Can UPI be linked with a credit card?

Yes, UPI can be linked with RuPay credit cards. This feature, enabled by the National Payments Corporation of India (NPCI), allows users to make merchant payments by scanning QR codes or using the merchant's UPI ID. Key features include:

• Linking is currently restricted to RuPay network credit cards issued by participating banks.
• You can use the linked card for merchant transactions, but person-to-person (P2P) transfers are generally not permitted.
• Payments are authenticated using a UPI PIN, eliminating the need for physical cards or OTPs.