Link Rupay credit card with UPI
Dated 11.11.2025 : In recent years, India’s digital payments ecosystem has seen an unprecedented boom, with the Unified Payments Interface (UPI) leading the revolution. UPI has become the go-to payment method for millions, offering instant, secure, and convenient transactions across merchants, apps, and individuals.
Traditionally, UPI was linked only with bank accounts and debit cards. However, with the Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI) introducing the option to link RuPay credit cards with UPI, users now have an additional layer of flexibility and convenience.
But why should you consider linking your RuPay credit card to UPI? Let’s explore the key reasons and advantages.
1. Seamless Payments With the Power of Credit
When you link your RuPay credit card to UPI, you can make instant UPI payments using your credit line instead of your savings account. This means you don’t need to worry about your bank account balance every time you make a UPI payment.
● Pay merchants, restaurants, fuel stations, and e-commerce platforms directly from your UPI app.
● No need to carry the physical card—your credit card becomes as easy to use as your UPI ID.
This combination merges the widespread acceptance of UPI with the financial flexibility of credit cards.
2. Widespread Merchant Acceptance
UPI is accepted at millions of merchants across India, from large retail chains to local kirana shops. By linking your RuPay credit card, you can now use your card virtually everywhere UPI is accepted—even at places that traditionally didn’t accept credit cards.
This makes credit card usage more universal, expanding beyond high-value purchases to daily transactions like groceries, utility payments, or dining out.
3. Earn Rewards on Everyday Spending
One of the biggest advantages of using a credit card is earning rewards, cashback, or points on your spends. Linking a RuPay credit card to UPI allows you to earn these benefits on small, everyday UPI payments that would normally go unnoticed with a debit card or bank account transfer.
● Imagine earning points every time you pay for milk, snacks, or auto rides via UPI.
● Over time, these accumulated rewards can translate into vouchers, discounts, or even statement credit.
Essentially, you get more value out of transactions you were already making.
4. Convenience and Security
Carrying cash or even multiple cards can be cumbersome. Linking your RuPay credit card to UPI ensures you can make payments straight from your smartphone without exposing sensitive card details.
● Payments are authenticated via UPI PIN, ensuring safety.
● Card details remain masked, reducing the risk of fraud.
● If your phone is lost, you can quickly block your UPI access through your bank app.
This provides a safer, more seamless experience than swiping or inserting your card.
5. Manage Cash Flow Better
Credit cards allow you to buy now, pay later, giving you up to 45–55 days of interest-free credit if you clear your dues on time. By linking your RuPay credit card to UPI, you can extend this benefit to your day-to-day payments.
● Pay for essentials immediately, without affecting your bank balance
● Align repayments with your salary cycle.
● Avoid overdrawing your savings account.
This makes it easier to manage short-term liquidity without stress.
6. Track and Organise Expenses Effortlessly
UPI transactions linked to your credit card will appear in both your UPI app history and your credit card statement. This dual record helps you:
● Monitor spending habits across categories.
● Set budgets and track adherence.
● Keep better control over daily and monthly expenses.
For individuals striving for financial discipline, this integration makes expense management more transparent and structured.
7. Greater Digital Inclusion With RuPay
RuPay is India’s homegrown card network, designed for greater accessibility and affordability. Compared to international networks like Visa or Mastercard, RuPay cards often come with lower charges for merchants, which encourages wider acceptance.
By linking a RuPay credit card with UPI, users support India’s digital payments ecosystem while also enjoying enhanced convenience and acceptance.
8. Enhanced Utility for Small Businesses and Professionals
For small business owners, freelancers, or self-employed individuals, UPI is a preferred mode of accepting payments. By linking your RuPay credit card:
● You can separate personal and business spends more effectively.
● Use your credit card to pay vendors or suppliers via UPI.
● Earn points even on business-related payments.
This brings additional utility for professionals looking to simplify their transactions and maximise rewards.
9. Airport Lounges, Fuel Benefits, and More—Now Via UPI
Many RuPay credit cards come bundled with lifestyle benefits such as airport lounge access, fuel surcharge waivers, dining offers, and travel discounts. By using your RuPay card via UPI for everyday spends, you accelerate your reward accumulation, making it easier to unlock these privileges.
10. Future-Ready Payment Ecosystem
The integration of RuPay credit cards with UPI is part of India’s vision for a more digital, cashless economy. As adoption grows, more features and benefits are likely to be added, making it an even more attractive option. By adopting it now, you position yourself ahead in the digital payment curve.
