What is a RuPay Credit Card on UPI?
RuPay Credit Card on UPI lets you link your credit card to a UPI app. Once linked, you can scan any merchant’s UPI QR code and pay using your credit card. This gives you the benefit of credit without needing to carry the card physically.
Key Features of RuPay Credit Card on UPI
- Link your RuPay Credit Card using your mobile number through a UPI app.
- Pay at shops and online using UPI QR code.
- Enter a secure UPI PIN to make payments.
- The AutoPay option is available to pay your credit card bills.
- Check available credit and outstanding amount on the app.
- Dispute help available through UPIHelp (ODR system).
- Safe and secure — works only for merchant payments, not for person-to-person or cash withdrawal.
How to Link Your RuPay Credit Card on UPI
You can easily link your RuPay Credit Card to UPI using the Paytm app by following these simple steps:
Step 1: Open the Paytm app and navigate to the ‘Loans & Credit Cards’ section.
Step 2: Tap on ‘View All’ and select ‘Link RuPay Credit Card to UPI’.
Step 3: Choose your issuing bank from the drop-down menu.
Step 4: Your masked credit cards, linked to your bank-registered mobile number, will appear on the screen.
Step 5: Select the credit card you wish to link and confirm your choice.
Step 6: Set up your UPI PIN to complete the process.
How to Make Payments with RuPay Credit Card on UPI
- Scan the merchant’s UPI QR code.
- Choose your linked RuPay Credit Card as the payment method.
- Enter your credit card UPI PIN.
- Confirm the payment — Done!
Do’s for Customers
- Set a different UPI PIN for your credit card.
- Always allow app permissions like SMS and contacts during setup.
- Make payments only to merchant QR codes.
- Keep your registered mobile number updated with your credit card bank.
- Check available balance before making payments.
Don’ts for Customers
- Don’t share your UPI PIN or OTP with anyone.
- Don’t use the same PIN for bank account and credit card.
- Don’t pay for restricted categories like P2P transfers, cash withdrawals, IPO, or mutual funds.
- Don’t exceed your credit card limit.
