In today’s digital era, making payments and transferring money has become more convenient than ever with the Unified Payments Interface (UPI) platform. UPI, introduced by the National Payments Corporation of India (NPCI), enables real-time and hassle-free transactions. It’s a versatile system that allows you to link various bank accounts, and now even credit cards, to streamline your payment process. Here’s a step-by-step guide on how to link your credit card to UPI payment apps and make payments seamlessly:
Linking Credit Cards to UPI Payment Apps:
- Google Pay:
- Open the Google Pay app.
- Go to your profile and select “Payment methods.”
- Tap on “Add credit or debit card.”
- Enter your credit card details.
- Verify your card through the verification process.
- Set up your UPI PIN or use your existing one.
- Your credit card is now linked to Google Pay for UPI transactions.
- PhonePe:
- Launch the PhonePe app.
- Click on “My Money” and then on “Credit/Debit Cards.”
- Select “Add New Card” and enter your credit card information.
- Verify your card details and set up your UPI PIN.
- Your credit card is successfully linked to PhonePe.
- Paytm:
- Open the Paytm app.
- Tap on “Add Money” and then select “Credit Card.”
- Enter your credit card details.
- Verify your card and set up your UPI PIN.
- Your credit card is now added to Paytm for UPI transactions.
Making UPI Payments Using Credit Cards:
- RuPay Credit Card:
- Register on the BHIM app (download from Google Playstore).
- Choose “Credit Card” as your linking option.
- Select your issuing bank and confirm your selection.
- Generate a UPI PIN to complete the process.
- SBI Credit Card:
- Access the Paynet channel on the SBI Card/Mobile App.
- Enter your SBI credit card number and transaction amount.
- Choose your UPI option.
- Authenticate the payment with your UPI PIN.
- HDFC Credit Card:
- Select ‘BHIM UPI Payment’ on the mobile banking app.
- Enter your 6-digit App password.
- Choose ‘Send Money’ and enter beneficiary details.
- Enter your 4-digit UPI PIN and make the payment.
- Axis Bank Credit Card:
- Initiate your UPI payment from any UPI app.
- Enter the Axis Bank Credit Card bill UPI ID.
- Verify the details and enter the bill amount.
- Complete the transaction with your UPI PIN.
- PNB Credit Card:
- Add bank account and generate a virtual address with UPI PIN.
- Click on “Pay” and select beneficiary’s virtual address or IFSC.
- Initiate the transaction and authorize it with your UPI PIN.
- Kotak Bank Credit Card:
- Select ‘BHIM UPI’ in the Kotak Bank app.
- Click on ‘Send Money’ and choose your mode.
- Enter beneficiary details and confirm.
- Bank of India Credit Card:
- Log into the UPI app.
- Click on ‘Transfer Money’ and select ‘Send.’
- Choose ‘A/C IFSC’ and enter the details.
- Complete the transaction.
- IDBI Credit Card:
- Initiate your UPI payment from any UPI app.
- Enter the IDBI Bank Credit Card bill UPI ID.
- Verify the name and amount, and complete the transaction.
- Canara Bank Credit Card:
- Initiate your UPI payment from a UPI app.
- Enter Canara Bank Credit Card bill UPI ID.
- Verify the name and amount, and complete the transaction.
FAQs on Making UPI Payments Using Credit Cards:
- Can I cancel a UPI transaction after initiation? No, UPI transactions cannot be cancelled once initiated.
- How long does it take for money to be debited after a successful transaction? The money is debited instantly after the ‘transaction successful’ notification.
- What is a VPA/UPI ID/Virtual ID? It’s an identifier unique to each UPI user, used for secure transactions.
- Is there a charge for UPI transactions? No, customers are not charged for UPI transactions.
- Can I transfer money from my credit card to UPI? Yes, you can add money to your UPI wallet using your credit card.
- Can I transfer money from a credit card to a bank account? Yes, but with minimal charges.
- Which banks support linking RuPay credit cards on UPI? Union Bank of India, HDFC Bank, Indian Bank, and Punjab National Bank.
- Which apps allow linking RuPay credit cards on UPI? BHIM, Mobikwik, and Paytm.
Remember, UPI payments using credit cards offer convenience and security, but it’s crucial to remain vigilant against phishing and fraudulent activities. Always ensure that you are using official and trusted apps for UPI transactions.
