January 19, 2026 · 5 mins read
Santosh Kumar
A lot of individuals who hold a credit card have been curious if they can pay their credit card bills using BHIM UPI, due to the easy and quick process of making payments using UPI. It is important to understand how these two systems operate prior to attempting to pay your credit card bill using UPI.
You cannot directly make a payment to your credit card company through BHIM UPI, like you can when sending money between two individuals. BHIM UPI mainly facilitates transferring money between banks, while a credit card bill is a payment obligation to the issuing bank. However, some banks and credit card providers offer the ability to make bill payments via UPI if they participate in UPI-supported bill payments; in these scenarios, the payments are directed from a user’s bank account through UPI to a credit card company, not vice versa.
If your credit card issuer offers UPI as a payment option, you should be able to find your credit card in the list of supported billers on your Banking app or UPI app. After you have added your credit card as a biller, you will be able to pay your bill like any other UPI bill payment. The amount will be deducted from your bank account and deposited into your credit card account. This will help you pay off your outstanding balance and will show up on your credit card statement after it has been processed.
It is important to know that BHIM UPI is not a wallet or a place for your money. BHIM UPI only transfers money between two linked bank accounts and requires a bank account with a sufficient balance to make the payment. You are paying off the amount you owe with your own money and not using any credit to make a credit payment.
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Some people mistake the process of paying a credit card bill using UPI with the process of making a payment using a credit card through UPI. Paying with a credit card through UPI is for purchases, and paying off your credit card using UPI is for paying off what you owe. The ability to make your payment through UPI depends on whether your bank and your credit card issuer allow UPI to be used to pay credit card bills.
When paying via UPI (Unified Payments Interface), timing must be taken into account. In comparison, paying with a credit card may not necessarily reflect immediate payment. Because of this, one must check with the card issuer to know how much time it may take to reflect on one's credit card account. Delays can happen when there is a large volume of transactions or when a credit card company is doing maintenance on their systems. To avoid paying late fees and/or interest charges, always pay your bill well before the due date.
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Security with UPI payments is a major benefit of using this form of payment. Each transaction requires authentication with your unique UPI Pin, and all transactions will be monitored by the user's bank for any unusual activity. In order to decrease the chances of being a victim of fraud, use official apps and billers that have been verified before you make the payment.
A benefit to using UPI to pay your credit card bill is the ease of use. You will not have to sign on to several different portals to make your payment or remember long and complicated credit card numbers. Your payments are made using your bank account that is linked to your UPI, and everything works through a process that you are already familiar with. However, there are still some institutions that do not yet allow you to pay with UPI, so the use of this service can vary from institution to institution.
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It will depend on whether your bank and credit card issuer support the use of UPI for making payments. Not all credit cards offer this option currently.
Using UPI to pay your credit card is similar to transferring funds, except that it is classified as a bill payment and will be credited to the credit card issuer rather than transferred to another person.
Payments made via UPI are immediate; however, the credit card account may take time to reflect the payment. It is advisable to make payments several days in advance of due dates.
When you use only official apps before utilising UPI and use the PIN provided by your bank for this purpose, you can rest assured, as all payment methods offered by banks offer several layers of security to protect you against unauthorised transactions.
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