RuPay, an Indian Multinational Financial Services and Payments System owned by the NCPI, can now be linked to UPI apps. This is initiated for customers to make quick and easy payments to various bank accounts. A user must register with any of the banks, such as Axis Bank, BOB Financial Solutions Ltd, Indian Bank, HDFC Bank, Canara Bank, etc., in order to hold a RuPay card.

RuPay cards are just like Visa and Mastercard, but for India. In today’s India, citizens opt for the Unified Payments Interface to make their payments. RuPay cards can be linked to UPI apps, such as PhonePe, Google Pay, Paytm, etc., that are purely Indian payment networks. On the other hand, Visa Cardholders and Mastercard Holders cannot successfully link their bank accounts to UPI as they are used internationally. UPI can be used internationally if the acceptance of UPI payments exists.

RuPay provides its customers with credit cards, debit cards, international cards, prepaid cards, and contactless cards to make payments to merchants and withdraw hard cash. Now, users can also link their bank accounts with the Aadhaar Card if they do not have a debit card with them. Therefore, customers with just an Aadhaar Card can now create a UPI ID and UPI PIN to make quick, easy, and secure payments to other bank accounts.

RuPay has made a relevant impact on the retail payment system around the nation. After 7 successful years of bringing a unique change in the way people make payments in the country, RuPay is now a known name. Alongside government scheme cards, RuPay has designed Classic, Platinum, and Select Variant Cards for the masses and affluent customers.

However, RuPay Cards are not accepted at International Payment Gateways, like Visa and Mastercard on the contrary.

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Privileges Of RuPay

RuPay is known to offer its users excellent advantages to its customers, and a few examples of that are as follows:

1: RuPay cards provide its customers with International and Domestic acceptance, but RuPay does not function at International Payment Gateways.

2: RuPay cards can be utilized internationally at International airport lounges by getting access.

3: RuPay cards offer a free-of-cost Personal Accidental Death to their customers.

4: RuPay cards are also known to provide its customers an Insurance coverage of permanent total disability.

5: Using RuPay allows merchants to offer their customers various cashback schemes and health and wealth benefits to appeal to their customers.

6: RuPay Cards are known for being processed in India itself, which may result in lower processing fees and a high rate of quick transaction times compared to other Cards.

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Types Of RuPay Cards

RuPay offers its customers a variety of cards, and a few examples of those are the following:

RuPay Credit Cards: RuPay Debit Cards offer their customers Fuel Surchage Waivers and Railway Lounge Access.

RuPay Debit Cards: RuPay Debit Cards are available widely across the country and can be used in both urban and rural areas.

RuPay PMJDY Cards: RuPay PMJDY Cards, also known as RuPay Pradhan Mantri Jan Dhan Yojana Scheme Cards, are designed for customers with accounts under the PMJDY Scheme.

Contactless RuPay Cards: RuPay Contactless Cards offer customers extra protection from skimming devices and are highly efficient to use.

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Linking RuPay Credit Cards To UPI

Customers are permitted to link their RuPay cards to Unified Payments Interface Application UPI applications. That can be done by UPI Apps such as BHIM, PAYTM, PhonePe, Mobikwik Etc. A few steps must be followed in order for holders of a RuPay Credit Card to link their RuPay Credit card to a UPI app, and those steps are as follows:

1: Download any UPI App- BHIM, PhonePe, etc

2: If the account isn’t registered, first, complete the registration process

3: Click on Credit Cards

4: Select your bank- Axis, HDFC, Federal Bank etc.

5: Tap on the card you want to link

6: Fill in the card details

7: Set up a UPI PIN

8: Click on the checkbox "Accept Terms and Conditions."

9: Authenticate with an OTP.

It must be noted that a user cannot withdraw any cash from the RuPay Credit Card. The digital UPI RuPay Credit Card is solely for digital payment transactions and not for withdrawal.

