Choose your preferred bank to apply for a RuPay Credit Card and enjoy exclusive benefits, offers and more throughout the year
All Banks
Axis IOCL RuPay Credit Card
Basic features
  • 100% cashback up to ₹250 on all fuel spends within first 30 days of card issuance.
  • 20 reward points per ₹100 on fuel spends on IOC Terminal.
  • 5 reward points per ₹100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: ₹100
  • 1 rewards points per ₹100 spent on all other spends. Maximum eligible spends 5000/month
  • 1% Fuel surcharge waiver is applicable for fuel spends between 200 to 5000.
  • Annual Fee waived off if spends more than 50000 per year.
  • 10% instant discount for movie ticket booked via BookMyshow website.
  • Enjoy up to 15% Discount on partner Restaurants via EazyDiner
IRCTC RuPay Credit Card
Basic features
  • Joining Fee: ₹500/-
  • Annual fee – ₹350/-
  • Up-to 20X reward points on 1AC, 2AC, 3AC, CC or EC class booking for ticket purchases at IRCTC website www.irctc.co.in
  • 2X i.e. 4 reward points on every ₹100 spent on groceries and departmental stores
  • Get 1000 activation bonus Reward Points on single transaction of ₹1000
  • or more within 45 days of card issuance ( Worth ₹250)
  • Complimentary Domestic and international Lounge Program.
HPCL RuPay Credit Card
Basic features
  • Up to 5% Savings on Fuel at HPCL retail outlets
  • Joining Benefit of 2000 Reward Points
  • 25% Off on Movie Tickets
  • Complimentary Domestic Lounge Program (4 in a year)
  • 10 Reward Points for every ₹150 spent on Utility, Grocery & Departmental stores
Snapdeal RuPay Credit Card
Basic features
  • 5% Unlimited Cashback on Snapdeal
  • SnapDeal Shopping vouchers worth up to ₹500 on Activation within 30 days
  • 10 Reward Points on Everyday Spends on Groceries, Online Shopping & departmental stores
  • All your accumulated Reward Points will be auto-credited as cashback to the monthly statement. 1 Reward Point = ₹0.25
HDFC RuPay Shoppers Stop Credit Card
Basic features
  • Lifetime FREE card
  • Earn 6 First Citizen Points for every ₹150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month
  • Earn 2 First Citizen Points for every ₹150 spent on all other Shoppers Stop brands & other category spends (except fuel & wallet)
  • Complimentary Shoppers Stop membership
  • 1 FC point= 60 paise
HDFC RuPay IndianOil Credit Card
Basic features
  • Earn up to 50 Litres of Free fuel annually
  • Earn 5% of on spends as Fuel Points at IndianOil outlets
  • Earn 5% of on spends as Fuel Points on Groceries and Bill Payments
  • Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
  • Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
HDFC RuPay Tata Neu Credit Card
Basic features
  • 7% NeuCoins on Tata Neu (Including 5% NeuCoins with NeuPass membership)
  • 2% NeuCoins at Partner Tata Brands (Online & in-store purchases)*
  • Partner Tata Brands – bigbasket, Croma, Tata 1mg, Air Asia, Tata CliQ, Westside, Taj Hotels, Vivanta Hotels, Ginger Hotels, Qmin, Tata Play, Tata Pay, Cult (Cultfit, Curefit), Titan, Tanishq
  • 2% NeuCoins on bill payment & recharges through Tata Neu
  • 1% NeuCoins on other spends
  • Redeem Neucoins (1 NeuCoin = ₹1) for purchases at Partner Brands
  • Complimentary lounge access - 1 per quarter at Domestic airport lounges
  • 1% fuel surcharge waiver
  • Welcome benefit of 499 NeuCoins (applicable only on paid card)
  • Get the renewal fee waived off on minimum spend on ₹1,00,000 in previous year
ICICI Coral RuPay Credit Card
Basic features
  • Earn 2 Reward Points, on every ₹100 spent on your card (except fuel)
  • Earn 1 Reward Point, on every ₹100 spent on utilities and insurance categories
