October 16, 2024 · 11 mins read
Santosh Kumar
United Payment Interface (UPI), have become the preferred alternative payment method to cash. So, how to use rupay credit card for UPI? By simply having a bank account and registering it on UPI apps, anyone can scan a QR code and pay for their purchases. However, until recently, UPI payments could only be made via bank accounts. All that changed as RBI (Reserve Bank of India) and NPCI (National Payments Corporation of India) enabled Rupay credit cards for UPI payments as well. Now, you can seamlessly pay via UPI on credit. Any valid Rupay credit card holder can avail this facility and pay digitally on credit lines.
Before we get into how UPI can be linked with your Rupay credit card, let's understand how UPI payments work. Developed by the NPCI, UPI provides instant money transfers between bank accounts at real-time speed. It eliminates conventional payment methods like cash or cheques, and even contemporary solutions like transactions via payment gateways. With UPI, you can make seamless transactions digitally to a wide range of merchants for your daily needs.
Almost all major banks have capitalised on the recent RBI announcement. Regardless of the bank, you can integrate Rupay credit cards for UPI transactions and make hassle-free payments.
Enjoy the convenience and flexibility of customer to merchant payments with security and without carrying liquid cash at all times. As with bank accounts, credit card holders can shop, pay utility bills and pay merchants in just a few taps. All you need to do is link your credit card to UPI to enable cashless payments.
Just like regular UPI transactions, customers can scan merchant QRs and pay using any UPI app. Here is how you can register a Rupay credit card on UPI:
1. Step 1. Open any UPI payments app on your mobile.
2. Step 2. Go to the menu section or tap on your profile.
3. Step 3. Next, you need to go to your account section and/or click on 'Add Debit/Credit card'. If you do not have a UPI ID previously, tap on 'Create New UPI ID'.
4. Step 4. Select the Rupay credit card you wish to register from the list.
5. Step 5. Choose the UPI ID you want to register and tap 'Proceed'.
6. Step 6. Review all details on the next page.
7. Step 7. Click on 'Confirm' to register your Rupay credit card.
By following these steps, you can instantly pay merchants directly from your Rupay credit cards via UPI. Plus, you get the added benefits of credit card rewards as you use your card for payments. Linking credit cards for UPI transactions gives you the peace of mind and financial security to make small as well as large payments instantly without depleting your bank account.
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Paying with a Rupay credit card using UPI has become immensely popular since RBI and NPCI enabled credit cards for UPI transactions. If you are a new credit card holder or do not know how UPI payments work, here is a guide on how to pay with UPI using your Rupay credit card:
On your device, open any UPI app of your choice. Popular applications include PhonePe, Google Pay, Paytm, and more (along with each bank's apps). If you do not have a UPI app, download one from Android PlayStore or Apple's App Store.
To register your Rupay credit card for UPI, explore the 'Add New Payment Methods or 'Linla Card'.
Once registered, choose a credit card as your primary payment option, before entering details like card number, expiry, CVV, and name of the cardholder.
Follow the on-screen instructions to finalise linking of Rupay credit cards with UPI.
Enter UPI Id or scan a QR code and click on 'Payment or Send Money'. Make sure the details are accurate before paying.
Enter the desired amount you went to spend.
The next step is to authenticate the transaction. Choose the preferred security before payment, which can be a PIN, pattern, or a biometric recognition.
Review all details once again to ensure precision before you go on a spending spree. Check the details and amount and proceed by confirming the payment. Your app will start processing the lint real-time.
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As with bank accounts, Rupay Credit card holders can create a Google Pay UPI account to pay their bills, shop, and send peer-to-peer money transfers. Google Pay has seen unparalleled success in India with 67 million users in India. With RBI's new guidelines, Rupay Credit card holders can make UPI payments on Google Pay and other UPI apps. Here are the steps to register your UPI app on your Google Pay:
1. Download & open Google Pay
2. Tap on your profile picture on the top right
3. Click on ‘Add Rupay Credit Card’
4. Choose the bank that issued the Rupay Credit card
5. Select the card you want to add from the list of credit cards
6. Add credit card details to verify your account
7. Next, you need to create your UPI pin. If you remember your UPI pin, enter it. If you have forgot your PIN, click on ‘Forgot PIN’ and follow the instructions. If you do not have a PIN, follow the on-screen instructions and create a PIN.
Here are some advantages of linking your Rupay credit card with UPI:
Just like it's name, linking credit card with UPI gives you the convenience of a single platform to pay any vendor. You can streamline all bills and peer-to-peer money transfers on a single UPI app. No need to navigate multiple platforms or depending on payment gateways for credit payments.
