Using Credit Cards for UPI Payments: Everything You Need to Know

With the rise of digital payment systems in India, UPI has become a game-changer. It offers fast, seamless, and secure transactions. Here’s a detailed guide on how you can use your credit cards for UPI payments and key points that you must keep in mind.

This feature blends the convenience of UPI with the perks of a credit card. It simplifies financial management while offering rewards and cashback. UPI payments with a credit card simply allows you to make payments using your smartphone, so you don’t have to carry your card with you. 

Using Credit Cards for UPI Payments: Everything You Need to Know 

UPI apps such as Google Pay, PhonePe, and Paytm give you the facility to add a credit card to the app. After adding your credit card to these apps, you can make payments instantly. The process to add your credit card to UPI is very simple; the steps are provided below:

1. Open UPI App

• Open any UPI app like Google Pay, PhonePe, or Paytm and log in using your mobile number or email ID

2. Navigate to ‘Payment Options’

• Go to the ‘Payment Methods’ or ‘Payment Options’, usually found in settings or the dashboard. 

3. Select ‘Credit Card Option’

• Under ‘Payment Methods’, choose the ‘Credit Card’ option to add your card details. 

4. Enter Credit Card Information

• Fill in the required information, including your card number, expiration date, CVV, and cardholder’s name. 

5. Verify Your Card

• The app will verify your credit card information. You’ll likely need to confirm via an OTP sent to your mobile or email. 

6. Set up a Payment PIN 

• After verification, you will be required to set a four or six-digit PIN that you will need for all future transactions. 

7. Add Money to Wallet (Optional)

• You may be required to add money to your wallet through UPI, debit card, or online banking to complete the setup. 

Benefits of Linking Your Credit Card to UPI

When you link your credit card to UPI, you get several benefits. It simplifies payments and gives you control over transactions, with real-time notifications to help manage finances and protect against fraud. Some of the other benefits are: 

Convenient Payment Option

Since you can simply scan and pay, you do not have to carry your physical card with you, which reduces the chances of frauds like skimming and shimming. 

Secure Transactions

UPI ensures secure transactions, protecting your card details from unauthorised access. 

Easy Tracking

Track your spending and transactions easily with real-time updates on the UPI app. 

Simplified Payments

No need to enter card details every time; use UPI for seamless payments. 

Access to Credit Limit

Make payments using your available credit limit, offering more flexibility in managing expenses. 

Instant Notifications

Get instant alerts for every payment, helping you stay on top of your spending. 

Hassle-Free Integration

Linking your credit cards to UPI is a quick and easy process, making it simple to get started. 

How You Can Use Your Credit Cards for UPI Payments 

After integration, you can conveniently start making payments using your credit cards:  

1. Create a UPI ID Linked to Your Credit Card

Generate a unique UPI ID linked to your credit card by choosing it as your payment method. After this ID is set up, you can start making transactions using your available credit limit.

2. Initiate a Credit Card UPI Payment

In order to make a payment, select the ‘UPI Payment’ option on your app. Enter the recipient’s UPI ID and the payment amount. Confirm the transaction by selecting your linked credit card and authorising the payment with your UPI PIN. 

Factors that Make UPI Payments Easier When Using Credit Cards

Here are some factors that help you make your transactions easier using credit credits:

• Monitor Your Usage
  Regularly check your credit card statements to track expenses and spot unauthorised transactions. 
• Set Transaction Limits:
  Limit the amount you can transfer through UPI for added security against unauthorised access. 
• Secure Your Device:
  Use strong passwords or biometrics, avoid sharing your device, and only download apps from official stores. 

Linking your credit card to UPI offers enhanced convenience and flexibility for digital payments. Whether you’re using PhonePe, Google Pay, or Paytm, the process is simple, and the benefits are significant. Enjoy instant transfers, secure transactions, and easy access to your credit limit whenever needed. 

For more convenience, consider the One Credit Card, which offers seamless integration with UPI apps and rewards you with 5X points on your top two spending categories each month. Apply now for the stylish metallic card today and experience unparalleled control over your credit card finances!