Unlock the Power of RuPay Credit Card to UPI Payments | Rewards & Safety
Imagine having a special credit card that you can use to make purchases at a variety of locations. It just got cooler! In India, the RuPay credit card is working with a platform called UPI. It’s as if they joined forces to simplify and secure the payment of goods.
Now that your RuPay credit card and UPI are connected, you can perform many easy things. Are you doing internet-based shopping? Making payments at stores? Money transfer to friends? Yes, you are able to do everything in one evening! Thanks to RuPay Credit Card to UPI Payments, which have simplified the process of making purchases, you may now use your card for all of these purposes with ease.
What is Rupay Credit Card UPI Payment?
RuPay Credit Card With the use of UPI Payment, a new function, you may pay with your RuPay credit card using UPI apps. It follows that you may now send money to other UPI users and pay for goods and services both online and offline with your credit card.
Which types of Payments Can I make using Rupay Credit Card UPI Payment?
You can use it to make payments in the following ways:
Scanning QR Codes: Think of it like taking a picture. Use your phone’s camera to scan the code at the store. Then enter the amount you want to pay and tap to confirm.
Virtual Payment Address (VPA): If there’s no QR code, type in the shop’s special ID (VPA) into your payment app. It’s like using their unique code to send your payment.
Online Purchases: When shopping online, choose UPI as your payment method. Enter your UPI ID (like your payment name) and password. It’s a way to pay without directly using your card.
How To Add Rupay Credit Card To UPI?
To link your RuPay credit card to UPI, you will need to:
- Open your UPI app (such as BHIM, PhonePe, Paytm, Google Pay, Slice, MobiKwik, or PayZapp).
- Go to the “Add Credit Card” option.
- Select your RuPay credit card issuer bank.
- Enter your credit card details and set a UPI PIN.
Rupay Credit Card To UPI Limit
NPCI Limit: There’s an overall daily limit set by NPCI for all UPI transactions, including those with RuPay credit cards. It’s currently ₹2 lakh per day.
Issuer Limit: Your bank, which issues your RuPay credit card, might set a lower limit for UPI transactions. This limit is usually less than the NPCI’s to safeguard against fraud.
Customer Limit: Customers have the power to set their own limit for UPI transactions using their RuPay credit card. However, this limit needs to be within the bounds set by NPCI and your bank.
Rupay Credit Card To UPI Charges
| Type of Charge | Description | RuPay Credit Card UPI Payment |
|---|---|---|
| Transaction Charges | Merchant transactions | No charges |
| P2P transactions | No charges | |
| Interest Charges | Interest on outstanding balance | As per credit card interest rate |
| Late Payment Charges | Fee for not paying the bill in full by due date | Percentage of outstanding balance |
| Other Charges | Foreign transaction fees | Check with the Card issuer |
| Cash advance fees | Check with Card issuer |
Best Rupay Credit Card For UPI
Here are the 10 best RuPay Credit Card for UPI in India for 2023:
| Card Name | Joining Fee | Annual Fee | Credit Limit | Interest Rate | Reward Points | Features |
|---|---|---|---|---|---|---|
| HDFC Bank RuPay Select Credit Card | ₹1,999 | ₹999 | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 5 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| PNB RuPay Select Credit Card | ₹499 | ₹499 | ₹50,000 – ₹7 Lakh | 3.99% – 4.99% | 10 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| SBI RuPay Select Credit Card | ₹1,499 | ₹999 | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 15 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| ICICI Bank RuPay Select Credit Card | ₹999 | ₹499 | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 20 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| Axis Bank RuPay Select Credit Card | ₹500 | ₹250 | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 25 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| Kotak Bank RuPay Select Credit Card | ₹499 | ₹299 | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 30 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| Bank of Baroda RuPay Select Credit Card | ₹499 | ₹299 | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 35 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| Union Bank of India RuPay Select Credit Card | ₹499 | ₹299 | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 40 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| IDFC First Bank RuPay Select Credit Card | ₹1,999 | ₹999 | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 45 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
| Federal Bank RuPay Select Credit Card | ₹499 | ₹299 | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 50 points per ₹150 on fuel, groceries, dining | Up to 10% cashback on online shopping, 5% on movie tickets, 2.5% on fuel |
