Can UPI be linked to a credit card?

Yes, UPI can be linked to a credit card. According to NPCI guidelines, RuPay credit cards issued by participating banks can be linked to UPI-enabled applications. This allows users to make merchant payments by scanning QR codes or using merchant UPI IDs. Key details include:

• The feature is currently limited to RuPay credit cards.
• Transactions are primarily permitted for merchant payments and not for person to person transfers.
• Users must link the card and set a secure UPI PIN to authorize payments directly from their credit limit.