPI (P2M only). This functionality is limited to Person-to-Merchant payments and cannot be used for peer-to-peer transfers.

What steps should I take if I encounter difficulties while connecting my RuPay credit card to UPI?

If you face issues connecting your RuPay credit card to UPI, ensure your card is activated, your mobile number is registered with the bank, and your UPI app is updated. You can also clear the app cache, verify the card is supported, and contact your bank if problems persist.

Is RuPay credit card better than Visa for UPI?

Yes. In India, RuPay credit cards are currently the only cards that can be linked directly to UPI apps like BHIM, Paytm, PhonePe, and Google Pay for QR code payments. This enables seamless digital payments with often no transaction fees and higher domestic acceptance.

Can I use RuPay credit card UPI for merchant payments only?

Yes, RuPay credit card UPI is designed for merchant (P2M) payments only. You can scan QR codes or pay online via UPI apps, but they cannot be used for P2P transfers, cash withdrawals, or bank transfers. Linking an enabled RuPay credit card to apps like BHIM, Google Pay, or Paytm is required.

Does RuPay credit card work internationally?

Yes, RuPay credit cards work internationally through partner networks. They can be used at POS terminals, online, and ATMs abroad, but international usage must be activated before travel.

Can I link multiple RuPay credit cards to UPI?

Yes, you can link multiple RuPay credit cards from different banks to a single UPI app. Each card is added separately with its own UPI PIN, allowing you to choose which card to use for merchant (P2M) payments via QR codes. P2P transfers and ATM withdrawals aren’t supported.