UPI (Unified Payments Interface) helps you make quick and convenient digital transactions. But did you know that you can link your credit card to UPI apps? This means you can pay merchants through UPI while enjoying the benefits of credit, like reward points, cashback, and flexible repayment.
In this guide, we will learn how to link your credit card to UPI, how to use it for payments, and what you should know before getting started.
What is a UPI Payment Through Credit Card?UPI payments through credit cards mean that you make transactions via UPI apps like Google Pay, PhonePe, or Paytm, but instead of money being deducted from your bank account, it is charged to your credit card. Currently, only RuPay credit cards are enabled for UPI payments as per NPCI (National Payments Corporation of India) guidelines. This makes it easy to enjoy digital payments while leveraging your card’s credit limit. You can see this guide if you are looking for such a credit card. |
So you want to start making UPI payments through your credit card? The following guide will help you link your credit card to popular UPI apps like Gpay, PhonePe, and Paytm.
Follow these steps to link your credit card to Google Pay:
Step 1: Open the Google Pay app.
Step 2: Tap on your profile icon at the top right corner.
Step 3: Tap on “Pay with credit or debit cards” → “Add Card”.
Step 4: Your smartphone camera will activate. You can either scan your card or enter the card details manually.
Step 5: Enter all the required information.
Step 6: Tap on the “Save and continue” button.
Step 7: Accept the terms and conditions on the next screen.
Step 8: Choose your method of verification. You can choose between SMS and Email.
Step 9: Tap on continue, and you will receive a verification code.
Step 10: Enter the verification code.
Once you enter the verification code, your card will be added to Google Pay. Now you can make UPI payments through your credit card via Google Pay.
Here is how you can link your credit card to the PhonePe app:
Step 1: Open the PhonePe app.
Step 2: Tap on your profile icon at the top left corner.
Step 3: Under “Payment methods”, tap on “Debit & Credit Cards”.
Step 4: Enter the details of your credit card and tap on the “Add” button.
Step 5: The app will start the verification process. You will receive an OTP, which will be auto-fetched by the app, or you can enter it manually
Step 6: A transaction of ₹2 will be made from your card, which will be returned to your bank account.
You have now added your credit card to the PhonePe app.
Want a Credit Card with High Limits & Rewards?
Follow the steps mentioned below to add your credit card to Paytm:
Step 1: Open the Paytm app.
Step 2: Tap on your profile icon at the top left corner.
Step 3: Tap on “UPI & Payment settings”.
Step 4: Scroll down and tap on the “Saved cards” button.
Step 5: Tap on “Add New Card”.
Step 6: Enter all the required card details.
Step 7: Tap on the “Pay ₹2.00” button. You will then receive an OTP.
Step 8: Enter the OTP and tap on “Confirm”.
Your credit card will be added to your Paytm app.
You can add your credit card to most UPI-enabled apps using the steps mentioned above. The linking process will be similar.
Once you have linked your credit card to your UPI app, just follow these steps to make quick and easy transactions:
Step 1: Choose the payment option in the UPI app.
Step 2: Select the linked credit card as the payment method.
Step 3: Confirm the transaction with your UPI PIN.
That’s it! Your payment will be processed through your credit card account.
Before using your credit card for UPI, keep these points in mind:
Only merchant payments are allowed; you can’t send money to individuals.
Transaction limits depend on NPCI and your bank’s policy.
Interest charges apply if you don’t clear your bill by the due date.
No wallet top-ups or loan repayments can be made via a UPI credit card.
Ensure your app is updated and supports RuPay card integration.
Using your credit card for UPI transactions combines convenience and rewards. Let’s look at a few advantages of making UPI payments with credit cards:
Access to Credit for Everyday Transactions
Use your credit card's credit limit to make UPI payments, even if your bank account balance is low.
Earn Rewards & Cashback
Many credit cards offer reward points, cashback, or other perks for transactions. By using your credit card for UPI payments, you can maximize these benefits on everyday purchases and earn points or cashback on every eligible purchase.
Flexible Repayment Options
Enjoy the advantage of paying off your credit card bill later, within the interest-free or grace period.
Widely Accepted
UPI is accepted across millions of merchants, from small businesses to large retailers, increasing the utility of your credit card.
Secure Transactions
Your transactions are protected by PIN-based authorization and encryption.
Experience Rewards with Every Swipe
Linking your credit card to UPI is one of the smartest ways to pay, simple, safe, and rewarding. You get the flexibility of credit, the convenience of UPI, and the perks of cashback or reward points, all in one transaction.
If you’re ready to enjoy the benefits of digital credit payments, you can explore credit cards on the Moneyview website or app. You can download the Moneyview app from the Play Store or the App Store.
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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