Just as RuPay Credit Cards, RuPay Debit Cards can also be linked to UPI apps, and to do that, customers are required to follow the following steps:

1: Open any UPI App such as PhonePe, PAYTM, BHIM, etc.

2: Select the Option “Add Debit Card” or “Link Debit Card”

3: Choose the bank-issued Card

4: Fill in the card number's last six digits and the Expiry date information.

5: An OTP will be sent to the user's registered contact number, which is registered with the bank. Enter the OTP to authenticate

6: Set a UPI PIN.

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Linking RuPay Credit Cards To PAYTM UPI

To link Rupay CC to the PAYTM UPI app are as follows:

1: Download the PAYTM UPI app and enter the application

2: Click on the “Loans and Credit Cards” option

3: Click on “View All”

4: Select the Option “Link RuPay Credit Card to UPI”

5: From the drop-down menu, select the Bank the user is registered to.

6: Link the Credit card that needs to be linked.

7: Confirm the selection by clicking on the option "Confirm."

8: Set up the UPI PIN.

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Benefits Of Linking RuPay Cards to UPI

A few examples of the benefits of linking RuPay Cards To UPI apps are mentioned as follows:

1: Instant payment transactions can be made via RuPay Credit Card UPI ID with Credit Card Funds.

2: On the RuPay Credit Card UPI ID, reward points can be earned.

3: An “interest-free” credit period can be enjoyed if users link their bank account to UPI.

4: The payment process can be streamlined.

Switching To RuPay Credit Card From Visa & Mastercard

In today’s world, bank account holders can switch their networks and how. Visa and Mastercard Holders can switch their credit cards to RuPay Credit Cards. It is known to be an easy process, especially if a bank account holder has a Visa or Mastercard. In order to switch credit cards, the user must contact Bank Customer Support; alternatively, the user can request a brand new card from the bank branch.

For users wondering why would it be a necessary to switch the Visa or Mastercard to RuPay, the answer to that is, if in any case, the user is required to use their credit card in India primarily, they can easily switch their credit cards from Visa and/or Mastercard cards as RuPay offers a smooth and instant payment system, especially with UPI’s existence in our economy. A few distinct reasons to switch from Mastercard or Visa to RuPay are as follows:

Fewer Fees: RuPay cards have lower processing fees for domestic purchases and use than Visa and Mastercard Cards.

Quick Processing: In India, RuPay card payments transactions are processed quicker than those for cards on international networks.

High Domestic Security: The user data on RuPay remains in India itself; hence, making payments domestically via RuPay has a perceived sense of reduction in potential risks like digital fraud, etc.

Wide Acceptance Domestically: RuPay Cards are widely accepted around India for all the reasons mentioned above, making them a convenient choice for making domestic payments.

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UPI Supported Banks List

A bunch of Banks support UPI and can be linked to the UPI Apps. All Indian banks are listed under RuPay as it is a Domestic Payment Network for customers who want to get a debit card, credit card, or contactless card. The list of Banks that can be linked to UPI apps is as follows:

1: Citi Union Bank

2: CSB Bank

3: Canara Bank

4: Federal Bank

5: HDFC Bank

6: ICICI Bank

7: IDFC First Bank

8: Indian Bank

9: IndusInd Bank

10: Kotak Mahindra Bank

11: Punjab National Bank

12: RBL Bank

13: Saraswat Bank

14: SBI Bank

15: SBM Bank

16: Union Bank of India

17: Utkarsh Small Finance Bank

18: YES Bank

UPI applications that support the above credit or debit cards to link to UPI in order to make quick and easy payments are as follows:

1: Amazon Pay

2: BHIM

3: Bharat Pe

4: BOB World UPI

5: Credit

6: FamApp

7: FINO Pay

8: Flipkart

9: Freecharge

10: Genwise

11: KIWI

12: Google Pay

13: Groww

14: ICICI Bank

15: INDmoney

16: JIO

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RuPay Credit Card Payments Via QR Code

Indeed, credit card payments via the QR Code are possible if the user links their RuPay credit card to the UPI App or Bharat QR.

