Kotak Mahindra Bank Customers can Now Link their RuPay Credit Cards to UPI

Recently, the NPCI announced that Indian citizens can now link their RuPay credit cards with UPI and conveniently use them to make payments. Most major card issuers had already started this facility for their cardholders and now Kotak Mahindra Bank customers can also link their RuPay credit card to UPI and start making payments to merchants with POS devices and QR codes.

Customers have the option to choose out of seven RuPay cards in Kotak Mahindra Bank’s portfolio, which can they use to make transactions across merchants instantly via UPI. It is a welcome change as people can gain easy access to credit without carrying a physical credit card at all times. Moroever, they can continue earning reward points and milestone benefits for their credit card spends.

Read further to know more about this development and how to link your RuPay credit card to UPI and use it to make payments.

Kotak Mahindra Bank Users Can Now Use RuPay Credit Card for UPI Payments Post

Kotak Mahindra Customers can Seamlessly use RuPay Credit Cards on UPI

As the NPCI and Kotak Mahindra Bank announced that customers can now use RuPay credit cards with UPI-enabled apps, customers can get a Kotak RuPay card and use it to make UPI payments. This allows them to access credit without carrying their physical credit card everywhere with them.

This is also great for small merchants, especially in rural and semi-rural areas that could not accept card payments. This is a great milestone for both UPI and RuPay network as it increases the purchasing power of customers and provides convenience of making transactions anywhere anytime through UPI with their credit card.

The Kotak RuPay credit card will get linked to a VPA or Virtual Payment Address, that allows secure and safe UPI payments. The credit card can be linked with all major UPI apps including BHIM, Google Pay, PhonePe, MobiKwik, Paytm, etc. Cardholders can continue earning reward points on their UPI payments with the card and even get an interest-free period of 50 days to repay their dues.

Kotak Mahindra Bank credit cardholders must follow these steps to link their RuPay credit card to UPI –

  • Open the UPI application and login to your account
  • Click on the Profile icon and head to Payment Methods
  • Select the option Link RuPay Credit Card
  • Choose Kotak Mahindra Bank and then choose your credit card
  • Enter the necessary details and click Confirm.
  • Under the Kotak Credit Card, click on Set PIN to set up your passcode.
  • After setting up the UPI PIN, the Kotak RuPay credit card will be ready to make UPI payments

How to Make UPI Payments with Kotak RuPay Credit Cards

Follow these steps to make UPI payments with your Kotak RuPay credit card –

  • Scan the merchant’s UPI QR Code with your app’s scanner
  • Enter the amount to be paid
  • Select the RuPay credit card account to make payment
  • Enter the UPI PIN and confirm it to make the payment

The following are the popular Kotak Mahindra RuPay credit cards that you can use for UPI payments –

Myntra Kotak Credit Card

The Myntra Kotak credit card is a co-branded offering and is a decent card for loyal Myntra shoppers. This card charges a Rs. 500 joining fee and offers exclusive discount on Myntra spends and other privileges –

  • 500 worth Myntra voucher as welcome benefit
  • 5% discount on Myntra spends and 5% cashback on partner brands
  • Complimentary Myntra Insider program membership
  • 2 complimentary PVR movie tickets as milestone benefits
  • 1% fuel surcharge waiver and renewal fee waiver

IndianOil Kotak Credit Card

A co-branded fuel credit card by Kotak Bank and IndianOil, the IndianOil Kotak card has a joining fee of Rs. 449 and offers many fuel-related perks to the cardholder. You earn rewards at every Indian Oil outlet across India and earn accelerated reward points on fuel, dining, grocery, etc.

  • 1000 reward points as a welcome benefit
  • 24 RPs per Rs. 150 spent on fuel
  • 12 RPs per Rs. 150 spent on grocery and dining, and 3 RPs per Rs. 150 spent elsewhere
  • Personal accident insurance cover
  • 1% fuel surcharge waiver and renewal fee waiver

Metro Kotak Credit Card

The Metro Kotak credit card is perfect for hotel, restaurant, caterers, and kirana store owners. This co-branded card by Kotak and Metro has no joining and annual fee, and is targeted on customers who shop at Metro Wholesale for their store or business needs. The card is exclusively for people who have a valid Metro membership.

  • Lifetime free credit card for Metro Wholesale members
  • 500 cashback as a welcome benefit
  • 1% cashback on monthly spending of Rs. 5 Lakhs and above
  • 25% – 0.5% cashback on monthly spending below Rs. 5 Lakhs

Kotak Veer Select Credit Card

The Kotak Veer Select credit card is exclusively for Indian armed forces officials and honours them for their hardwork and determination towards protecting our country. The card enables them to make essential spends at discounts and special offers, all while earning reward points for their spends.

  • Complimentary IHO membership worth Rs. 8500 as welcome benefit
  • 9 RPs per Rs. 200 spent on movies, departmental store, and grocery spends
  • 3 RPs per Rs. 200 spent elsewhere
  • 8 complimentary domestic lounge access per year, max 2 per quarter
  • 8% railway surcharge waiver on IRCTC website, and 2.5% on IRCTC Booking Counters
  • 1% fuel surcharge waiver and annual fee waiver

Also read: How to Make UPI Payments Via RuPay Credit Cards

Bottom Line

Kotak Mahindra Bank is a major card issuer across India, and the linking of Kotak RuPay credit cards to UPI is a welcome change for both the cardholders as well as merchants. This makes UPI payments easier as customers don’t need to carry their credit cards everywhere and can use it at both small and big merchants that have a QR code.

The entry of Kotak RuPay cards on UPI will help in the growth of both UPI as well as the RuPay network in our country. Customers can keep earning rewards and accessing other privileges of their credit card, all with the convenience and ease of UPI payments. This is a huge step in boosting the reach and use of digital payments across India.


  1. Abhishek chatterjee

    Kotak League and Kotak Mojo credit card also available on RuPay network.

    Kotak Myntra credit card is not live yet on RuPay network. Presently, Kotak Myntra Credit Card is issued on foreign card network. It is expected that Kotak Myntra will soon be available on RuPay in the next few weeks or months.

  2. Kotak leage card declining the upi merchant payment. All card controls(contactless marked on) are ok. Please suggest

  3. This only works for axis and union bank credit card. Kotak rupay credit don’t work just waste of time and annual maintenance. This don’t work fake promise to increase market news bubble

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