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Updated 21:22 IST, January 27th 2025

How To Make UPI Payments With Credit Cards? Simple Steps

Using UPI with your credit card lets you pay bills, shop online, and transfer money securely anytime, anywhere with UPI PIN and two-factor authentication.

Reported by: Business Desk
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Credit Card | Image: Freepik

Wondering if you can use your credit card for UPI payments? Yes, you can! But only RuPay credit cards are eligible for UPI transactions. While Visa and MasterCard are not supported for UPI payments, RuPay credit cards can be  linked to UPI-enabled apps like Google Pay, PhonePe, Bajaj Pay, and others.

But how does it work?

The first step in making UPI payments with your credit card is linking it to a UPI-enabled app.

  • Download a UPI app like Google Pay, PhonePe, or Bajaj Pay from your app store.
  • Open the app and go to the payment section.
  • Add your credit card details (card number, expiry date, and CVV).
  • Verify the card using the OTP sent to your registered mobile number.
  • Once verified, set your UPI PIN for added security.

Once your credit card is linked, you're all set to make payments. Here's how:

  • Open the UPI app where your card is linked.
  • Select the “UPI” option for payment.
  • Enter the recipient’s UPI ID and the payment amount.
  • Authenticate using your UPI PIN to confirm the transaction.

Why should you use UPI with your credit card

Using UPI with your credit card offers several practical benefits. It provides convenience by allowing you to pay bills, shop online, and transfer money anytime and from anywhere. Transactions are secured with a UPI PIN, and two-factor authentication adds an extra layer of security. You also have the flexibility to link multiple credit cards to your UPI app, giving you easy access to different payment methods. Payments are processed in real-time, ensuring instant transfers without delays. Additionally, UPI transactions are often low-cost or free.

Things to keep in mind

Before you start using UPI with your credit card, make sure to check any potential fees or interest charges that may apply. Also, ensure that your app has strong security measures in place to protect your financial details.

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Published 21:22 IST, January 27th 2025