  • Under the new ICICI Bank Milestone Rewards programme, get 2000 Reward Points on spending ₹2,00,000 on your card & 1,000 Reward Points, each time you cross ₹1,00,000 spend, thereafter, in an anniversary year; maximum of 10,000 Reward Points, per year
  • Get one complimentary access to select airport lounges in India, each quarter*
  • Get one complimentary access to select railway lounges in India, each quarter
  • Avail of a discount of 25%, up to ₹100, on a minimum purchase of two movie tickets, per transaction on BookMyShow & Inox( Offer can be availed twice in a month )
  • Personal Accident insurance cover of ₹2 lakh*
  • 24x7 Concierge services*
  • The finest dining experiences now come with equally impressive savings. Make use of exclusive offers on dining, through ICICI Bank Culinary Treats Programme. For details, visit www.icicibank.com/culinarytreats
IDFC First Power Plus RuPay Select Credit Card
Basic features
  • Get up to 175 litres free fuel annually
  • ₹500 cashback on 1st HPCL fuelling + other welcome benefits worth ₹1,650
  • ₹499 Introductory Zero Joining Fee
  • Up to 6.5% savings on fuel spends,
  • 5% savings on Grocery, Utility & IDFC FASTag recharge
  • 3X Rewards on other retail spends
  • Airport lounge access, Movie discounts & Road-side Assistance
  • Never expiring Rewards
  • Low & Dynamic Interest rates starting at 9% per annum
  • 0% Interest on ATM Cash Withdrawals until due date
  • ₹499 annual fee, waived-off on ₹1.5 Lakh spends in the anniversary year
IDFC First Power RuPay Select Credit Card
Basic features
  • Get up to 65 litres free fuel annually
  • ₹250 cashback on 1st HPCL fuelling + other welcome benefits worth ₹1,650
  • ₹199 Introductory Zero Joining Fee
  • Up to 5% savings on fuel spends,
  • 2.5% savings on Grocery, Utility & IDFC FASTag recharge
  • 3X Rewards on other retail spends
  • Road-side Assistance & Insurance cover
  • Never expiring Rewards
  • Low & Dynamic Interest rates starting at 9% per annum
  • 0% Interest on ATM Cash Withdrawals until due date
  • ₹199 annual fee, waived-off on ₹50 thousand spends in the anniversary year
Kotak Urbane RuPay Card
Basic features
  • Earn 3 Reward Points against retail spends of ₹100
  • Get 4 PVR tickets or 10,000 Reward Points on annual spends of ₹1 Lac
  • Zero joining Fee
  • ₹199 Annual Fee
Kotak IOCL RuPay Credit Card
Basic features
  • Save 5% on IndianOil fuel spends
  • 2% back as Reward Points on Grocery and Dining spends
  • 1000 Reward Points as welcome benefit on spending ₹500 within 30 days of card issuance
  • Annual fee of ₹449 waived on spending ₹50,000 in the previous anniversary year.
PNB Platinum RuPay Credit Card
Basic features
  • No Annual and joining Fees( if card is used once in a quarter)
  • 300+ reward points on 1st usage
  • Comprehensive Insurance Coverage upto 2 L
  • Cashback @2% for all transactions over and over ₹2500. Subject to a ceiling of ₹50/- per Txn at Patanjali stores
  • 5-7% additional cashback given by Patanjali Ayurved Ltd. To Patanjali Swadeshi Samridhi Card customers on recharge using PNB Patanjali CC
  • Facility of linking CC on UPI
  • Complimentary domestic & international Lounge Access
PNB Select RuPay Credit Card
Basic features
  • No Annual and joining Fees( if card is used once in a quarter)
  • 300+ reward points on 1st usage
  • Comprehensive Insurance Coverage upto 10 L
  • Cashback @2% for all transactions over and over ₹2500. Subject to a ceiling of ₹50/- per Txn at Patanjali stores
  • 5-7% additional cashback given by Patanjali Ayurved Ltd. To Patanjali Swadeshi Samridhi Card customers on recharge using PNB Patanjali CC
