How to Make UPI Payments Via RuPay Credit Cards

In today’s digital era, more and more people are switching to online, cashless transactions, especially after the Coronavirus pandemic. Recently, the RBI announced that individuals can link their credit card to the United Payments Interface (UPI) and use it to make UPI payments in a safe, secure manner. This is possible only through RuPay credit cards right now.

Customers find it really easy to make UPI payments through different applications as it is a convenient and secure method. To make these payments even more convenient, RBI has now enabled using RuPay credit cards for UPI payments. Just like normal UPI payments take place, you can scan the merchant’s QR code, and pay with your RuPay credit card without tapping or swiping your card.

Earlier, you had to use your bank account or debit card to make UPI payments, but with this new feature, you can easily make UPI payments with your credit card even without carrying it everywhere with you.

In this article, we will learn about how to link your RuPay credit card to UPI apps and making payments through it.

How to Link Your RuPay Credit Card to UPI Apps

Many people have started using their RuPay credit card to make UPI payments on popular applications like Paytm, BHIM, PhonePe, Google Pay, Payzapp, etc. Before you start using the credit card for payments, you must link it to UPI application first.

We’ll see how to link your card to some of the most commonly used applications.

BHIM

Follow these steps to link your RuPay credit card to the BHIM app –

First of all, download or open the BHIM application on your iOS or Android smartphone.
Sign up or log in to the application.
Next, click on Bank Accounts section near the top of the screen.
Click the Plus button near the bottom right and then click on Credit Card.
Choose your credit card issuer bank and the application will show all eligible credit cards from that bank.
Enter the necessary details and your RuPay credit card will be added to the BHIM app.

Paytm

Follow these steps to link your RuPay credit card to the Paytm app –

Open the Paytm application and tap on the home page’s top left corner
Scroll down and click on UPI and Payment Settings
Open the ‘Other Settings’ section and click on Link RuPay Credit Card to Paytm UPI
You will see all eligible banks that offer RuPay credit cards.
Click on the bank whose credit card you have and the application will fetch the details related to your credit card.
Authenticate your credit card and then setup the 4 or 6-digit UPI ID, if you haven’t done it already. Your RuPay credit card will be linked and ready to make UPI payments after this.

Google Pay

Follow these steps to add your RuPay credit card to the Google Pay application –

Download and open the Google Pay application on your smartphone.
On the top right of the app, click on your Profile Picture and then click on Bank Account and Cards.
Next, tap on ‘RuPay Credit Card’ under the ‘Set up Payment Methods’ section.
Now, the screen will show all the eligible banks offering RuPay credit cards.
Click on the bank whose RuPay credit card you have and the application will fetch your card details for you. Authenticate your card and it will be ready to make UPI payments through Google Pay.

PhonePe

Follow these steps to add your RuPay credit card to the PhonePe application –

Download and open the PhonePe application on your iOS or Android smartphone.
Click on the Profile icon near the app’s top left corner.
In your profile, keep scrolling down and then click on ‘View All Payment Methods’ when you see it.
Now, you will see all the payment methods that you have added to PhonePe until now.
You will see the Credit/Debit cards sub-heading. Click on the ‘Add Card’ option right next to it.
You will see the Add RuPay credit card option now. Click on it.
The screen will show all eligible banks that issue RuPay credit cards. Click on your card issuer bank.
The application will fetch your credit card details and you can fill in the necessary details.
After filling in everything needed, click on Add. Your RuPay credit card will be linked to PhonePe and ready to make payments.

PayZapp

Follow these steps to add your RuPay credit card to the PayZapp application –

Download and open the HDFC PayZapp application on your smartphone.
On the Homepage, scroll down and under the offers section, click on UPI Payments on RuPay Credit Cards.
Click on this offer and you will reach the page with your linked bank accounts and credit cards.
Click on ‘Add New’ near the bottom of the screen. You will see two options Bank Account and RuPay Credit Card. Choose the latter option.
You will see a list of banks whose RuPay credit card can be added. Click on your RuPay credit card’s issuer bank.
Next, you have to enter the necessary details of your credit card to link it with PayZapp.
Set up your 4 or 6-digit UPI PIN, if you haven’t already, and your RuPay credit card will be ready to make UPI payments.

How to Make UPI Payments with RuPay Credit Cards?

After you have linked your RuPay credit card to your UPI ID, you can start making payments with it, Follow these steps to make UPI payment with your RuPay credit card –

Open the UPI application through which you want to make the payment. Make sure your RuPay credit card is added to the application.
Scan the merchant’s QR code scanner and enter the amount you want to pay.
Make sure to choose your UPI-linked RuPay credit card out of the available payment options.
Enter your 4 or 6-digit UPI PIN and the payment will be made through your RuPay credit card.

Also Read: PNB, Union And Indian Bank Launch Rupay Credit Cards on UPI

Benefits of Making UPI Payments with RuPay Credit Card

It is very convenient to make UPI payments with your RuPay credit card through the applications. Let’s check out the benefits associated with it –

More Reward Points – Whether you are making big purchases or have to pay the local grocery store, you can earn more reward points on using your RuPay credit card for UPI payments.

More Bank Balance and More Interest – When you use your credit card for UPI payments, your bank balance will be higher and you will earn more interest per month.

No Need for CVV or OTP – You don’t need to use your card’s CVV or wait for any OTPs to make UPI payments with your credit card. Just enter your UPI PIN and the payment will go through.

Check Your Card Limit Easily – It is easy to check out your bank balance through UPI apps and similarly, you can check out your RuPay credit card limit as well.

Manage Transactions from One Place – You can safely manage and make transactions from one single place instead of remembering credentials and details for different apps and credit cards. You don’t even need any OTP or CVV and can make the payments through your UPI ID.

What to Remember When Making UPI Payment with RuPay Credit Card

Keep the following points in mind before you use your RuPay credit card to make any UPI payment.

Make sure you know the 4 or 6-digit UPI PIN to successfully complete the transaction. You won’t need your card’s CVV or any OTP and can complete the payment through the UPI ID, similar to a normal UPI payment.
You can use the RuPay credit card for UPI payments only to merchants. You cannot send money to your friends or family members through a RuPay credit card. Scan the QR code of the merchant to whom you have to pay money.
Stay updated regarding the benefits and privileges offered by your RuPay credit card. You can save a decent amount of money and avail other benefits, if you use your RuPay credit card in the right manner.

Conclusion

Earlier, UPI payments could be made only through your bank account, but now individuals can successfully use their debit/credit cards to make UPI payments. In the above article, we discussed how to link RuPay credit cards with UPI apps and safely make payments using your UPI ID. The transactions are quick and safe this way as there is no OTP or CVV involved.

One thing you must remember is that you can only make UPI payments using your RuPay credit card to merchants and not normal people. Almost every top credit card issuer in the country have rolled out RuPay credit cards and those who haven’t will surely launch them soon. RuPay credit card can be linked and used with all top apps like Paytm, Google Pay, BHIM, PhonePe, and more.

Also, there are several benefits and advantages of making UPI payments with your RuPay credit card, as discussed above. Let us know if you plan on linking your RuPay credit card to your UPI ID or not!!