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.

Please download BHIM app from Google Play store. 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.

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.

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

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.