How To Link Credit Card To UPI

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How to Link Credit Card to UPI?

Since UPI is India’s most popular cashless payment method, the National Payments Corporation of India now lets you link credit cards to UPI apps. Here’s how to do it across different platforms.

Follow these steps to link your RuPay credit card on your favourite UPI platform:

Link UPI Credit Card to Jupiter
Link RuPay Credit Card to BHIM UPI
Link RuPay Credit Card to Paytm
Link RuPay Credit Card to Google Pay
Link RuPay Credit Card to PhonePe

1. Link UPI Credit Card to Jupiter

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

Open the Jupiter app. Download it here.
Click on the ‘Payments’ tab at the bottom of the screen.
Scroll down and tap ‘Link any RuPay Credit Card’ under ‘More’ options.
Select your card from the list. Make sure it’s linked to the same mobile number you use for Jupiter.
Jupiter will automatically fetch your card details if you have an existing RuPay card.
Do you want to get a RuPay Credit Card from Jupiter?
Not approved yet? Join the waitlist here.

2. Link RuPay Credit Card to BHIM UPI

To link your RuPay card to BHIM UPI, follow these steps.

Open the BHIP UPI app on your phone and enter the passcode.
Tap your name in the top left corner to see all linked bank accounts.
Scroll down to find the section ‘Other Accounts’.
Click on ‘Link RuPay Credit Card’
You’ll see a list of banks and card issuers. Pick yours.
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.

Done. You can now use your credit card for payments on BHIM UPI.

3. Link RuPay Credit Card to Paytm

To link your RuPay card to Paytm, follow these steps.

Open the Paytm application on your phone.
On the home screen, tap ‘Link RuPay Card to UPI’.
Enter the bank name that has issued you the Rupay card
Paytm automatically pulls your RuPay card details.
Now verify your card details with an OTP.

After verification, set your UPI PIN and start paying. You can also add money to your Paytm wallet using the card.

4. Link RuPay Credit Card to Google Pay

To link your RuPay card to Google Pay, follow these steps.

Open the Google Pay app.
Enter your pin.
Click on your image or profile in the top right corner.
You’ll land in your profile where you can set up payment methods.
Under ‘Set up payment method’, select ‘RuPay credit card’.
Select your credit card from the list of cards given.

Google Pay finds and fetches your card details.

Select your card, verify it with the OTP, and you’re set.

Activate the card and start making UPI payments right away.

5. Link RuPay Credit Card to PhonePe

To link your RuPay card to PhonePe, follow these steps.

Open the PhonePe App and enter the pin.
Scroll to ‘Payment Methods’ on the home screen.
Select ‘RuPay Credit on UPI’.
Click on ‘Add New Card’.
Enter your bank name and select it.
PhonePe auto-fetches your card details from your phone number.
Enter the card details and tap ‘Proceed’.
Verify your card with OTP.
Create a UPI PIN for your credit card. You can also top up your PhonePe wallet with it.

Easier Access Everywhere

UPI is accepted almost everywhere, even in smaller stores or service providers that might not have PoS (Point of Sale) machines. Most places now have QR codes or mobile numbers for UPI payments, which makes it easy to use your credit card for purchases, no matter where you shop. This ensures you’re able to use your credit card for a wide range of transactions.

Quick and Simple Setup

Once you’ve linked your credit card to UPI, the process is done. There’s no need to worry about entering long passwords or remembering card details every time you want to pay. All you need to do is tap your phone a couple of times, and you’re ready to go. It’s a quick and simple way to make payments without any hassle.

Contactless Payments

Contactless payments are becoming increasingly popular, and linking your credit card to UPI lets you take full advantage of this. Unlike physical card transactions that require touching a machine, UPI payments allow you to make purchases by scanning a QR code and authenticating the payment, all without any physical contact. It’s faster, safer, and more convenient.

Earn More Rewards

Since UPI is used frequently for everyday transactions, linking your credit card allows you to earn reward points with every payment you make. The more you use it, the more points you can collect, and these points can be redeemed for perks like cashback, discounts, access to airport lounges, fuel waivers, and more. It’s a win-win situation where you get both convenience and rewards for making payments through UPI.

How to make UPI payments using a Credit Card?

