Product Overview:

RuPay Credit Cards on UPI will provide a seamless, digitally enabled credit card lifecycle experience for the customers. Customers will benefit from the ease and the increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem with acceptance of credit cards using asset lite QR codes.

RuPay Credit cards can now be linked to a UPI ID, thus directly enabling safe, and secure payment transactions.

Product features:
  • Discover credit card accounts from the issuer bank based on your registered mobile number and link it to the UPI ID on BHIM app or any UPI app.
  • Post linking the card, customer will be able to make payment to a merchant by scanning the UPI QR code. Payment authentication will be done using UPI PIN.
  • Cash withdrawal at merchant, P2P, P2PM, card to card payments will not be permitted through this functionality.
  • Transaction through this process will follow UPI standard transaction limits.
  • Features like AutoPay and dispute resolution will be available for the customer via ODR (UPIHelp) through UPI Apps.
How to link RuPay Credit Card on UPI?
Make payment with RuPay Credit Card on UPI
Make payment with RuPay Credit Card on UPI
Banks live with this features:
Which all banks are currently live for Credit Card on UPI?

Currently, three banks are live to link RuPay Credit Card on UPI – Punjab National Bank, Union Bank of India & Indian Bank

Which apps have been enabled for linking Credit Card on UPI?

Currently, on BHIM app customer can link their RuPay Credit Card on UPI. Other apps are enhancing their tech platforms to enable linking of credit card on UPI.

How can I link my RuPay Credit Card on UPI?

Please download BHIM app from Google Playstore. Complete the registration journey, select Credit Card as an option. Select your issuing bank name from the drop down. Basis the mobile number update with your issuing bank, masked Credit Cards will appear on the screen. Select the card which you want to link and confirm. Proceed to generate UPI PIN.

Will I have to set UPI Pin or I can authenticate Credit Card transactions using Card pin?

You will have to setup UPI Pin to authenticate this transaction.

How to generate UPI Pin for Credit Card?

Please select the Credit Card from the linked credit card accounts, select set UPI Pin option from the dropdown. Enter last 6 digits of your RuPay Credit Card number, enter the expiry date, follow steps to complete the journey

Can I change my UPI Pin?

Yes, you can change your UPI pin of your respective RuPay Credit Card account by selecting ‘Change UPI Pin’ from the drop-down menu. Follow the steps.

I forgot my UPI Pin, how can I regenerate?

Select the credit card account for which UPI pin to be reset, select ‘Forgot UPI Pin’ from the dropdown menu. Follow the steps.

How can I make payment to a retail offline merchant using Credit Card on UPI?

Open BHIM app on your mobile, click on ‘Scan’, QR scanner will open in BHIM app, scan the QR, enter the amount, select the masked credit card from the down down menu, confirm the payment by entering UPI Pin. Payment confirmation will be displayed, once the payment is done.

How can I make payment to an e-commerce merchant using Credit Card on UPI?

Payment can be made for e-commerce merchant either through an Intent request or collect request from the merchant. Select BHIM as payment mode at merchant website /app, login into BHIM app, select the masked Credit Card from the drop-down menu, confirm the payment using UPI Pin. Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.

What if I change my mobile number, how can I link my RuPay Credit Card on BHIM app?

If you have changed your mobile number, kindly update the same at your Credit Card issuers end. Once updated, kindly re-register the credit card on BHIM app.

How can I get to see my available balance and outstanding on BHIM app?

Select the Credit Card account for which you need to check the available and outstanding balance, click on ‘Check Balance’ from the drop-down menu and confirm using UPI pin, the available and outstanding balance will appear on the screen.

Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?

No, only payment to merchant (P2M) will be allowed from the linked Credit Card.

Can I link my Visa/ Mastercard Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

What is the maximum number of Credit Cards that can be linked on UPI?

There is no restriction of linking RuPay Credit Card on UPI

What are the number of transactions allowed from linked Credit Card on UPI?