Credit cards carry a predetermined credit limit, which could not be used for online payments via gateways. By integrating with UPI, users can utilise their credit line and cash flow more efficiently.
One of the major reasons for widespread adoption of UPIs in India is due to its real-time payment capabilities. By registering Rupay credit cards, card holders can make instant payments for groceries, clothes, essentials, online services, and much more. The expedited payment processing can be crucial in situations like emergencies or time sensitive payments.
Credit card holders are familiar with rewards , discounts, and cashback offers when they use their credit line. By linking credit cards with UPI, users can incentivise everyday payments, earn rewards, and save money simultaneously.
Security is a major concern for all digital transactions. But UPI transactions are secured by two-factor authentication, and PIN or biometric access. Rupay credit cards also have security measures to detect fraud and prevent unauthorised usage.
Apart from instant payments, UPI has nearly replaced cash transactions across sectors and boosted e-commerce purchasing due to its cross-platform abilities. From online retailers to utility departments, e-commerce websites to independent vendors, users can integrate Rupay credit cards with UPI and make hassle-free payments across platforms. This eliminates the need to enter credit card details for each platform.
By integrating UPI with credit cards, users get a centralised platform to shop, pay bills, and transfer money as well as better manage their expenses. UPI apps keep track of all receipts and payments made, which means users can review past transactions, monitor spending trends, and set limits on their spending. They can optimise budgeting with a mix of debit and credit payments and plan their finances more efficiently.
Online shopping has been the watershed moment of this century. It has soared demand across industries as businesses pivot towards greater customer satisfaction and convenience. UPI further simplified online transactions by eliminating the need to request a One Time Password (OTP) and allow users to make payments quickly and smoothly. Integrating UPI with credit cards gives users the flexibility to shop from any online merchant without worrying about their bank balance and with minimal hassle.
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Once you have linked your Rupay credit card, you must remember to plan your transactions. Excessive payments from credit cards may cause your CIBIL score to drop in the long-term. Here are some best practices to manage Rupay credit card payments with UPI:
Secure access to your UPI apps by setting a strong password. Even better, set a biometric authentication to further secure your account from unauthorised payments. For added security, refrain from sharing your password, pin, or patterns with others. Also avoid downloading apps from unreliable sources, such as those not available on PlayStore or Apple Store.
Ensure to check your credit card statement and make timely payments. Track expenses to check for any unauthorised transactions. Remember that UPI payments are also made for small amounts, which means they can add up before you realise the total amount of expenditure. By regularly monitoring credit card usage with UPI, you can maintain financial balance and avoid unwanted surprises on your credit card bill.
Almost all UPI apps have a budget management feature where they let users set transaction limits and reminders upon crossing a threshold. Setting a limit allows you to control the amount you spend on UPI transactions with your Rupay credit card, reducing the risk of potential fraud with mobile misuse.
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Combining UPI payments with Rupay credit cards allows users to get the best of both worlds. They can enjoy a surfeit of benefits like instant payments, cross-merchant transactions, credit card rewards and benefits, enhanced security, and optimised financial management. Together, this has boosted the online payment landscape in the country as people from all walks of life switch towards cashless payments.
Can I pay with UPI using my credit card?
Yes. With the recent RBI and NPCI guidelines, Rupay credit card holders can avail the facility of cashless payments in India. Many Indian banks have tie-ups with payment networda and provide this service on their RuPay credit card. Unfortunately, this facility is only available to valid Rupay card holders.
Where can I use my Rupay credit card for UPI payments?
With your Rupay credit card, you can scan any merchant QR code and pay at online and offline stores. You can send/receive money, pay bills, and purchase everyday items with a Rupay credit card for UPI.
How can I authenticate transactions from my credit card by UPI?
You can set up a security pin or pattern to keep your account secure and free from potential misuse. Regardless of the application you are using, you must set up a UPI pin to complete the transaction.
How can I create a UPI pin for my credit card?
To set a UPI pin, tap on the menu and select 'UPI pin'. Next, enter the last six digits of your credit card, expiry date, other details, and follow the prompts on the screen to complete the process.
How can I change my UPI pin?
Go to the menu section and select 'Change UPI PIN'. Follow the rest of the steps to change your Rupay credit card UPI pin.
How to proceed if I have forgotten my PIN?
If you have forgotten your UPI pin, open your UPI app, go to the credit card account for which you have to reset the pin, and click on 'Forgot UPI PIN' from the drop-down. Follow the rest of the steps to reset your Rupay credit card UPI pin.
How can I link my credit card to UPI if my number has changed?
If your number has changed, kindly visit and update your contact at your credit card issuer. Once your number is updated, you have to re-register your Rupay credit card on your UPI app with the new number.
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