Can you use UPI with a credit card?

Yes, you can use UPI with a credit card. The National Payments Corporation of India (NPCI) has enabled the linking of RuPay credit cards with the Unified Payments Interface (UPI). This feature allows you to make instant merchant payments by scanning QR codes without needing a physical card. Key aspects include:

• Currently, only RuPay network credit cards from participating banks are eligible for UPI linking.
• Transactions are permitted for merchant payments but typically not for person to person money transfers.
• You must set a secure UPI PIN using your credit card details to authorize payments.