There is no limit for the number of transactions carried out from linked Credit Card on UPI

Is there any limit on the amount of transaction that can be carried out from linked Credit card on UPI?

Amount limit per card per day - UPI limit (1 lakh per day and 2 lakh for some special MCC codes), however it will be limited to the available credit limit on your card.

Will I be charged for linking or carrying out any transaction from linked Credit Card on UPI?

Customers will not be charged for linking or carrying out any transaction from the linked Credit Card on UPI.

What are the restricted merchant categories on which customer won’t be able to make payment using Credit Card on UPI?

Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by the issuing bank / RBI.

Can I make the payment of my Credit Card bill using UPI?

Yes, Credit Card bill payment can be done through the linked savings account from the BHIM App. For recurring bill payments, you can register for UPI AutoPay.

Can I raise charge back or refund on BHIM app for linked Credit Card on UPI?

Yes, charge back or refund can be raised for the linked Credit Card through UPIHelp.

Can I make my linked Credit Card as default account to receive funds?

Credit Card cannot be made as a default option to receive funds

RuPay Credit cards on UPI - Promotional cashback campaign on BHIM App

Offer terms and conditions

Applicability:

  • The offer shall be applicable on RuPay Credit cards
  • In order to avail the benefits under this offer, RuPay cardholders would be required to get their RuPay Credit cards linked to UPI via BHIM app

Offer/campaign period:

  • The offer will be valid from 1st Dec'22 to 31st Mar'23 (both days inclusive)

Offer and campaign details:

  • Cashback of 10% on spends through Credit card on UPI through BHIM
  • Minimum transaction for eligibility is ₹ 50
  • Each customer is eligible to receive maximum ₹ 100/- cashback per month, within cashback period.
  • Cashback will be credited to customers Credit card account on meeting the following conditions:
    • Linking credit card to BHIM app
    • Spends on the linked Credit card on UPI through BHIM app or any UPI app, during the offer period
  • Customer will be eligible for cashback up to ₹ 100 per month.

Qualifying Transaction:

  • All RuPay credit card linked on UPI through BHIM app
  • All successful transactions of more than ₹ 50 during the offer period
  • Transactions till the cashback limit of ₹ 100 getting exhausted in a month for a particular customer

Example:

Customer Card Transaction Amount (₹) Final Cashback (₹) Remarks
Month 1 Card 1 Transaction 1 300 30 Eligible
Transaction 2 250 25 Eligible
Transaction 3 40 0 Not eligible, minimum transaction amount is ₹ 50
Total Cashback card 1

 

55

 

Card 2 Transaction 1 100 10 Eligible
Transaction 2 200 20 Eligible
Transaction 3 70 7 Eligible
Transaction 4 250 8 Eligible upto maximum ₹ 100 per card
Transaction 5 50 0 Maximum cashback of ₹ 100 receive, hence no cashback
Transaction 6 400 0 Maximum cashback of ₹ 100 receive, hence no cashback
Total Cashback card 2

 

45

 

Total Cashback Per customer

 

100

(Card 1 + Card 2)

Other Terms:

