How to Make UPI Payments Through a Credit Card

Linking your credit card to UPI makes payments easier, faster, and more flexible. Here are some of the benefits you can enjoy: 

• Allows Small Transactions

With UPI, you can easily use your credit card for small transactions, including online payments and money transfers, streamlining your payments.

• Works Almost Anywhere

UPI allows you to make payments via phone numbers, QR codes, or UPI IDs, making it a versatile and accessible payment method.

• Instant Transaction Processing

Just like regular UPI payments, transactions are processed instantly within seconds, making payments quick and hassle-free. 

• No Need to Re-enter Card Details

Once your card details are stored in your UPI app, you will not need to enter them each time you make a payment, saving you time and effort.

• Earn Rewards, Cashback, and Points

Enjoy exciting rewards, cashback, or loyalty points on every UPI transaction, adding extra value to your purchases while you shop or pay bills.

• Make Larger Purchases Easily

Using your credit card via UPI, you can make substantial payments without needing immediate funds in your bank account, giving you more flexibility in your spending.

• No Need to Carry Your Credit Card 

Thanks to UPI apps, you do not need to carry your credit card with you to make payments, which decreases the risk of cloning, theft, and more. This can increase your safety.

Using UPI for credit card payments makes spending easy and safe while providing the potential to earn rewards. Here are some other advantages of using UPI for credit card transactions: 

• Credit Period

Enjoy the extra time to pay back, as credit cards offer a grace period before the payment

• Earn Rewards

Keep earning reward points on every transaction made through your credit card

• Track Expenses

Easily monitor all your spending in one place using UPI apps

• Emergency Use

Make payments even if your bank account balance is low using your credit card limit

• Secure Payments

UPI uses two-step verification like PIN and OTP to keep your transactions safe and reduce the risk of fraud

 

Many banks and Non-banking Financial Companies (NBFCs) provide credit cards that you can link to UPI apps for seamless payments. As of now, only credit cards on the RuPay payment network can be linked to UPI.  

 

By linking your card, you can experience the convenience of UPI transactions while earning rewards and benefits. Some of the cards that are UPI-compatible include:

 

Indianoil Axis Bank Credit Card

• Joining fee is ₹500; annual fee of ₹500 waived on spending ₹3.5 Lakhs in a card anniversary year

• Ideal for individuals looking to save on fuel expenses

• Earn 20 reward points per ₹100 spent at IOCL fuel stations

• Receive up to 1,250 EDGE REWARD points on fuel transactions within the first 30 days of issuance 

 

HDFC Bank Biz First Credit Card

• Joining fee and renewal fee is ₹500

• Offers up to 55 days of interest-free credit period

• Earn 3% CashPoints on EMI purchases (maximum of 1,000 CashPoints per month)

• Get 2% CashPoints on electronics, utility bills, SmartPay, and Payzapp transactions (maximum of 500 CashPoints per month)

• Earn 1% CashPoints on all other purchases, including UPI transactions (maximum of 500 CashPoints per month)

 

IRCTC Rupay SBI Card

• Joining fee and annual renewal fee is₹500

• Buy tickets on irctc.co.in and the IRCTC Mobile App and earn up to 10% Value Back in Reward Points

• Earn 1 reward point for every ₹125 spent on various categories, including railway tickets

• Enjoy a 1% fuel surcharge discount at petrol pumps across India on transactions between ₹500 and ₹3,000

• Access 4 complimentary railway lounges per year at participating lounges in India (Maximum of 1 per quarter)

 

CSB Bank Edge Credit Card

• Enjoy zero joining fee and lifetime free membership with no annual charges

• Scan using UPI and make payments with your card for added convenience

• Earn a flat 2% cashback on various spending categories, like shopping, travel, or dining

• Receive 0.4% cashback on all other purchases or payments

• Get a welcome voucher worth ₹250 from your top brands

 

ixigo AU Credit Card

• Annual membership fee is ₹999, which is waived off if you spend ₹1,000 within the first 30 days, and waived off for the following year if you spend ₹1 Lakh in the last year

• Earn 1,000 reward points and ₹1,000 ixigo money vouchers on your first transaction within the first 30 days of receiving the card

• Get a discount of 10% on flight bookings, with savings of up to ₹1,000

• Enjoy flat 10% off on hotel bookings, with discounts up to ₹1,000

 

Disclaimer: Some of the credit cards mentioned above are not available on Bajaj Markets. You can visit the official website for more information and their application process.

Follow these simple steps to link your credit cards with UPI:

1. Download a UPI app like Paytm, GPay, PhonePe, or another from the Play Store or App Store

2. Open the app and verify your mobile number

3. Complete the registration process

4. Open the UPI app and select the ‘Add Credit Card’ or ‘Link Credit Card’ option

5. Choose and select the specific credit card you want to link

6. Tap on ‘Create PIN’ within the UPI app

7. Enter the card number, the expiry date, and other required details

8. Type in the OTP sent to your phone for authentication and set your preferred UPI PIN

 

Note: The process may vary across different platforms. 

 

UPI payments through credit cards offer a quick and convenient way to transact. Follow these simple steps to complete your transaction seamlessly:

1. Open your UPI app and select the 'PAY' option

2. Choose your linked credit card as the payment method

3. Scan the recipient's QR code or pay via their UPI ID

4. Verify the payment amount and complete the transaction

 

Note that the process may vary across different platforms.

You can easily link your credit card to a UPI payment app for quick payments. Follow these simple steps to link your card with different apps:

 

Google Pay

1. Open the Google Pay app on your mobile device

2. On the home screen, tap on 'Tap & Pay'

3. Select 'Card' and then tap 'Add a card'

4. You can add your card in two ways:

   • Option 1: Scan your card using your phone's camera, and the details will be autofilled

   • Option 2: Tap 'Enter details manually' and fill in your card information

5. Tap 'More' and accept the terms and conditions

6. Choose how you want to verify your identity (via text or email)

7. Tap 'Continue' and enter the one-time password (OTP) to verify your identity

8. Click on 'Submit' to complete the process

 

Paytm

1. Open the Paytm app, tap your profile picture in the top left corner, and select ‘Payment Settings’

2. Click on ‘Saved Cards’ and then ‘Add New Card’

3. Paytm will deduct ₹1 from your new card for authentication, tap ‘Proceed’

4. Enter your card details, ensure to tick ‘Save this card for future payments’, and confirm the payment

5. Once payment is verified, your new card will be added to your Paytm account

 

PhonePe

1. Click on your profile picture on the home screen

2. Under the ‘Payment Methods’ section, choose ‘Debit & Credit Cards’

3. Press ‘Add New Card’ and enter your card details (card number, validity, and CVV)

4. Enter the OTP sent to your registered mobile number

5. Click on ‘Confirm’

When making UPI payments through credit cards, it is crucial to ensure secure and seamless transactions. By following a few simple steps, you can reduce the risk of fraud, manage your expenses more effectively, and have better control over your payments. 

 

Here are some key tips to help you make UPI payments confidently and securely:

• Monitor Your Credit Card Usage

Regularly check your credit card statements to track your spending and spot any unauthorised transactions.

• Set Transaction Limits

Establish transaction limits within your UPI app to improve security and control payment amounts.

• Secure Your Mobile Device

Use a strong password or biometric authentication to safeguard your device from unauthorised access. Avoid sharing your device, and only download apps from official app stores.