UPI on RuPay Credit Card

What is Credit Card on UPI?

RuPay Credit Cards on UPI will provide a seamless, digitally enabled credit card lifecycle experience for the customers. Customers will benefit from the ease and the increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem with acceptance of credit cards using asset lite QR codes.

RuPay Credit cards can now be linked to a UPI ID, thus directly enabling safe, and secure payment transactions.

Link your RuPay Credit Card

You can link your RuPay Credit Card with your UPI ID in 3 easy steps by scanning QR code

 
 

You can link your RuPay Credit Card with your UPI ID in 4 easy steps

RUPAY Link Your Card
 

Features & Benefits

RuPay Credit Cards on UPI will provide a seamless, digitally enabled credit card lifecycle experience for the customers. Customers will benefit from the ease and the increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem with acceptance of credit cards using asset lite QR codes.

RuPay Credit cards can now be linked to a UPI ID, thus directly enabling safe, and secure payment transactions.

  • Discover credit card accounts from the issuer bank based on your registered mobile number and link it to the UPI ID on BHIM app or any UPI app.
  • Post linking the card, customer will be able to make payment to a merchant by scanning the UPI QR code. Payment authentication will be done using UPI PIN.
  • Cash withdrawal at merchant, P2P, P2PM, card to card payments will not be permitted through this functionality.
  • Transaction through this process will follow UPI standard transaction limits.
  • Features like AutoPay and dispute resolution will be available for the customer via ODR (UPIHelp) through UPI Apps.

Detailed Setup Guide for Top UPI Apps

1. FedMobile

  1. Open FedMobile.
  2. Tap BHIM UPI → RuPay Credit Card on UPI.
  3. Select "Add RuPay Credit Card".
  4. Select Federal Bank and choose the Credit Card to be linked.
  5. Link the Credit Card.

2. Google Pay (GPay)

  1. Open Google Pay.
  2. Tap Profile Photo → Payment Methods.
  3. Select "Add RuPay Credit Card".
  4. Choose your bank and enter card details, including CVV and expiry date.
  5. Verify using the OTP sent to your registered mobile number.
  6. Set the UPI PIN for your RuPay Credit Card.

3. PhonePe

  1. Open the PhonePe app.
  2. Navigate to Payment Methods.
  3. Tap "Add RuPay Credit Card".
  4. Enter your card details and proceed.
  5. Verify the OTP sent to your registered mobile number.
  6. Set a UPI PIN for your RuPay Credit Card.

4. Paytm

  1. Open the Paytm app.
  2. Go to Profile → Payment Settings.
  3. Open "Saved Cards".
  4. Tap "Add New Card" and select RuPay.
  5. Authenticate the transaction if prompted.
  6. Verify the OTP and set your UPI PIN.

5. BHIM

  1. Open the BHIM app.
  2. Navigate to Payment Methods or Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

6. Amazon Pay

  1. Open the Amazon Pay app.
  2. Navigate to Payment Methods or Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

7. CRED

  1. Open the CRED app.
  2. Navigate to Payment Methods or UPI Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

8. MobiKwik

  1. Open the MobiKwik app.
  2. Navigate to Payment Methods or Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

9. Slice

  1. Open the Slice app.
  2. Navigate to Payment Methods or UPI Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

10. Freecharge

  1. Open the Freecharge app.
  2. Navigate to Payment Methods or Settings.
  3. Select "Add Credit Card" and enter your RuPay Credit Card details.
  4. Verify via OTP sent to your registered mobile number.
  5. Set the UPI PIN for your RuPay Credit Card.

FAQs

Is UPI secure for making payments through my Credit Card?
Yes, UPI is generally considered secure. It uses multiple layers of security, including two-factor authentication (usually an OTP), to authorize transactions. Additionally, when you use your Credit Card for UPI payments, it inherits the security features of the card itself.

Can I use multiple UPI IDs with my Credit Card, or am I limited to one?
You can link multiple UPI IDs with your Credit Card if needed. This can provide you with more flexibility in managing your payments.

How can I set up and secure my UPI ID for safe transactions?
You can set up and secure your UPI ID by choosing a strong UPI PIN, keeping your mobile device and UPI details confidential, and regularly updating your PIN for added security.

What are the benefits of using my Credit Card for UPI payments?
By using your Credit Card for UPI payments, you can enjoy payment flexibility, earn rewards, and take advantage of the higher spending limit on your Credit Card.

Will UPI payments through my Credit Card incur interest charges?
If you pay your Credit Card bill within the due date, you can enjoy an interest-free period. However, interest charges may apply if you carry a balance beyond the due date.

Is there any additional fee for linking my Credit Card to a UPI ID?
There are typically no additional fees for linking your Credit Card to a UPI ID. 

How do I track my UPI payments made through my Credit Card?
You can track your UPI payments on your Credit Card statement, which provides a detailed record of all transactions, including those made through UPI.

Is there a maximum limit for UPI payments using my Credit Card?
The maximum limit for UPI payments using your Credit Card may vary based on your Credit Card's terms and your credit limit. Refer to your Credit Card agreement or contact Federal Bank for specific details.

Can I unlink my Credit Card from a UPI ID if needed?
Yes, you can typically unlink your Credit Card from a UPI ID at any time through the bank's mobile app or UPI app.

Know more about UPI on RuPay Credit Card

Do’s & Don’ts for users

Do's Do's Don'ts
  • Allow the UPI app to read your SMS, Contacts and Call history for the UPI app to link your RuPay Credit Card.
  • Always set up a different UPI PIN to authenticate Credit Card transactions on UPI, at the time of linking your credit card on UPI.
  • Make payment only to merchants QR Codes, e-comm merchant using CC on UPI.
  • Setup UPI Autopay to make payments of your Credit Card bills on time.
  • Always keep your mobile number updated with your Credit Card issuing bank, for you to link your RuPay Credit Card on UPI.
  • Do check your available balance and outstanding amount on UPI app before initiating any merchant payment.
  • Don’t share your UPI PIN with anyone.
  • Don’t keep your CC on UPI PIN and your Saving Banks account UPI PIN & Card Pin same.
  • Don’t share the OTP with anyone which you receive during the registration process.
  • Don’t breach the credit limit assigned by your issuer on UPI while making payment to merchants.
  • Don’t make payments using RuPay Credit Card on UPI for categories such as Person to Person, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, Card to Card payment, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds, and any other categories as restricted by the issuing bank / RBI from time to time.