  • National Payments Corporation of India (NPCI) will not be responsible or liable in case the transaction could not be done due to but not limited to malfunction, delay, traffic congestion on any telephone network or line, computer on-line system, servers or providers, computer equipment, software, or website.
  • NPCI may, at any time change, amend, add or delete the terms and conditions associated with the campaign and communicate the changes to the member banks from time to time.
  • NPCI also reserves the right to discontinue the campaign without assigning any reasons or without any prior intimation whatsoever.
  • In case customer doesn't receive a cashback within above TAT, needs to reach out to respective issuing banks for status.
  • The Cashback amount will be credited in the RuPay Credit cardholder's respective bank account through his/her card Issuing Bank, within 3 days of the transaction date which is qualified for receiving cashback.
  • In case customer doesn’t receive a cashback within above TAT, needs to reach out to respective issuing banks for status.le in any manner whatsoever for any loss/damage/claim that may arise out of use or otherwise of any goods/services availed of by the RuPay cardholder's under the campaign.
  • NPCI holds out no warranty or makes no representation about the quality, delivery or otherwise of the goods and services offered/sold by the merchant who is accepting the RuPay Credit card on UPI. Any dispute or claim regarding the goods and services must be resolved by the cardholder's with merchant who is accepting the Credit card payment directly without any reference to NPCI.
  • NPCI shall not be liable in any manner whatsoever for any loss/damage/claim that may arise out of use or otherwise of any goods/services availed of by the RuPay cardholder's under the campaign.li>
  • Decision made by NPCI will be final and binding on all member banks.
  • The offer is not transfer9. Any RuPay cardholder participating in this campaign shall be deemed to have read, understood and accepted these terms and conditions.
  • The terms and conditions of the campaign shall be in addition to and not in substitution/derogation to the Primary Terms and Conditions governing the RuPay Credit card.
  • The offer is not transferable, non-negotiable and cannot be enchased at the retail participating stores.
  • Incomplete/declined/invalid/returned/disputed or unauthorized/fraudulent transactions will not be considered for the offer.

Governing Law and Jurisdiction:

  • These terms and conditions shall be governed by and interpreted in accordance with the Indian law. The jurisdiction and venue of any action with respect to the subject matter of these terms and conditions shall be the courts of Mumbai in India.

RuPay Credit cards on UPI - Promotional cashback campaign on BHIM App

Can I avail this offer if my credit card is of another card network's other than RuPay

No, this offer is applicable only on RuPay Credit cards

I have a RuPay Credit card, but I have not linked it to UPI, can I still avail the offer?

No, in order to avail the benefits under this offer, RuPay cardholders would be required to get their RuPay Credit cards linked to UPI via BHIM App

What is the offer period?

The offer will be valid from 1st Dec’22 to 31st Mar’23 (both days inclusive)

What is the cashback campaign run on RuPay Credit cards on UPI all about? What are the benefits of this offer?

The cashback campaign benefits you by offering you a cashback of 10% on spends through Credit card on UPI through BHIM app per customer per month. To avail this offer you need to link your RuPay Credit card to UPI through BHIM app and transact via the same mode. A unique customer is eligible to receive maximum ₹ 100/- cashback per customer per month, during the campaign period.

What is the minimum transaction to avail this offer?

The minimum transaction for eligibility is ₹ 50.

What is the maximum amount that I will get when I spend on the linked Credit card on UPI through BHIM app or any UPI app?

Each customer will be eligible for cashback up to ₹ 100 per customer per month

I have one RuPay Credit card. How many times can I avail this offer on that card?

During the offer period, you will be eligible to get cash back of ₹ 100 per card per month. And the cashback can be availed on multiple transactions. For example, if you have only one RuPay card, you can avail max of ₹ 100 per card per month during the offer period. In case you have two cards, offer will be applicable for each of the cards.

I have two RuPay Credit card. How many times can I avail this offer on both cards?

During the offer period, you will be eligible to get cash back of ₹ 100 per customer per month. The cashback will be cumulative of both card, thus collectively you will earn ₹ 100 for two cards.

Customer Card Transaction Amount (₹) Final Cashback (₹) Remarks
Month 1 Card 1 Transaction 1 300 30 Eligible
Transaction 2 250 25 Eligible
Transaction 3 40 0 Not eligible, minimum transaction amount is ₹ 50
Total Cashback card 1

 

55

 

Card 2 Transaction 1 100 10 Eligible
Transaction 2 200 20 Eligible
Transaction 3 70 7 Eligible
Transaction 4 250 8 Eligible upto maximum ₹ 100 per card
Transaction 5 50 0 Maximum cashback of ₹ 100 receive, hence no cashback
Transaction 6 400 0 Maximum cashback of ₹ 100 receive, hence no cashback
Total Cashback card 2

 

45

 

Total Cashback Per customer

 

100

(Card 1 + Card 2)