How to use a RuPay Credit Card for UPI?

Digital payments through UPI have been growing rapidly in India. Now, RuPay credit cards are also linked to this convenient platform. If you have a RuPay credit card and want to leverage UPI for seamless transactions, this integration presents a valuable opportunity. 

This article discusses activating your RuPay card on UPI apps and using it for payments or money transfers. 

Whether you want simplified merchant payments or P2P transfers, learn how to link your credit card and benefit from UPI’s instant settlement.

What is UPI and its Integration with Credit Cards?

UPI, or Unified Payments Interface, is a real-time bank-to-bank money transfer system regulated by the National Payments Corporation of India (NPCI). It enables swift transfers of funds between bank accounts around the clock. Customers can use UPI to make digital payments via QR codes or mobile apps.

In a significant development, NPCI has enabled the linking of RuPay credit cards on the UPI network. This means you can now directly make payments using your credit card rather than your account by scanning QR codes or using UPI ID on merchant apps. UPI integration thus combines the financial flexibility of credit cards with the widespread acceptance of BHIM UPI payments across India.

Steps to Link RuPay Credit Card to UPI

Linking your RuPay Credit Card to UPI only takes a few simple steps:

1. Verify Eligibility

First, ensure that your RuPay credit card variant allows UPI integration. Also, confirm that the mobile number linked with your credit card account matches the one registered on your UPI app.

2. Choose a UPI App

You need to select a UPI app that supports linking RuPay credit cards. Leading payment apps like Google Pay, PhonePe, Paytm, MobiKwik, and others have enabled this functionality. Instal or update the app on your mobile device.

3. Add Your Credit Card

Open your UPI app and look for sections like “Add Account” or “Link Credit Card.” Enter information like the card number, expiry date, CVV, etc., to initiate adding a RuPay credit card.

4. Authenticate the Card

You will receive an OTP for authentication using the registered mobile number. Input this one-time password and set up a UPI PIN for secure transactions as prompted on the app.

How to Make Payments Using RuPay Credit Card on UPI

Below are some simple steps which will help you to make payments using RuPay credit cards:

1. Scan and Pay

Open the UPI app on your phone and choose the QR scan option. Scan the merchant’s QR code. And enter the amount to be paid. Select your linked RuPay credit card as the payment source and authenticate by entering the UPI PIN.

2. Merchant Payments

The RuPay credit card attached to your UPI ID can be used to make payments on UPI-enabled apps and websites, such as food delivery, e-commerce, bill payments, etc. Credit limits are utilised instead of bank balances.

Benefits of Using RuPay Credit Card for UPI

Using your RuPay Credit Card for UPI payments has many advantages, including:

• Linking your RuPay card to UPI apps lets you make payments easily without needing a physical card. If you’re new, you can apply for credit card options tailored to your needs and leverage these benefits.
• You can earn rewards or cashback when using your RuPay credit card on UPI for expenses like online shopping, dining out, travel, entertainment, and more.
• UPI apps have multiple security layers to stop unauthorised transactions, such as MPIN, biometrics, and text/email notifications.
• Your RuPay credit card on UPI can be used to make payments across over 200 member banks and to over 50 million online and offline merchants.

Key Tips for Using RuPay Credit Card on UPI

When using your RuPay Credit Card on UPI, keep these tips in mind:

• Set Daily Limits: Define daily and per-transaction limits on your UPI app to better control spending on the linked RuPay credit card.
• Track Transactions: Monitor card statements regularly to track credit utilisation. Also, tally UPI payments made using the card.
• Understand Fees: Check whether your card issuer levies any UPI usage charges or transaction fees.
• Utilise Interest-Free Period: Make timely credit card bill payments to enjoy the interest-free period and avoid finance charges.

Conclusion

Linking RuPay credit cards with UPI opens a secure, rewarding, and convenient digital payment mode at your fingertips. Leverage it smartly, along with prudent spending habits, for a seamless finance management experience.

If you’re exploring RuPay credit cards with UPI integration, the AU SPONT Credit Card is an excellent choice. This innovative card offers 1% cashback on UPI transactions and rewards users with non-expiring coins for their spending. Additionally, it includes lifestyle privileges like complimentary airport and railway lounge access (subject to spending criteria), making it ideal for frequent travellers and digital payment users. Choose a card like AU SPONT to enjoy a perfect blend of utility, rewards, and premium features.