  • Facility of linking CC on UPI
  • Complimentary domestic & international Lounge Access
  • Complimentary Premium Health Check Up Package, golf & Spa sessions and Gym membership Comprehensive Insurance Coverage upto ₹10 Lacs.
PNB Millennial RuPay Credit Card
Basic features
  • Minimum Joining Fees
  • NIL Annual Fee if spends on the card is ₹1 Lacs during previous financial year
  • NIL Renewal Fee
  • Max. 2 Add on Cards
  • Comprehensive Insurance Coverage upto ₹10 Lacs.
  • Complimentary Domestic and International Lounge Access.
  • Premium Health Check Up Package
  • Complimentary Golf and Spa Sessions
  • Complimentary Gym Membership
  • 24/7 Concierge Services available
  • Interest Free Period from 20 Days to 50 Days from Date of Transaction
  • Convenient Mobile App “PNB GENIE” – One Stop Solution
  • Limit: Min ₹50,000 and Max. ₹10 Lacs
PNB Platinum RuPay Credit Card
Basic features
  • NIL Joining Fees
  • Low Annual Fee. Waived if card is used once in each quarter
  • NIL Renewal Fee
  • Lucrative Reward Points with 300+ Reward Points on Activation
  • Max. 2 Add on Cards at No Extra Cost
  • Comprehensive Insurance Coverage upto ₹2 Lacs.
  • Complimentary Domestic and International Lounge Access.
  • 300+ Merchant Offers
  • Interest Free Period from 20 Days to 50 Days from Date of Transaction
  • Convenient Mobile App “PNB GENIE” – One Stop Solution
  • Limit: Min ₹25,000 and Max. ₹5 Lacs
Yes Bank RuPay Credit Card
Basic features
  • 8 Reward Points on every ₹200 on travel and dining categories
  • Upto 4 Reward Points on spend of ₹200 on other Categories
  • Preferential Foreign Currency Markup of 2.75% on all international spends
  • 1% Fuel surcharge waiver at all fuel stations across India
RuPay Credit Cards (only applicable for existing bank users)
Union Bank Select RuPay Credit Card
Basic features
  • No joining fee
  • Link your RuPay credit card to any UPI app for merchant payments
  • Complimentary access to domestic and international lounges
  • Free personal accident insurance coverage up to ₹10 lakh
  • Lost Card Insurance Coverage up to ₹1.50 Lakhs.
  • 1% reimbursement on fuel purchases up to maximum of INR 100 per month/per card
  • Earn 4 Reward Points on every ₹100/- spent
  • Exclusive offers on partner merchants
  • Annual Maintenance Charges is waived on spending of ₹50,000 in 1 year.
Union Bank Select RuPay Credit Card
Basic features
  • Joining fee ₹999/-
  • Link your RuPay credit card to any UPI app for merchant payments
  • Complimentary access to domestic and international lounges
  • 1 Complimentary premium health check up in a year. Discounted health check-up facility thereafter
  • 1 Complimentary premium Spa session in a year. Discounted on additional sessions throughout the year
  • Complimentary Golf lesson/round in a year. Discounted access from 2nd visit onwards.
  • 15 days/1-month free Gym membership. 40-50% discounted price on extension of membership
  • Free personal accidental Insurance coverage of ₹10.00 Lakh.
  • Lost Card Insurance Coverage of up to ₹1.50 lakhs.
  • Reward Points on every ₹100 spent, 4 points on Dining, Shopping, Groceries and Departmental stores, Apparels and 2 points on other non-fuel spends.
  • Waiver of fuel purchase surcharge, 1% up to ₹100/- per month.
  • Exclusive offers on partner merchants
  • Annual maintenance charge is waived on spending of ₹1.00 Lakh in 1 year.
Union Bank Platinum RuPay Credit Card
Basic features
  • No joining fee
  • Link your RuPay credit card to any UPI app for merchant payments
  • Free personal accident insurance coverage up to ₹2 lakh
  • Lost Card Insurance Coverage up to ₹1.50 lakhs.
