February 22, 2025 · 16 mins read
Santosh Kumar
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.
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.
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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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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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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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.
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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A lot of users encounter problems when trying to how to add RuPay credit card in Paytm. There may be a case when OTPs are not delivered, or the linking process does not complete successfully. If you have failed your Paytm RuPay credit card UPI linking first confirm that your phone number is registered with your bank and is active on the phone.
If network connectivity is poor or unstable, the OTP may take significantly longer than normal to deliver, so get on a stronger signal and/or turn on the SMS permission option as well. Before you retry, another option is to update your Paytm app.
If you do not know how to add RuPay card in Paytm, you can also navigate on your app to the section entitled “UPI & Payment Settings”, tap on “Add Card” and re-enter your information. It is always a good practice to know where to find your RuPay card's eligibility for UPI transactions since not all RuPay card variants are linked to UPI. If you are not sure about how to add RuPay credit card to Paytm and still continue to have issues, contact Paytm customer care or your bank who issued you the card.
Peer-to-peer transactions are prohibited. The transaction limit is normally ₹1 lakh per day, dependent upon the guidelines of the relevant bank and the stipulations of NPCI. While reviewing how to link RuPay card in Paytm, also take into consideration that you may incur merchant discount rates (MDR).
Generally, customers do not pay fee directly, but merchants may incur small fees that find their way to the total bill in some cases. If you are trying to learn how to link RuPay credit card to Paytm for a larger purchase, ensure the card can be used for UPI transactions without issue. For small purchases like groceries and taxis, there are often no fees added.
Before going out and add RuPay credit card to Paytm,review your bank to see if offers are available with waived MDR. This will leave you with the ability to take advantage of the best RuPay UPI credit card without worries of surprise costs. Before you add RuPay credit card to Paytm, check with your bank if there are special offers or waived MDR charges. This helps you maximize the benefits of your best RuPay UPI credit card without worrying about hidden costs.
Once your Paytm RuPay credit card UPI linking is complete, all transactions are authenticated through multi-layered security, including device binding, UPI PIN, and card network verification. Users asking how to add RuPay card in Paytm should know that UPI never shares full card details with merchants, ensuring data safety.
It’s advisable to keep your UPI PIN private and never share OTPs. If you add RuPay credit card to Paytm, always verify merchant details before authorizing payments. Most banks also send instant SMS alerts for every transaction, adding another layer of protection.
To avoid fraud, ensure your Paytm app is updated and linked only to your registered mobile number. Knowing how to add RuPay credit card to Paytm securely ensures smooth and safe transactions. Additionally, if you suspect unauthorized activity, you can immediately block your card from Paytm or your bank app. By combining
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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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.
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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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.
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.
Ans: Users can use their linked RuPay credit cards to pay via the QR Code on the PAYTM application.
Ans: As of now, 22 Banks in India support being linked to UPI apps.
Ans: Users can generate a UPI PIN for credit card payments.
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.
Ans: Users are not restricted in how many credit cards they can use to link to UPI for making payments.
Ans: Users can pay their credit card bills via the linked service account from the PAYTM UPI app.
Ans: Yes, the user is required to download the respective UPI app to which they want to link their Bank Account.
Yes, you can unlink your RuPay credit card from UPI without difficulty. To do this, you must go to your UPI app settings, select the linked card, and click on the “remove” or “unlink” option. Doing so will instantly remove that card and prevent any further UPI payments.
No, linking a credit card does not affect UPI transaction success or failure rates. Generally the failure will relate to a network issue, a bank server issue or exceeding the transaction limit, rather than the fact that a RuPay credit card has been linked to UPI.
No, you cannot make peer-to-peer (P2P) transfers using a UPI-linked RuPay credit card. A UPI-linked credit card can only be used only for merchant transactions, such as shopping, bill payments, or e-commerce payments, etc. P2P transfers can only be made from linked bank account(s).
Yes, there may be a merchant discount rate (MDR) or processing fee while using a RuPay credit card via Bharat QR. While there is likely to not be any extra charge for the customer, the merchant may incur a charge depending on the value of the transaction and the policy of their bank.
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