February 22, 2025 · 12 mins read
Santosh Kumar
In India’s economy, digital money transfers have arrived, with multiple Unified Payments Interfaces (UPI) available to merchants and purchasers. To join the UPI, the user needs a contact number, a smartphone, and a Bank Account. While registering for a UPI ID, users may use their debit cards, credit cards, or Aadhaar Cards to generate their UPI ID and the UPI ID PIN.
Using UPI, users can make payments with ease and instantly to merchants. If the mode of payment is selected as UPI, users may receive discount offers during the checkout. Users can add their respective bank card type, be it debit or credit card, and link the Bank account to a UPI in order to make fast and easy transfers to other bank accounts.
Before making any payments to the UPI, applicants are required to know the Steps To Follow to link a Credit Card to various UPI Payments App, and they are as follows:
1: Download the Google Pay App
2: Open the Application and click on Bank Accounts and Cards
3: Opt for Add Cards
4: Mention the credit card details and click on save
5: An OTP will be sent to the registered user's Contact Number. Enter the OTP
6: Click on Confirm to link the Credit Card to UPI
1: Download the PhonePe App
2: Go to the PhonePe App and head to the Payments Method section
3: Click on Debit and Credit Cards
4: Opt for Add A New Card
5: Card Number, CVV and Expiration Date must be entered
6: An OTP will be sent to the user's registered contact number. Enter the OTP
7: Click on Confirm to link the Credit card to UPI.
Read More:: MDR Charges on Rupay Credit Card
1: Download the Paytm application
2: Go to the Paytm application and click on the profile picture in the top right corner.
3: Click on Payments Settings
4: Click on Saved Cards
5: Tap on Add A New Card
6: Card details such as Card Number, Name, CVV, & Validity must be entered
7: Tap on Submit to link the Credit card to the Paytm UPI app.
After linking the Credit Card to any of the above UPI apps, the user will receive a confirmation message that linking the Credit Card and UPI app is now successful; the process is now added and linked.
Linking a credit card to Unified Payments Interface Apps makes money transfers easy for the country's citizens. Instant transactions help citizens pay their utility bills, rent, and loans on time and on the spot.
Linking Credit Cards To UPI makes payments and receipts faster. Credit cards will be required to create a UPI ID and UPI ID PIN, which will help users make quick payments and receive payments instantly.
Read More:: Rupay Credit Card UPI Charges
Below is a step-by-step list of how users can make UPI payments via Credit cards. First, the user must link their Credit Card to the UPI App, and do that; the steps are as follows:
1: Download the UPI App: the users must download the UPI-enabled mobile app on their Smartphone.
2: Link Credit Card To UPI App: Users must go to “Add Payment Method” and opt for "Credit Cards" to link their Credit Card to the UPI App. They must enter a few details, such as the card number, CVV, and Expiration Date. An OTP will be sent to the registered user's Contact number, which must be entered to verify the credit card details.
3: Generate UPI ID With Credit Card: After linking their Credit Card to the UPI App, the user can generate a UPI ID. A UPI ID is a unique identification code linked to the user's Bank Account. With this identification code, users can make payments quickly and easily.
To initiate a Credit Card UPI payment, the user must follow the following steps:
1: After completing the process mentioned above, opt for the option “Send Money."
2: Enter the beneficiary’s Credit Card UPI ID or Bank Account Details.
3: Fill in the Amount that needs to be sent.
4: Opt for “Credit Card” as the “Payment Method”
5: The transaction shall be processed once the payment is confirmed.
Read More:: How does UPI Mandate Work
Users experience many benefits by Linking their credit cards to UPI apps, and the following speaks about that.
1: Users experience wider accessibility, as the majority of merchant outlets, such as shops and stores, have QR Codes that can be used by UPI apps to make instant and easy transactions.
2: UPI Payments are simply a one-time process that encourages users to make payments on time. Hence, linking the Credit card to UPI would only make it efficient for users to make quick payments, be it utility bills or loans.
3: UPI apps offer reward points for users to earn. With a broader range of accessibility, many users join this economic revolution, due to which users can earn Rewards points for cashback, discounts, fuel, lounge access and Surcharge Waiver.
4: Since 2020, contactless payments have become the "IN" thing, and there is no better way to make them happen than the UPI.
5: Users can add and link multiple Bank Accounts to their single UPI ID. They are permitted to transfer money from any bank account at the same time. It's quick and efficient.
Read More:: How to Check CIBIL Score on Phone Pe
There are a few benefits linked to using UPI for Credit Card Payments, and they are as follows:
1: Quick money transfer
2: No Bank Account Details are required
3: Supports multiple bank accounts
4: No fees for basic transactions
5: All transactions are safe, secured and encrypted.
Maximum Number Of Credit Cards That Can Be Linked To UPI
As per the NPCI, the National Payments Corporation of India, there are no restrictions on how many Bank Accounts can be added to a single UPI ID.
Read More:: What is YBL in UPI?
To link Credit Cards to Third-Party UPI applications, the user must have details such as the credit card number, Expiry date, and CVV. The following steps show how users can link credit cards to third-party UPI apps.
1: Download and open the UPI application on the Smartphone
2: Link the Credit card to the UPI app
3: Navigate to profile settings or Settings
4: Click on the Credit Card option
5: Enter details such as credit card number, CVV, and Expiration Date
6: An OTP sent to the user's registered mobile number must be entered for verification.
A few banks are listed to link to UPI Apps in order to make instant and easy payments to other bank accounts. Here’s a list of Banks that support UPI:
1: State Bank of India
2: Union Bank of India
3: HDFC Bank
4: ICICI Bank
5: Axis Bank
6: YES Bank
7: Canara Bank
8: KOTAK Mahindra Bank
9: BOB Financial Solutions Ltd
10: Indian Bank
Just like Visa and Mastercard, RuPay Cards exist. Only RuPay cards, be they debit or credit, are approved on UPI Apps. No other card is permitted to be used to create a UPI ID or UPI PIN.