Paying with a credit card via UPI is simple once you’ve set it up. Here’s how to do it step-by-step:

1. Set Up Your UPI Account

First things first, you need to have a UPI ID linked to your bank account. If you haven’t set up UPI yet, you can easily do it using apps like Google Pay, PhonePe, or Paytm. Just follow the instructions to create your ID and link it to your bank account.
2. Link Your Credit Card to UPI

To pay with your credit card, you need to link it to your UPI ID. Open your UPI app, go to the payment settings, and find the option to link a credit card. You’ll be asked to enter your credit card details, including the card number, expiry date, and CVV. Once that’s done, your card will be ready to use for UPI payments.
3. Choose the Credit Card Payment Option

When you’re ready to make a payment, open your UPI app and select the option to pay with UPI. Enter the recipient’s UPI ID or scan their QR code. Once the payment screen appears, you’ll usually see an option to select your payment method. Choose your credit card as the payment method.
4. Enter the Payment Amount

Next, type in the amount you want to pay. Double-check the details to make sure everything looks good before proceeding.
5. Authenticate the Payment

Once everything is set, you’ll be asked to authenticate the payment. This can be done with your UPI PIN, which is a 4-6 digit number you created when setting up UPI. Enter your UPI PIN, and the payment will be processed using your credit card.
6. Wait for Confirmation

After you’ve authenticated the payment, wait for the confirmation. The app will show a message once the payment is successful, and you’ll also receive a notification on your phone. You’ll get a receipt for the transaction, just like you would for any other payment.

How Integrating Credit Cards with UPI Has Helped Users?

Linking a credit card to UPI gives you several advantages that make payments easier and more rewarding.

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.

Key Safety Tips for Credit Card UPI Payments

Your UPI PIN for the credit card must be different from the card PIN to keep things secure.
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, allow your UPI app to access your SMS, contacts, and call history.
Keep your mobile number updated with your credit card issuer—it’ll make linking your credit card to UPI much easier.
Always check your available balance and outstanding amount before you start a payment.
Never go over your credit limit while making payments with your credit card on UPI.
Don’t share your UPI pin and OTP with anyone.
Don’t use your credit card on UPI to send money to people, open digital accounts, fund loans, invest in mutual funds, withdraw cash at ATMs, or pay any category your bank or RBI has restricted.

Benefits of Using Credit Card for UPI Payments

Using your credit card for UPI payments gives you real advantages. You earn rewards and cashback on every transaction, which adds up quickly on your daily spending. You get better purchase protection compared to debit cards, and you can manage cash flow more effectively by paying later. Plus, if you link a lifetime free credit card like our CSB Edge+ RuPay, there’s no annual fee eating into your benefits. You’ll also build a stronger credit history with regular UPI payments, which helps when you apply for loans or higher credit limits. It’s basically getting more value from money you’re already spending.

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Frequently Asked Questions

Is UPI available for credit card payments?

Yes, UPI now supports credit card payments through RuPay credit cards linked to UPI apps like Google Pay, PhonePe, Paytm, and BHIM. You can scan QR codes and make payments directly from your credit card account, similar to using a debit card on UPI.

Are there any charges for UPI payments using credit cards?

Standard UPI payments under ₹2,000 to merchants are free. For payments above ₹2,000, the merchant may pay an interchange fee (typically 1.1%) — but this is not passed on to you. Cash withdrawals or merchant payments still attract regular credit card charges where applicable.

What is the transaction limit for UPI payments with credit cards?

UPI payments with credit cards through most apps have daily transaction limits ranging from ₹1 lakh to ₹2 lakh, depending on your bank and card issuer. Your specific limit depends on your credit limit and the bank’s policies. Check your app or contact your bank for your exact limit.

How secure are UPI payments made with credit cards?

UPI payments with credit cards are protected by the same security standards as regular UPI transactions, including encryption and two-factor authentication. Your card details aren’t shared with merchants, keeping them safer. Just ensure you’re using a trusted app and never share your UPI PIN with anyone.

Can I earn rewards on UPI payments made with a credit card?

Yes, you can earn rewards on UPI payments with most credit cards, including Jupiter’s Edge CSB RuPay Credit Card. Rewards vary by card—some offer cashback or points on every UPI transaction. Check your card’s specific rewards program to see what benefits apply to your payments.

What to do if my UPI credit card payment fails?

If your UPI credit card payment fails, first check your bank account balance and internet connection. Then retry the transaction or use an alternate payment method like net banking or a different UPI app. Contact your card issuer’s support team if the problem persists—they’ll help troubleshoot the issue quickly.

Are all UPI apps supporting credit card payments?

Not all UPI apps support credit card payments yet. Most platforms like Google Pay and PhonePe allow it, but support varies. Check your specific app’s settings or contact customer support to confirm if your credit card is enabled for UPI transfers.

How To Link Credit Card To UPI

Written by Priyanka Rao