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Table of contents

    Quick Summary

    Unified Payment Interface(UPI): a simple payment mode that has simplified digital payments.

    The result: Several banks have started integrating their credit card services with UPI payments.

    The benefit: You can enjoy the convenience of UPI payments and earn rewards and cashback on every transaction. A win-win, isn’t it?

    Do you know how to do a UPI Payment with a credit card and the benefits of doing so?

    Let’s explore.


    If you are wondering how to make UPI payments using a credit card, don’t worry, the digital payment integration is quite simple and can be done within minutes.

    UPI payment via credit card will require a few taps for credit card UPI linking. Here are the steps:

    • Step 1: Check app compatibility
      This is to ensure that your UPI app accepts UPI payments through a credit card. Some apps support UPI via credit cards on a select network.
    • Step 2: Link or add your credit card to the UPI app
      Open the app, then navigate to Settings > Payment Methods. Then select the 'Add a debit/credit card' option.
    • Step 3: Add card details
      Fill in all required information, including the card number, expiry date, and CVV. You will then receive an OTP on your registered mobile number. Verify your details by submitting the OTP.
    • Step 4: Create a UPI ID
      You will need to create a new UPI ID or VPA (Virtual Payment Address), then select a credit card as your preferred payment method.
    • Step 5: Set or confirm UPI PIN
      Set/confirm the UPI PIN to use for secure credit card UPI transactions.
    • Step 6: Select the payment
      Select UPI as the payment method, then choose the linked credit card from the available UPI payment methods.
    • Step 7: Enter receiver information
      Scan the QR code or enter the receiver's UPI ID to initiate the payment.
    • Step 8: Confirm payment
      Add the amount and accept the UPI payment through a credit card and UPI PIN.

    UPI payments through a credit card simplify routine payments and offer the benefits of both a credit card and UPI.

    Advantages of UPI Payment using a credit card

    Want to know the credit card UPI benefits? Here are some of them -

    • Cashback and rewards: Many credit cards offer cashback or reward points on every transaction, which can be redeemed for various benefits.
    • Interest-free credit: By using a credit card, you can avail interest-free credit for a certain period, which can help manage your finances.
    • Secure payments: credit cards offer a high level of fraud protection, as you can dispute any unauthorised transactions.
    • Improved credit score: Using a credit card responsibly and making timely payments can help you build a good credit score, which can be beneficial for future credit applications.
    • Convenience: With a credit card, you can make transactions easily and quickly, whether it's in-store or online.

    By linking a credit card to UPI payments, you can enjoy these benefits.

    Who can pay using a credit card on UPI?

    Not everyone can use UPI payments with a credit card, as certain UPI payment rules apply. These rules are as follows:

    • You can use your UPI via credit card, but only if you have a RuPay credit card linked to a UPI app that supports it.
    • These UPI payments made with a credit card work only for Person-to-Merchant (P2M) transactions.
    • The system blocks Person-to-Person (P2P) transfers, so you can’t send money straight to a friend or family member using UPI payment with a credit card.

    Conclusion

    Knowing how to make a UPI payment through a credit card increases flexibility and convenience. After linking your card, you can make payments quickly and easily without carrying cash or a debit card. It is better to know the eligibility, steps, and charges to avoid confusion. With UPI still developing, using credit cards to make payments is also a smart choice to control expenditure and improve money management.

    Also Read: Guide to the cash deposit limit in a Savings Account


    Frequently Asked Questions

    Can a UPI payment be done with a credit card?

    Yes, UPI payments are possible on select RuPay credit cards via compatible UPI applications. The availability is determined by the compatibility of your bank, card network, and app.

    Are there any extra charges for UPI with a credit card?

    A few traders can charge a minimal processing fee on UPI credit card payments. Transactions are generally free on the peer-to-peer network, but charges vary by bank and merchant type.

    Why is Google Pay not accepting a credit card?

    Google Pay might reject your credit card when it is not a supported network or when your issuing bank has not yet added credit card UPI payments.

    Is it safe to pay with Google Pay through a credit card?

    Yes, it is safe. UPI payments through credit cards are safe due to UPI PINs, encryption, and security protocols controlled by the RBI.

    Disclaimer: This article is intended solely for informational purposes. The views expressed in this article are personal. Axis Bank and/or the author shall not be liable for any direct or indirect loss or liability incurred by the reader arising from reliance on the content herein. Readers are advised to consult a qualified financial advisor before making any financial decisions. Axis Bank does not endorse or guarantee the accuracy of any third-party content or links included in this article.

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