Things to Keep in Mind
While linking your RuPay credit card with UPI is highly beneficial, responsible usage is key:
● Always pay your credit card bill in full to avoid interest charges.
● Track your UPI-linked credit card spends to stay within budget.
● Understand your card’s reward structure to maximise benefits
Conclusion
Linking your RuPay credit card with UPI is more than just a convenience—it’s a game changer for how Indians use credit cards in everyday life. It combines the reach of UPI, the flexibility of credit, and the benefits of rewards into a single, seamless experience.
Whether you want to simplify payments, earn rewards on small spends, or better manage your finances, this integration empowers you to do it all with just a few taps on your phone.
So, if you own a RuPay credit card, linking it with UPI should be the next step in your financial journey—making your payments smarter, safer, and more rewarding.
About the Article and the Author :
This is a guest article written by Mr Amit Paghdal . Mr Amit Paghdal is a tech enthusiast and ac writer . He is passionate about exploring the latest innovations and advancements. He shares insights on emerging trends and upgrades, keeping readers informed and inspired by the ever-evolving world of technology.
DISCLAIMER :No content on this blog should be construed an investment advice. You should consult a qualified financial advisor before making any actual investment or trading decisions. All information contained in the article is the point of view of the author, and is for educational and informational use only. The author or the website accepts no liability for any interpretation of the article or comments on this blog being used for actual investments. The point of view expressed by the author is solely of the author and not of the website
How to link a Rupay credit card with UPI ?
Dated 12.11.2025 : In response to the above article , one of our readers wanted to know how to link his Rupay card with UPI . Here are the general steps to link your RuPay Credit Card with a UPI application (like BHIM, PhonePe, Google Pay, Paytm, etc.):
Quick Step-by-Step Guide
- Open Your UPI Application: Launch the UPI app (e.g., BHIM, PhonePe, Google Pay, Paytm, etc.) on your smartphone.
- Navigate to Payment/Bank Accounts: Go to the section for “Payment Methods,” “Bank Accounts,” or “Linked Accounts,” usually found in the profile or settings menu.
- Add/Link a Credit Card: Look for an option to “Add Credit Card,” “Link RuPay Credit Card to UPI,” or similar.
- Select Your Issuing Bank: Choose the name of the bank that issued your RuPay credit card from the provided list.
- Note: Only RuPay credit cards from banks that support this functionality can be linked.
- Verify Your Card: The app will typically fetch the RuPay credit cards associated with the mobile number registered with your bank.
- Select Card and Authenticate:
- Select the specific RuPay credit card you want to link.
- You will usually need to enter the last 6 digits and the expiry date of your credit card.
- An OTP (One-Time Password) will be sent to your bank-registered mobile number for verification. Enter the OTP.
- Set UPI PIN: Once verification is complete, you will be prompted to Set a 4 or 6-digit UPI PIN specifically for your RuPay credit card. This PIN will be used to authorize transactions.
- You should receive a confirmation that your RuPay Credit Card is successfully linked to UPI.
Important Things to Remember
- Credit Card, Not Debit Card: This feature is primarily for RuPay Credit Cards, not RuPay Debit Cards. Debit cards are linked directly to your savings account.
- Participating Banks: Ensure your RuPay card is issued by a bank that has enabled this feature for UPI. Major banks like HDFC Bank, SBI Card, Axis Bank, PNB, Union Bank of India, ICICI Bank, and others generally support this.
- Mobile Number: The mobile number registered with your UPI app must be the same as the one registered with your RuPay credit card for the linking process to succeed.
Usage Restrictions: Payments using a RuPay Credit Card on UPI are currently allowed only for merchant payments (scanning QR codes at shops, online merchant checkouts). You cannot typically use it for Person-to-Person (P2P) transfers to friends/family or self-transfers to your own bank account.
Major UPI Apps Supporting RuPay Credit Card LinkageYou can link your RuPay Credit Card to the following major UPI applications:
Google Pay (GPay) , PhonePe, Paytm , BHIM (Bharat Interface for Money), Amazon Pay, CRED , MobiKwik , PayZapp (by HDFC Bank). Canara Ai1 and ICICI iMobile
Key Banks Currently Supporting This Feature
HDFC Bank , SBI Cards , Axis Bank , ICICI Bank , Punjab National Bank (PNB) , Union Bank of India
Bank of Baroda Financial (BOB Financial) ; Kotak Mahindra Bank , IDFC FIRST Bank .
IndusInd Bank and Canara Bank
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