  • 1% reimbursement on fuel purchases up to maximum of ₹100 per month/per card
  • Reward Points on every ₹100/- spent, 2 points.
  • Exclusive offers on partner merchants
  • Annual Maintenance Charge is waived off on spending ₹30,000 in a year.
Union Bank Platinum RuPay Credit Card
Basic features
  • Joining fee ₹499/-
  • Link your RuPay credit card to any UPI app for merchant payments
  • Complimentary access to domestic and international lounges
  • Medical services, including long-term patient-doctor relationship, diagnostic tests, palliative care, physiotherapy/nurse/doctor services, hospital tie-up chains, and senior living
  • Additional medical coverage for dental, vision, hearing, orthodontics, and cosmetic surgery
  • Medical products, such as OTC diagnosis products, medical supply delivery aggregators, and wearables
  • Lifestyle options, such as fitness club memberships, online fitness apps, spa/yoga, and recreational retreats.
  • Free personal accident insurance coverage up to ₹10 lakh
  • Lost Card Insurance Coverage up to ₹1.50 lakhs
  • Earn 2 reward points for every ₹100 spends
  • Waiver of fuel purchase surcharge, 1% up to ₹100/- per month
  • Exclusive offers on partner merchants
  • Annual maintenance charge is waived on spending ₹50,000/- in a year
RuPay PLATINUM UNI-CARBON CREDIT CARD
Basic features
  • Joining fee ₹499/-
  • Link your RuPay credit card to any UPI app for merchant payments
  • Welcome bonus of up to ₹300 on fuel purchase worth ₹300 or more within 60 days of card activation.
  • Earn 4% cashback on fuel purchases of ₹500/- or more at authorized HPCL outlets. Plus, get 1.5% cashback in the form of HPPay reward points when you use the HPPay app to make fuel payments.
  • Avail waiver of fuel purchase surcharge, 1% up to ₹100/- per month (on transaction value of ₹200 and above at HPCL outlets).
  • Free personal accident insurance coverage up to ₹10 lakh
  • Lost Card Insurance Coverage up to ₹1.50 lakhs
  • Earn 2 reward points for every ₹100 spent on non-fuel transactions
  • Exclusive offers on partner merchants
  • Annual maintenance charge is waived on spending ₹1.00 lakh in a year
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
Do’s & Don’ts for users
Do's for customers
Do’s
  • Allow the UPI app to read your SMS, Contacts and Call history for the UPI app to link your RuPay Credit Card.
  • Always set up a different UPI PIN to authenticate Credit Card transactions on UPI, at the time of linking your credit card on UPI.
  • Make payment only to merchants QR Codes, e-comm merchant using CC on UPI.
  • Setup UPI Autopay to make payments of your Credit Card bills on time.
  • Always keep your mobile number updated with your Credit Card issuing bank, for you to link your RuPay Credit Card on UPI.
  • Do check your available balance and outstanding amount on UPI app before initiating any merchant payment.
Don'ts for customers
Don’ts
  • Don’t share your UPI PIN with anyone.
  • Don’t keep your CC on UPI PIN and your Saving Banks account UPI PIN & Card Pin same.
  • Don’t share the OTP with anyone which you receive during the registration process.
  • Don’t breach the credit limit assigned by your issuer on UPI while making payment to merchants.
  • Don’t make payments using RuPay Credit Card on UPI for categories such as Person to Person, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, Card to Card payment, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds, and any other categories as restricted by the issuing bank / RBI from time to time.
Banks live with this feature:
Apps live with this feature:
Which all banks are currently live for Credit Card on UPI?