Lifetime Free Rupay Credit Card
Here’s a list of lifetime free RuPay credit cards in India for 2023, along with their credit limits, annual charges, and key features:
| Card Name | Joining Fee | Annual Fee | Credit Limit | Interest Rate | Reward Points | Features |
|---|---|---|---|---|---|---|
| ICICI Bank Platinum Chip Credit Card | Nil | Lifetime Free | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 2 points per ₹100 spent (excluding fuel) | 5% cashback on HPCL fuel transactions, 15% off on dining at select restaurants |
| RBL Bank BankBazaar SaveMax Credit Card | Nil | Lifetime Free | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 5 points per ₹100 on dining, online & utility bills | 1% cashback on all spends, up to 20% off on partner brands |
| HDFC Bank RuPay Shoppers Stop Credit Card | Nil | Lifetime Free | ₹50,000 – ₹10 Lakh | 3.99% – 4.99% | 6 First Citizen Points for every ₹150 at Shoppers Stop | Complimentary Shoppers Stop membership, exclusive discounts on Shoppers Stop products |
| IDFC First Bank Power RuPay Select Credit Card | ₹199 | Lifetime Free | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 2.5% cashback on fuel, grocery, and utility spends | Joining bonus, introductory cashback offers |
| Federal Bank RuPay Signet Credit Card | Nil | Lifetime Free | ₹50,000 – ₹5 Lakh | 3.99% – 4.99% | 3x rewards on electronics and apparel, 2x rewards on entertainment, 1x reward for other categories | Free Amazon voucher, lowest APR starting from 0.49% per month |
Can I Scan any UPI QR Code to Pay using a RuPay Credit Card?
By scanning any UPI QR code, you can now use your RuPay credit card over the UPI system. First, link your card to the UPI application. Simply launch the app, scan the QR code at the retailer, and input the amount to be paid once it has been linked. You’re done after you use your UPI app to confirm it. It’s a convenient method of using your credit card online, allowing you to make payments with just a phone code scan.
How do I make UPI payments using my RuPay Credit Card?
Make UPI payments using your RuPay Credit Card:
- Open Your UPI App: Launch your UPI app and tap on “Pay.”
- Choose Payment Method: Enter the merchant’s VPA or scan their QR code at checkout.
- Select Your RuPay Credit Card: Pick your RuPay Credit Card as the payment method.
- Enter Payment Amount: Type in the amount you wish to pay and double-check the transaction details.
- Complete Transaction: Finally, input your UPI PIN to finish the payment securely.
Using RuPay Credit Cards For UPI Payments: Good Or Bad?
Good Points:
- Convenience: Pay easily without a physical card.
- Security: UPI adds safety with authentication.
- Rewards: Get points or cashback on transactions.
- Build Credit: Timely payments boost credit history.
Bad Points:
- Debt Risk: Easy spending can lead to overspending.
- Interest Charges: Unpaid balances accrue interest.
- Late Fees: Missing payments add extra costs.
- Credit Score Impact: Late payments harm future finances.
Final Word on RuPay Credit Card to UPI
Link RuPay Credit Card to UPI is a big step in India’s UPI payment method. It’s all about making things easier, safer, and more rewarding. This combination makes purchasing effortless for everyone by offering cool advantages, safety, and convenience. It’s a game-changer, setting the stage for smoother, secure payments that anyone can use with confidence. Get ready for a future where paying is easy and stress-free!
FAQs on RuPay Credit Card to UPI
Can RuPay credit card be used for UPI?
Yes, you can use a RuPay credit card for UPI transactions. RuPay credit cards are now integrated with UPI, allowing you to make payments using your credit card through various UPI apps.
Can I send money to UPI using credit card?
Yes, you can send money to UPI using your RuPay credit card. However, there may be some restrictions or limitations on the amount you can send per transaction or per day. It’s best to check with your card issuer for more information.
How do I link my RuPay credit card to GPay?
To link your RuPay credit card to GPay, follow these steps:
1. Open the GPay app on your phone.
2. Tap your profile picture in the top right corner.
3. Select “Payments & methods.”
4. Tap “Add payment method.”
5. Select “Credit or debit card.”
6. Enter your RuPay credit card details and tap “Save.”
7. Once your card is linked, you can use it to make payments in GPay.
Why doesn’t Google accept RuPay card?
Many payment options, such as gift cards, debit cards, and credit cards, are accepted by Google Pay. However, not all areas or nations where Google Pay is accessible today accept RuPay cards. Google might eventually enable RuPay cards, yet there is currently no set date for this to happen.
Does Google Pay accept RuPay Credit Card?
Yes, Google Pay accepts RuPay credit cards in India. You can link your RuPay credit card to Google Pay and use it to make payments at merchants that accept Google Pay.
