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.

In order to increase the use of digital payement ,  government is trying to make its position on the top by providing cashback to the users and merchants. Previously, BHIM app extended its offer of cashback for the merchants to March 31, 2018. Now Ministry of Electronics and IT (MeitY) has decided that new users are also going to get a cashback on Rs 51 while using the application and the merchants who use the app will be eligible for a cashback of Rs 1000 in total. Similar cashbacks being provided by other applications (Google Tez) since users receive a total sum of Rs 51 regardless of what amount they transact through the UPI app.


Currently in BHIM There is no minimum limit for the transaction to be eligible for the cashback. This promotion offer is used to compete with other UPI apps likes of Google Tez, PAYTM UPI and other.

For every transaction for a minimum of Rs 100 to any VPA (Virtual Payment Address)/ UPI ID, bank account, or mobile number, the BHIM app is offering a cashback of Rs 25 however the cap on this has been set to Rs 500 per month.