How To Make UPI Payments Using Credit Cards In 2024 (2024)

Isn’t it interesting to note how UPI quickly became a convenient habit for people in India? Millions of QR codes have now flooded fancy restaurants and street food stalls alike. Direct pay from UPI apps have been integrated into E-commerce websites.

The use of debit cards has been significantly revolutionized by the UPI wave in India so much so that you don’t need to carry your debit card if you have UPI on your phone.

But what about the credit cards? Do you still need to carry one? If your mind is reeling with these questions, read this guide on how you can make UPI payments using your credit card.

How to Make UPI Payments Using Credit Card in India

Using your physical credit card can be a problem in many ways. You could lose it and someone could misuse your credit card or your information could be compromised after you swipe your credit card at merchant outlets. But how does one use a credit card in India then? The answer is simple: Link your RuPay credit card with your UPI.

Technology is constantly innovating, solving the problems of daily life at a faster rate than one can imagine. In the digital finance world, UPI apps are integrating payments methods. You can easily use UPI apps like Gpay and PayTM that offer the feature to use your credit cards (instead of debiting money from your bank accounts) to make payments.

This means you can simply make payments online or offline with your credit card without ever needing to swipe it physically. Your details stay secure, your physical credit card stays protected and you can use the full range of benefits that a credit card offers such as discounts and EMIs.

It is important to note that currently, this facility is only available for RuPay Credit Cards in India. This means you will not be able to link your VISA or MasterCard Credit Card with your UPI.

Steps to Make UPI Payment Through Credit Card

If you’re convinced you need to add your UPI ID with your credit card, read the following steps that can help you link your UPI with your credit card and start making payments.

Link your UPI ID and Credit Card in 2 simple steps:

Step 1: Download and Register with a UPI Application

If you don’t have a UPI already, browse through various UPI applications on the App Store or Play Store. Pro Tip: I recommend GPay over other forms for its well designed UPI interface and delightful user experience so you never make mistakes while making payments.

Once you have selected your desired UPI application, all you need to do is link your bank accounts with your registered phone number, authenticate and verify your details and you’re all set to go.

Step 2: Link your Credit Card

Go to your profile or settings and find “Set up payment methods” or “Add a payment method.” Enter your credit card details and authenticate your ownership of the credit card by submitting the OTP sent to your number.

Et Voila! You should be successful in linking your credit card with your UPI ID after authenticating it.

Make Payments through UPI with your Credit Card

The method to make payments through UPI with your credit card absolutely remains the same as it was for other payment methods. However, one can also read the following guide to know more:

Step 1: Scan a QR Code or enter the receiver’s UPI details.

Step 2: Tap on ‘Pay’ and enter the amount.

Step 3: Choose to pay with your credit card amongst the payment options.

Step 4: Submit your passcode.

You would make your life easier for yourself by linking your UPI ID with your credit card. Enjoy a convenient way to make payments for the time being (until technology makes it even more easier).

Benefits of Using UPI for Credit Card Transactions

Billions of transactions happen every month on UPI. Using a UPI has completely changed the experience of living and making payments in India. The hassle to get change and the scuffle one faced while pulling out loose notes from purses are all in the past. All you need today is a credit card and a UPI app on your smartphone.

If you are still unsure of whether you should be linking your credit card to your UPI, here are some benefits that can convince you.

No need for a physical card: The most obvious benefit of having your UPI linked to your credit card is not having to carry the physical card everywhere. So you can leave your credit card and also the worries of losing it at home.

Ease of use: You can make all your day to day utility bills like phone recharges, electricity, water through UPI linked credit card. You can also use your UPI linked credit card to make purchases on E-commerce. This means you won’t have to enter your credit card details all the time.

Rewards and offers: By actively using the credit card through UPI, you can increase your liquidity which will get you more points from your credit card provider. You can avail cashbacks, discounts, coupons or unlock offers by using your credit card and your UPI.

A habit worth having: Using a UPI application is a habit. You can easily switch between different modes of payment within the same app instead of juggling between the applications all together. For instance, if you hit your credit limit on your credit card, simply switch to the pay through your bank account.

Instant transactions: Nobody wants to wait or face any hassles while making financial transactions. Most popular UPI applications have already proven to us that they’re extremely efficient when it comes to making quick and instant transactions.
Ease of browsing transaction history: This is particularly beneficial for those who want to keep track of their spending across multiple modes of payments. You can easily view your integrated transaction history across your credit cards and bank accounts on UPI applications.

Which Bank Credit Cards are Functional with UPI?

You may wonder if your bank’s credit card can be linked with your UPI ID at all. Let us make this clear. Currently, UPI supports integration with only RuPay credit cards. This means you cannot link your cards with VISA or MasterCard credit cards.

You can use RuPay credit cards offered by the following banks:

1. Punjab National Bank
2. Union Bank of India
3. Indian Bank
4. HDFC Bank
5. Axis Bank
6. Kotak Mahindra
7. Canara Bank
8. State Bank of India
9. Yes Bank
10. BOB Financial Solutions Limited

If you do not possess a credit card from any of these financial institutions, do not worry. There are more banks that are working their way to offer UPI integration with credit cards.

Furthermore, the following UPI applications support UPI integration with credit cards.

1. BHIM
2. BHIM PNB
3. CRED
4. CanaraA1
5. Gokiwi
6. Google Pay
7. PayZapp
8. PhonePe
9. Slice
10. Mobikwik
11. Paytm

Some of these UPI applications are the most popularly used applications in India. This is because they have paid close attention to making payments secure, accessible and quick. It is recommended to use UPI applications that have positive reviews to avoid any financial losses or data compromise.

Bottom Line

Our payment habits have changed massively ever since UPI entered the scene and it has only made things more easier and integrated. With UPI integrating credit cards for payments, the habit of using a physical credit card is also slowly fading away. If you want to stay up to date with the world, don’t forget to link your credit card with your UPI.