17 June, 2025 | 11:01 IST
Paying through UPI has become a part of daily life in India – it is fast, simple and works almost everywhere. Now, there is an even better option: you can link your RuPay credit card to your UPI app and pay directly from your credit card without needing to swipe it. This means you can scan any UPI QR code using apps like PhonePe, Google Pay, Paytm, or BHIM, and choose your credit card to make the payment. It is safe, quick, and you can still earn reward points like you normally do with your credit card.
Unified Payments Interface (UPI) is a real-time payment system developed by NPCI (National Payments Corporation of India) that allows users to instantly transfer money between bank accounts using a mobile device.
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RuPay credit cards can now be linked to UPI platforms, enabling users to make payments directly from their credit cards using UPI apps like BHIM, PhonePe, Google Pay and Paytm. This integration combines the convenience of UPI with the benefits of credit cards, such as reward points and extended credit periods. This feature is currently exclusive to RuPay credit cards; Visa and Mastercard credit cards are not supported on UPI at this time
According to the NPCI website, at present 23 banks provide the facility to link RuPay Credit Cards on UPI.
If you are looking for a RuPay Credit Card with attractive rewards, you can pick from multiple credit cards through the Moneycontrol app and website. The cards, which come with amazing offers and deals, can be selected as per your needs and income level. Moneycontrol has partnered with leading banks and NBFCs to offer access to multiple Rupay Credit Cards.
Before you begin, ensure the following:
Once your RuPay credit card is linked to your UPI app, you can make payments as follows –
Moneycontrol, in partnership with many credit card issuers offers access to RuPay Credit Cards through its app and website. You can choose a suitable RuPay Credit Card with attractive features from multiple offers on the digital platform. The application process in 100% paperless.
For the first 24 hours after linking, transactions may be limited to Rs 5,000. Post 24 hours, the transaction limit can go up to Rs 1 lakh per day, subject to your credit card's available limit.
Alongside digital convenience, you can also access quick financing. Linking your RuPay credit card to a UPI app is a smart and secure way to make payments today. It combines the convenience of UPI with the benefits of using a credit card, like earning reward points and managing expenses more flexibly. Whether you are shopping online, paying bills, or making in-store purchases. This feature lets you leave your wallet behind and pay directly from your phone.
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