Last Update: April 11, 2023, 08:14 AM IST
RuPay Credit Card UPI Linking
At present, a user can transfer a maximum of Rs 1 lakh in a day through UPI.
The Reserve Bank of India (RBI) last year allowed RuPay credit cards to be linked to the Unified Payments Interface (UPI). With this, users can do daily UPI transactions using their RuPay Credit Card.
Earlier, customers could use their savings account or debit card to make UPI payments. Now RuPay credit cards can also be linked with UPI and users can make payments through UPI applications such as Paytm, PhonePe and Google Pay.
How to link your RuPay Credit Card with UPI ID
Step – 1 Download BHIM UPI app on your mobile from Google PlayStore or App Store.
Step – 2 Sign up or login if you already have an account.
Step – 2 Click on ‘Bank Account’ and select the plus sign to add the account. You will be given two options – Bank Account and Credit Card. Click on Credit Card.
Step – 3 Now choose the bank that has issued the credit card that you are using.
Step – 4 Select the RuPay Credit Card you want to link with your UPI ID and click on ‘Confirm’.
Step – 5 Set your UPI PIN to initiate the transaction.
How to use your RuPay Credit Card through UPI?
Step – 1 Scan any merchant UPI QR code using your mobile phone and enter the amount you want to pay.
Step – 2 Select your RuPay Credit Card and enter your UPI PIN to complete the payment.
Step – 3 Check your transaction history for more details regarding payment.
What is the transaction limit for RuPay Credit Card UPI payments?
According to the National Payments Corporation of India (NPCI), transactions done through this method will have the same transfer limit as any other UPI transaction. At present, a user can transfer a maximum of Rs 1 lakh in a day through UPI.
Which RuPay Credit Card can you link with UPI?
Many lenders allow customers to link their RuPay credit card with UPI. These include Axis Bank, Bank of Baroda, HDFC Bank, Indian Bank, PNB National Bank, Union Bank, Yes Bank, IDFC Bank and ICICI Bank. It is to be noted that the minimum joining fee and other schemes offered by the credit card issuer may vary.
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