Is there a transaction amount limit for using a linked Credit Card on UPI?

Yes, RuPay Credit Card transactions through UPI are subject to applicable UPI transaction limits and the limits set by the issuing bank. The amount you can pay depends on your available credit limit, the bank's UPI-specific limit, any limit you have set on the card and applicable transaction-category restrictions. The permitted amount may also vary by merchant category. Check your issuing bank's latest guidelines and your UPI app for the applicable limit.

What is RuPay Credit Card: Benefits and Uses

RuPay is India’s domestic payment network developed by NPCI. RuPay Credit Cards can be used for online and offline purchases. Their key benefit is the ability to link eligible cards to supported UPI apps and make payments at participating merchants. Read on to know the details about RuPay Credit Cards, how they work, benefits, fees and more.

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What is RuPay Credit Card?

RuPay is India’s domestic payment network developed by NPCI. Credit cards issued on this network are known as RuPay Credit Cards. These cards can be used across the globe to make purchases at POS terminals or withdraw cash from ATMs. The most important feature of a RuPay Credit Card is that it can be linked with any UPI app and used to make UPI payments. This facility is currently not available with any other payment network in India.

How Does a RuPay Credit Card Work?

A RuPay Credit Card works just like any other credit card. You can use it to make online and offline purchases or to withdraw cash from ATMs, as per your available limit and the card issuer’s terms and conditions.

How Does RuPay Credit Card Work with UPI?

You can link your RuPay Credit Card to any UPI app like Google Pay, PhonePe or Paytm. Once added to the app, you just have to select the card when making a UPI transaction and the amount will be charged to your credit card. Note that RuPay Credit Cards can only be used for Person-to-Merchant (P2M) UPI transactions and not for peer-to-peer transfers.

Benefits of RuPay Credit Cards

Benefit	Description
UPI Payment Convenience	Eligible RuPay Credit Cards can be linked to supported UPI apps, allowing you to pay by scanning QR codes without carrying your physical card.
Earn Rewards on Eligible Spends	Depending on the card, you can earn reward points or cashback on eligible purchases, including UPI payments.
Interest-Free Credit Period	Get an interest-free period on eligible purchases, subject to the card's billing cycle and repayment terms.
Easy Online and Offline Payments	Use your card at online platforms and physical stores.
EMI Conversion Facility	Convert eligible purchases into EMIs, where supported by the issuing bank and subject to applicable terms and charges.
Exclusive Offers and Discounts	Access bank-specific or network-partner offers on categories such as shopping, dining, travel and more.
Additional Card Benefits	Some RuPay Credit Cards offer perks such as airport lounge access, insurance coverage and milestone rewards.

Types of RuPay Credit Cards

RuPay Credit Cards come in 3 different tiers-

RuPay Platinum: Base tier, does not offer any additional perks, only bank-led benefits and limited brand offers apply
RuPay Select: Mid tier, offers benefits like complimentary domestic lounge visits and insurance covers, along with rewards and other benefits as per the bank’s policies
RuPay EKAA: Premium tier, comes with privileges like global lounge access, hotel memberships, golf access, and more

Note that these are the RuPay Card Tiers. However, the reward rate and other benefits will depend on the card issuer.

RuPay vs Visa vs Mastercard - Comparison

Feature	RuPay	Visa	Mastercard
Origin	India	USA	USA
Tiers	Platinum, Select, EKAA	Classic, Platinum, Signature, Infinite, Infinite Privilege	Platinum, World, World Elite, Legend
Acceptance in India	Wide acceptance at eligible online and offline merchants	Wide acceptance at eligible online and offline merchants	Wide acceptance at eligible online and offline merchants
International Acceptance	Available on supported international variants through partner networks; acceptance may be limited	Extensive global acceptance	Extensive global acceptance
Credit Card on UPI	Supported for eligible cards through compatible UPI apps	Not currently supported for credit card payments on UPI	Not currently supported for credit card payments on UPI
Online Shopping	Widely accepted	Widely accepted	Widely accepted
Rewards and Cashback	Depend on the issuing bank and card variant	Depend on the issuing bank and card variant	Depend on the issuing bank and card variant
Best Suited For	Users who want domestic payments and credit card payments through UPI	Users who want broad international acceptance	Users who want broad international acceptance

How to Apply for a RuPay Credit Card?

You can apply for RuPay Credit Cards on Paisabazaar by following the steps given below:

Enter your mobile number
Verify using OTP received on your number
Filter the list of pre-qualified cards by network and choose RuPay
Carefully look at the features and benefits of the cards and choose one
Proceed by filling more details as asked
Upload documents if required and submit the form

Once approved, you will receive your RuPay Credit Card at your communication address within 3-5 working days.