Making Credit Card (CC) Payments Through QR Code

1: Download a UPI app known to support Credit Cards.

2: Register the credit card with the UPI Application.

3: As a payment option, opt for a Credit Card.

4: Enter the UPI ID and UPI PIN that is linked to the credit card.

5: Approve the transaction by clicking on “Approve” on the UPI App.

6: At the merchant’s location, scan the QR Code.

7: Authenticate the payment.

To authenticate the payment, users can open the UPI App, click on “Scan QR” in the bottom middle of the screen, make payments to the merchant, scan the merchant's QR Code, and authenticate the payment.

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Making CC Payments Via Bharat QR

1: Download a banking app that supports Bharat QR.

2: Link the Credit card to the app.

3: Set a mPIN, which is a passcode, for security.

4: Open the Bharat QR app and click on “Scan To Pay."

5: At the merchant’s location, scan the QR Code

6: Enter the amount that must be paid and initiate the payment by clicking "Pay."

7: An OTP will be sent to the user's registered contact number. Enter the OTP and continue to pay the merchant.

Payments via Bharat QR can be made for online merchants and offline merchant shops.

Wrapping Up

Linking Credit Cards To UPI is one of the smoothest procedures to follow, and all at zero cost to your comfort. Online payments for groceries, restaurant food and beverages, bills, loans, etc have become a cakewalk. In this case, making the economy work around digital modes of payment. As we know, any digital mode of payment used to take a minimum of 3 to 5 business days. Today, we live in an economy where money can be transferred and received instantly; it almost takes a second.

A user with a RuPay debit card, credit card, and an Aadhaar Card, if the user does not have their debit card, can link their bank cards with a digital interface known as a UPI, Unified Payments Interface. Making payments just got a step more convenient. Linking your credit card to PAYTM UPI helps make the economy a "Cash Less" economy and helps citizens make their payments on time. Paying utility bills, rent, loans with interest and shopping on e-commerce sites is easy, instant and secure. The entire PAYTM app is secured and encrypted. No data is shared, and it is completely the app’s responsibility.

RuPay offers various cards to its customers: debit, Credit, Prepaid, International, and Contactless. The best-known are the contactless cards, which can be used to make withdrawals in the ATM. RuPay Credit Cards can be used for paying Fuel Surcharge Waivers or for lounge access. Debit cards can be used in rural and urban areas. Contactless cards can protect users from skimming devices.

With many benefits surrounding linking RuPay cards to UPI apps, 22 banks support UPI apps, helping the majority of citizens to link to the UPI app for free and in complete comfort.

FAQs

Q1. Can u use a linked RuPay Credit Card to make payments on PAYTM via a QR Code?

Ans: Users can use their linked RuPay credit cards to pay via the QR Code on the PAYTM application.

Q2. How many banks support UPI apps?

Ans: As of now, 22 Banks in India support being linked to UPI apps.

Q3. Can I generate a UPI PIN for credit card payments?

Ans: Users can generate a UPI PIN for credit card payments.

Q4. Can I link my Visa or Mastercard to PAYTM UPI?

Ans: No. Users cannot link their Visa or Mastercard to PAYTM UPI. Visa and Mastercard are accepted internationally, and only RuPay cards can be linked to PAYTM UPI.

Q5. What is the maximum number of credit cards I can link to my PAYTM UPI?

Ans: Users are not restricted in how many credit cards they can use to link to UPI for making payments.

Q6. Can I pay my credit card bills via PAYTM UPI ID?

Ans: Users can pay their credit card bills via the linked service account from the PAYTM UPI app.

Q7. Do I have to download any apps to link RuPay Credit cards to UPI?

Ans: Yes, the user is required to download the respective UPI app to which they want to link their Bank Account.