Read More:: How to add money in Phone Pe wallet?
The National Payments Corporation of India, NPCI, has claimed a UPI transaction Limit of Rupees One Lakh per day. Users are permitted to send money to other bank accounts of up to Rupees One Lakh per day. This, in turn, speaks volumes on why more than half of the nation has turned towards digital payments mode. This information is regarding RuPay Cards (Debit Cards and Credit Cards). RuPay is a national payment network which can be compared to (international payment networks) Visa and Mastercard.
Visa or Mastercard can not be linked to India's UPI applications. Currently, only RuPay cards are permitted to link to UPI applications.
Below listed are Banks that provide customers with RuPay Cards.
Bank Of Baroda: Bank of Baroda offers customers Bank Of Baroda Easy RuPay Credit Card and Premier RuPay Credit Card
Central Bank of India: the Central Bank of India offers customers RuPay Debit Cards.
HDFC Bank: HDFC Bank provides its customers with RuPay Credit Cards as well as HDFC UPI Credit Card
IDBI Bank: IDBI Bank offers customers both RuPay Debit Cards and RuPay Credit Cards.
ICICI Bank: ICICI Bank offers its customers both RuPay Credit Cards and Debit Cards
Kotak Mahindra: Kotak Mahindra Bank offers its customers both RuPay Debit Cards and RuPay Credit Cards.
Punjab National Bank: Customers of Punjab National Bank are offered both Cards, RuPay Debit and RuPay Credit.
Union Bank of India: Union Bank of India offers its customers a RuPay Select Debit Card and a RuPay Platinum Credit Card.
SBI Bank: Customers of SBI Bank are offered both RuPay Debit Cards and RuPay Credit Cards.
Read More:: How Much Money Can We Transfer Through PhonePe?
A virtual Debit card is a debit card issued to users as an electric form of a Debit Card. To hold a virtual Debit card, the applicant is required to have information such as the User Name, Card Number, CVV and Expiration Date. A virtual Debit card is to be used for all online purchases. Since it is a virtual card, the virtual Debit card can not be used at ATMs to withdraw cash. Banks such as Kotak Mahindra, ICICI Bank, SBI Bank, Axis Bank, DBS DigiBank, and HDFC Bank offer Virtual Debit Cards to customers.
A few banks, such as ICICI Bank and Axis Bank, offer Virtual Debit Cards to their customers that can be used to make UPI Payments to other banks. DigiBank is another Bank that provides its customers with Debit cards that can be used to make UPI payments.
To obtain a Virtual Debit Card, customers are required to follow the steps below:
1: Visit the net banking portal of the particular bank.
2: Head to the “Cards” section
3: Click on “Virtual Dedit Cards”
4: Tap on “Register New Virtual Debit Card”
5: Select the appropriate Card Variant and Account Number.
6: Click on “Validity Month & Year”
7: Mark tick on Declaration Box
8: Last but not least, enter your PIN to create a Virtual Debit Card.
Read More:: Difference Between RuPay Credit Card and Visa Credit Card
Credit Cards are electronic cards that help individuals use money given by banks to be paid later with interest. UPI, Unified Payments Interface, is a platform where users link their bank accounts in order to generate a UPI ID, to make instant and easy money transactions to other bank accounts. Many Bank Accounts support UPI; hence, a list of Banks can be used to link to UPI Apps in order to make payments to anyone or any other bank account. Internet money transfer has reached a whole new level with UPI apps, consisting of zero delays unless the network wears out and requires no ATM to make payments on time.
There are no limitations on how many Bank accounts can be added to a single UPI ID. Multiple Bank Accounts are permitted to link to UPI, making many people send and receive money via a Digital Payment Method, the UPI.
Like Visa and Mastercard internationally, RuPay in India is a card payment network whose key feature is linking Bank Accounts to UPI apps. If a user has a RuPay Credit Card or a Debit Card, the user can link their Bank Account to UPI apps to make quick and easy transactions to other bank accounts. Visa and Mastercard will not work to link Bank Accounts that support Visa and Mastercard to UPI apps.
There are many benefits for users when the bank account and UPI are linked to make a payment on time, with one of the other benefits being "Linking Multiple Credit Cards to a Singke UPI ID."
Q1. How does UPI work with credit cards?
Ans: Users holding a credit card can now enter credit card details on a UPI app and can link the account to UPI to make fast and easy money transfers.
Q2. What is the daily transaction limit for Credit Card UPI?
Ans: The daily transaction limit for credit card UPI for customers is Rupees One Lakh.
Q3. Who launched the credit line on UPI?
Ans: The Reserve Bank of India is known to launch the credit line on Unified Payment Interface applications.
Q4. Can the UPI credit limit be increased?
Ans: No, customers cannot manually elevate UPI Credit limits.
Q5. To what UPI Apps can I link the Credit Card?
Ans: Credit Cards can be linked to multiple UPI apps such as PhonePe, Gpay Paytm.
Q6. What are the benefits of making Credit Card UPI Transactions?
Ans: The benefits of using the Credit Card UPI Payment method are Instant Money Transfers, No Bank details required, support for multiple bank accounts, zero fees for basic transfers, and safe, secured, and encrypted payments.
Q7. What apps are accepting to link RuPay Credit Card on UPI?
Ans: Apps that allow customers to link RuPay Credit Cards on Unified Payments Interface (UPI) are BHIM, PhonePe, Paytm and Gpay.
Download the app now
Download the app from PlayStore