Eligibility for RuPay Credit Card

The eligibility for RuPay Credit Cards depends on the card issuer and may also vary as per card variant. Some of the common criteria include:

Applicant must be a resident of India
Applicant must have a stable employment and a regular income
Applicant must have a good credit score
Applicant must meet the minimum income requirements set by the card issuer

Note that these are only the general criteria; the actual requirements will vary as per the issuing bank and card variant.

How to Use RuPay Credit Card on UPI?

Follow the steps given below to link your RuPay Credit Card to UPI apps:

Step 1: Open the UPI app of your choice – Google Pay, PhonePe or any other

Step 2: Go to your account and click on RuPay Credit Card

Step 3: Go to ‘Add Credit Card’

Step 4: Scan your card or enter card details and proceed

Step 5: Create a PIN and verify using OTP

Once added, you can select the card at the time of payment.

Where Can RuPay Credit Cards Be Used?

RuPay credit cards can be used at:

Online Shopping and E-commerce Websites
Offline Stores and Retail Outlets
UPI QR Code Payments
Bill Payments and Utility Services
Travel and Booking Platforms
International Merchants

Note: Card acceptance varies as per the policies of the card issuing bank, merchant and the card variant.

Charges on RuPay Credit Cards

Here are some of the common fees and charges that are applicable on RuPay Credit Cards, and may vary as per the card issuer’s and the card variant’s terms and conditions:

Joining Fee
Annual Fee
Finance Charges or Interest Rate
Cash Withdrawal Charges
Late Payment Charges
Overlimit Fee
Forex Markup Fee
Reward Redemption Fee
Cash Payment Fee
Card Replacement Fee

Pros and Cons of RuPay Credit Cards

Below are some of the pros and cons of RuPay Credit Cards.

Pros

UPI-enabled card; can be linked to UPI apps to make UPI transactions]
Convenient online and offline payments
Value-back a rewards or cashback, depending on the card variant
Lounge access, fuel surcharge waiver, movies and dining discount, etc., depending on the card variant
Brand-specific offers from RuPay
Interest-free credit period of up to 50 days

Cons

May have limited international acceptance
High interest charges on missing card payments
Not all UPI QR Codes support credit cards

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Can I transfer money from a RuPay credit card to a bank account?

No, peer-to-peer UPI transfers or card-to-card payments are not allowed through RuPay credit cards. You can only make UPI payments to eligible merchants. You can explore how to transfer money from a credit card to a bank account through alternative methods.

What is the difference between a RuPay credit card and a normal credit card?

A RuPay Credit Card works in the same way as any other credit card but the only difference is that you can link RuPay Credit Cards with UPI apps to make UPI payments using QR codes. This facility is not available with any other network.

Can I get a RuPay credit card without a CIBIL score?

Yes, it may be possible to get RuPay Credit Cards without a CIBIL Score. Many card issuers offer entry-level or mid-range cards to consumers who are new to credit. If not eligible for unsecured cards, you can apply for an FD credit card on the RuPay network.

Can I earn cashback on UPI payments using a RuPay credit card?

Yes, you can earn cashback on UPI payments depending on the card variant.

Which RuPay credit card gives the highest cashback?

There is no single RuPay Credit Card offers highest cashback rate across all categories. Depending on your spending preferences, you can choose a card in the categories where you spend the most. For example, the Federal Bank Paisabazaar Paisaback Credit Card offers 7.5% back on grocery spends whereas Airtel Axis Bank Credit Card offers up to 25% back on payments made via the Airtel Thanks App. The right card for you would be the one that aligns with your spending patterns.

Which is the best RuPay credit card for UPI?

Some of the best credit cards for UPI payments are Federal Bank Paisabazaar Paisaback Credit Card, HDFC UPI RuPay Credit Card, Tata Neu Infinity HDFC Credit Card and YES BANK Paisabazaar PaisaSave Credit Card. Some co-branded cards like YES Bank POPCLUB Credit Card and Kiwi Credit Card also offer good value-back on UPI payments but only on the co-branded platforms.

How do I link my RuPay credit card to UPI?

You can easily link your RuPay Credit Card to UPI apps of your choice. Login and go to the account section, choose RuPay Credit Cards and proceed by adding your card details. Then you have to generate the PIN and use the same when making UPI payments using the card.

What happens if I don't repay my RuPay credit card bill on time?

If you don’t pay your RuPay Credit Card bills timely, late payment charges will apply as per the outstanding amount. You will also have to pay finance charges on the pending amount as well as new transactions until you clear your balance in full.

Can I get a RuPay credit card against FD?

Yes, several RuPay Credit Cards are available against FD. Some of the most popular ones include SBM Bank Paisabazaar Paisa+ Credit Card, SBM ZET Credit Card, Utkarsh Super Money Credit Card and IDFC FIRST WOW! Credit Card.