The Unified Payments Interface (UPI) has made digital payments extremely convenient in India. By linking your RuPay credit card to UPI, you can make quick payments directly from your credit card using the UPI platform. This eliminates the need to enter lengthy card details for every transaction. Typically, linking a RuPay credit card to UPI is a simple and straightforward process that takes just a few minutes.
Why Link Your RuPay Credit Card to UPI?
Linking your RuPay credit card to UPI offers several benefits. You can make payments directly from your credit card without needing your physical card. It also helps you manage your spending better, as all transactions can be tracked through the UPI app. Additionally, UPI payments are accepted almost everywhere—from local shops to online platforms—making it highly convenient.
Prerequisites
Before starting the linking process, make sure you have the following:
- An active RuPay credit card issued by an Indian bank
- A smartphone with an active internet connection
- A bank account linked to your mobile number
- A supported UPI app like BHIM or your bank’s own UPI app installed on your phone
Step 1: Download a UPI App
If you don’t already have a UPI app on your phone, download one from the Google Play Store or Apple App Store. Some popular UPI apps include BHIM, Google Pay, PhonePe, and your bank’s own branded UPI app. Ensure the app supports linking credit cards to UPI.
Step 2: Register on the UPI App
Open the UPI app and register using the mobile number linked to your bank account. When prompted, set up a UPI PIN. This PIN will authorize all UPI transactions.
Step 3: Go to Payment Options
Navigate to the Payment Options section in your UPI app and select Link Your Credit Card. The exact location of this option may vary depending on the app.
Step 4: Go to Credit Card Linking
In the UPI app, find the credit card linking section, usually located in the app’s settings or profile section. The steps may slightly differ across apps.
Step 5: Choose Your Bank
Select the bank that issued your RuPay credit card from the list of supported banks. Ensure your bank is listed before proceeding.
Step 6: Enter and Verify Card Details
Enter the details of the RuPay credit card you wish to link, including the card number, expiry date, and the name printed on the card. Some apps may allow NFC scanning for automatic entry.
Once you enter the details, the app will verify them, which may require OTP authentication via your registered mobile number or email ID.
Step 7: Set UPI PIN
Confirm your card details and set a UPI PIN for your linked credit card if prompted. This UPI PIN will be required for transactions using the linked card.
Step 8: Start Transacting
Once the card is successfully linked, you will receive an SMS confirmation from the bank. You can now start making UPI payments directly from your RuPay credit card using the linked mobile number.
Things to Keep in Mind
When linking your RuPay credit card to UPI, safety should be your top priority. Only download the official BHIM app or other trusted UPI apps from the Google Play Store or Apple App Store. Never share your UPI PIN with anyone, as that would compromise the security of your money.
Additionally, banks and UPI apps frequently release updates to improve security and performance. Always keep your app and phone’s operating system updated to the latest version. Updates fix bugs, add new features, and, most importantly, enhance security.
Finally, banks usually set limits on transaction amounts when using a credit card via UPI. It’s advisable to check with your bank regarding any daily or monthly spending limits. Knowing these limits in advance helps avoid transaction failures.
Conclusion
Linking your RuPay credit card to UPI is a quick way to simplify your payments and manage spending without entering card details every time. Once set up, you can enjoy seamless digital transactions right from your mobile device.
If you’re looking for a new RuPay credit card that supports UPI linking, consider options like the AU Spont Credit Card, which offers added benefits along with UPI compatibility. Whether you’re linking an existing card or exploring new ones, always set a strong UPI PIN to keep your transactions secure.
