How can I get UPI ID without ATM card?

You can set up your UPI account without a debit or ATM card by linking your bank account to a UPI application that supports Aadhaar-based verification. Instead of using card details, select the Aadhaar option, submit your details, verify using OTPs (from UIDAI and your bank), and then set your UPI PIN. This option is becoming increasingly common, especially through platforms like Paytm, which facilitates the Aadhaar verification method.