Step-by-Step Guide To Link Credit Card To UPI And Do Payments

Unified Payment Interface (UPI) is the most preferred payment in India. It was launched by the National Payments Corporation of India in 2016. Since its launch, the payments through UPI have grown multifold. In September 2023, the total number of UPI transactions grew 41.4% in one year from 11.16 lakh crore to 15.79 lakh crores. To add to this, with the increasing trend of credit cards and credit spending, the government has introduced the linking of RuPay credit cards to UPI.

You can link your RuPay credit card to UPI apps such as Jupiter Money, Google Pay, BHIM UPI, PhonePe, and Paytm. In this article, we have covered in detail how to link your credit card to UPI and how to make payments through it.

How to Link Credit Card to UPI?

Since UPI is the most favoured payment method for cashless transactions, the National Payments Corporation of India has allowed users to link their credit cards to their UPI app to make payments. Let’s see the process of linking credit cards to different UPI apps.

Here’s how to link Credit card on different payment apps

1. Link UPI Credit Card to Jupiter
2. Link RuPay Credit Card to BHIM UPI
3. Link RuPay Credit Card to Paytm
4. Link RuPay Credit Card to Google Pay
5. Link RuPay Credit Card to PhonePe

1. Link UPI Credit Card to Jupiter

To link your credit card to Jupiter Money, follow the steps below.

• Open the Jupiter App. To open the app, click here: https://jptr.onelink.me/TOMp/credcrdblogs
• Click on the ‘Payments’ tab at the bottom of the screen.

• Scroll down and click ‘Link any RuPay Credit Card’ under ‘More’ options.

You will be directed to a new tab. Here, you have to select your card. Make sure your card is linked to the same mobile number that you use for your Jupiter App.

Jupiter will fetch your card details if you have any existing RuPay card with the option you selected in the previous step.

Do you want to get a RuPay Credit Card from Jupiter? 

Join the waitlist here: https://jupiter.money/edge-upi-credit-card/

2. Link RuPay Credit Card to BHIM UPI

To link your RuPay credit card to the BHIM UPI app, follow the steps below.

• Open the BHIP UPI app on your phone and enter the passcode.
• On the left corner, click on your name. You will find the current bank accounts that are linked to the UPI.

• Scroll down to find the section ‘Other Accounts’.

• Click on ‘Link RuPay Credit Card’
• You will be directed to a list of all banks or credit card issuers. Select your bank from the list.

The app will directly fetch your RuPay Credit Card details.

• Next, select your credit card and click on confirm.
• Enter your card details as prompted by the app.

You will receive an OTP for verification.

After verification is done, set your UPI PIN for the card.

Now, you can start using your credit card to make payments through the BHIM UPI app.

3. Link RuPay Credit Card to Paytm

To link your RuPay credit card to the Paytm app, follow the steps below.

• Open the Paytm application on your phone.

• Click on ‘Link RuPay Card to UPI’, which is on the home screen of the app.

• Enter the bank name that has issued you the Rupay card

Paytm will automatically fetch the details of your RuPay credit card.

• Now verify your card details with an OTP.

After verification, set the UPI PIN and start using your credit card to make payments through the Paytm UPI app. You can also add money to your Paytm wallet through a credit card.

4. Link RuPay Credit Card to Google Pay

To link your RuPay credit card to the Google Pay app, follow the steps below.

• Open the Google Pay app.
• Enter your pin.
• Click on your image or profile in the top right corner.

You will be directed to your profile, where you can set up a payment method.

• Under the section of ‘Set up payment method’, click on ‘RuPay credit card’.

• Select your credit card from the list of cards given.

The Google Pay app will find your credit card and fetch its details.

Once you see your card, please select it and verify it by entering the details asked and then entering an OTP.

After verification, you can activate the card and start using it to make UPI payments.

5. Link RuPay Credit Card to PhonePe

To link your RuPay credit card to PhonePe, follow the steps below.

• Open the PhonePe App and enter the pin.

Scroll down on the home screen to the ‘Payment Methods’ section.

• Select ‘RuPay Credit on UPI’.

• Click on ‘Add New Card’.
• Enter your bank name and select it.

Then, the PhonePe app will automatically fetch your card details linked to your mobile number.

• Enter the card details as asked by the app and click on ‘Proceed’.
• Verify your card with OTP.

• Set a UPI pin for your credit card to use the credit card to make UPI payments. You can also recharge your PhonePe wallet through a credit card.

How to make UPI payments using a Credit Card?

Once you have linked your credit card to your UPI app, making payment is very simple. To make the payment through your RuPay credit card, follow the steps below.

Scan the QR code or enter the phone number or UPI ID to which you have to make the payment.

Enter the amount that you have paid.

Then, select your RuPay credit card and enter the PIN to process the transaction.

How Integrating Credit Cards with UPI Has Helped Users?

By linking credit cards to UPI, the users will benefit in the following ways:

Convenience: Paying for transactions using credit cards by scanning QR codes through UPI makes payments convenient.  

Economical: Merchants using UPI for their business need not worry about credit card fees as the payments will be received through UPI, making it economical for them. 

Rewards: UPI will enable higher usage of credit cards. With this, the rewards and cashback will also increase.

Risk elimination: Linking credit cards can eliminate the risk of using physical cards. With two-factor association and biometric lock, credit card transactions will become safer than ever.

You might also be interested in reading about:

• Best RuPay Credit Card in India
• Best RuPay Credit Card for Shopping and Reward Points
• Best RuPay Credit Card for Travel
• Best RuPay Fuel Credit Card in India
• Best Lifetime Free RuPay Credit Cards in India

Things to keep in mind while using UPI with a credit card

• Your UPI pin for the credit card must be different from the card pin to ensure safety.
• Use your credit card on UPI to pay merchants.
• Set up UPI auto-pay to pay your credit card bills on time.
• When setting up your credit card with UPI, make sure you give permission to your UPI app to read your SMS, contacts, and call history.
• Keep your mobile number updated with your credit card issuer so linking your credit card to UPI will be easy.
• Always check your available balance and outstanding amount before initiating a payment.
• Never breach your credit limit while making payments using your credit card.
• Don’t share your UPI pin and OTP with anyone.
• Don’t make payments using your credit card from UPI to the following categories: person-to-person, digital account opening, lending platforms, mutual funds, cash withdrawal at ATM and any other categories as restricted by the bank or RBI.

Frequently Asked Questions

Can a credit card be linked with UPI?

Only RuPay credit cards can be linked to UPI. Visa and Master Card credit cards can’t be linked to UPI. Moreover, at present, only credit cards from a few banks have this facility.

Why does UPI not work with Credit Cards?

At present, only RuPay-based credit cards work with UPI. VISA, MasterCard and Amex credit cards are yet to be live on the UPI infrastructure.

How many Credit Cards can be linked on UPI?

Only RuPay credit cards of eight banks are live with UPI, and they are Punjab National Bank, Union Bank, Indian Bank, HDFC Bank, Canara Bank, Axis Bank, Kotak Mahindra Bank, and BFSL.

How many transactions can be done on a RuPay Credit Card?

There is no limit on the number of transactions that can be carried through UPI using your credit card.

What is the transaction limit on UPI for RuPay Credit Cards?

The maximum limit per card per day is Rs 1 lakh, and Rs 2 lakh in case of some special merchant category codes (MCC). However, the actual limit will be limited to the credit limit on your card.

Are there any charges for linking or for using linked Credit Cards on UPI from various apps?

UPI apps will not charge any fee for linking or carrying out transactions using credit cards.