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

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

Currently, on BHIM, Mobikwik and Paytm 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?

Follow these simple steps to link your RuPay Credit Card with UPI.

  • Download the BHIM/ PhonePe/ Paytm/ Mobikwik app from Google Play store for Android users and App store for iOS users.
  • Complete the registration journey.
  • From the drop-down list, select your bank.
  • Select the RuPay Credit Card you want to link from all the credit cards associated with your mobile number
  • 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 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

My PNB RuPay Credit Card, BHIM app is suddenly showing UPI PIN not set?

There has been a technical upgrade to provide a better experience. Request customers to set-up the UPI PIN again on the linked RuPay Credit Card account by selecting ‘Forgot UPI Pin’ from the drop-down menu. Follow the steps.

After resetting UPI PIN, My PNB RuPay cards on BHIM app is showing UPI PIN not set?

There has been a technical upgrade to provide a better experience. Request customers to remove the credit card from the BHIM app by selecting “Remove” from the drop-down menu and add the PNB RuPay Credit Card again. Follow the steps.

Can we use RuPay credit card for UPI transaction?

Yes, you can register your RuPay Credit card on the BHIM UPI app similar to the saving account linking process, and use the RuPay Credit card at any merchant. Please note, only Merchant payments are allowed from the RuPay Credit card linked to UPI apps.

How to activate UPI on RuPay credit card?

To Enable the RuPay Credit card on UPI, the user needs to discover the Credit card issuer bank on the UPI apps under add Credit card option and link the card on the UPI apps. Post linking the user needs to set up UPI PIN for the linked Credit card using their Credit card details as guided in the UPI apps. After linking and PIN set, the user can use the RuPay Credit card for payment.

What is the limit of RuPay credit card on UPI?

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

Which UPI accepts credit card?

You can perform a transaction using your UPI-linked RuPay Credit card at all UPI merchants.

Is RuPay credit card use on UPI free up to ₹2000?

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

Can I link my credit card with BHIM UPI?

Yes, select Credit Card as an option in adding account tab. 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.

Can I open UPI with credit card?

Yes, at the time of registration users need to select their credit card issuing bank name and follow the step to register in UPI apps.

Can I scan and pay using credit card?

Yes, customers can pay merchants using Credit cards registered on UPI.

Can I transfer money directly from credit card to bank account?

No, Only Merchant payment is allowed from the Credit Card registered on UPI.

How to use RuPay card for online payment?

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

Can I use credit card to pay via QR code?

Yes, register your RuPay Credit card on UPI apps and start using the Credit card for QR code payments.

Can you use credit card on QR pay?

Yes, register your RuPay Credit card on UPI apps and start using the Credit card for QR code payments.

Can we add RuPay credit card to UPI?

Please download the UPI app (RuPay Credit card supported UPI apps) from Google Playstore/ App store. To 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.

Can I send money to UPI using credit card?

Yes, customers can send money/ pay to merchants using Credit card registered on UPI.

Can I link my credit card to UPI ID?

Yes, please download UPI app (RuPay Credit card supported UPI apps) from Google Playstore/ App store. To 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.

How can I scan and pay with credit card in Paytm?

Click on the Link RuPay Credit card on the Paytm UPI option on Paytm App. 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.

Can you pay someone with a credit card?

No, Only Merchant payment is allowed from the Credit Card registered on UPI.

APP specific
How can I link my RuPay credit card to Paytm UPI?

Click on Add Credit Card option on Paytm App. 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.

Can we add RuPay credit card in Google Pay

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

Can I add my credit card to PhonePe?

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

Can we pay through credit card on Paytm?

Yes, customers can pay to merchants using Credit card registered on Paytm.

How can I add my credit card in Paytm?

Click on the Link RuPay Credit card on Paytm UPI option on Paytm App. 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.

How do I pay with Google pay with a credit card?

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

How do I use my credit card for UPI payment on PhonePe?

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

How do I add a RuPay credit card to Google Pay?

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

Can RuPay be linked to Google pay?

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

Does Paytm support RuPay cards?

Yes, additionally apps such as BHIM, Mobikwik, and Slice also support linking of RuPay Credit Card.

For any more details on Rupay Credit card on UPI refer NPCI website

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

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)