Step-by-Step Guide on RuPay Credit Card on UPI Linking
Till up to 28th March We are Unable to Make any UPI Payment Using Our Existing RuPay Credit Card. On 29th March 2023, the adoption of digital payments in India has grown exponentially. The Unified Payments Interface (UPI) has played a significant role in this growth by enabling fast and secure peer-to-peer transactions. Now, with the launch of the RuPay Credit Card on UPI, users can enjoy even more benefits and convenience. In this article, we will discuss the features and benefits of the RuPay Credit Card on UPI, the available banks, upcoming availability, how to link your card to UPI, and current offers.
What is UPI?
UPI, or Unified Payments Interface, is a real-time payment system in India that allows users to transfer money between bank accounts using a mobile phone. It was launched by the National Payments Corporation of India (NPCI) in 2016 and has become one of the most popular payment systems in the country.
RuPay Credit Card on UPI
Before the introduction of the RuPay credit card on UPI, we could not make UPI payments through our existing credit card. Our credit card can only be used for bill payments and limited cash payments. But with the introduction of the RuPay credit card on UPI, we can now easily make various merchant payments on UPI. This new feature has opened up possibilities for us, making our banking experience smooth and effortless. Now we can pay our daily expenses like groceries, fuel, and online shopping with a UPI-linked RuPay credit card without carrying cash or worrying about transaction limits. This has greatly improved the convenience and flexibility of making payments.
Skip the long queues and embrace the on-the-go lifestyle with #RuPay. From shopping sprees to movie dates, your RuPay Card is designed to make payments effortless. Now link your RuPay Credit Card to UPI to enjoy the benefits like never before ? #BeOnTheGo #RuPayCreditCardOnUPI pic.twitter.com/ECXSd1WcmY— RuPay (@RuPay_npci) March 27, 2023
Rupay Credit Card UPI Overview
|Post||Rupay Credit Card on UPI|
|Accepted by Merchants||BharatPe, GooglePay, PhonePe, Paytm, PayU, and RazorPay|
|Available Banks||Bank of Baroda, Canara Bank, HDFC Bank, Indian Bank, Punjab National Bank, Union Bank. Other Rupay credit cards are expected to start working soon.|
|Security||Multi-factor authentication for each transaction|
|Cashback Offers||Available from various banks and payment apps|
Benefits of UPI Payment:
- Instant Money Transfer: UPI offers real-time money transfer, which means the money is transferred immediately to the recipient’s bank account.
- Safe and Secure: UPI transactions are secured with multi-factor authentication and PIN protection, making it one of the safest modes of online payment.
- No Need for Bank Account Details: With UPI, you only need to know the recipient’s UPI ID, which can be a mobile number or a virtual payment address. There’s no need to enter bank account details like account number, IFSC code, etc.
- Works 24/7: UPI transactions can be done 24/7, including weekends and holidays, making it a convenient payment option for users.
- Easy to Use: UPI is user-friendly and easy to use, with a simple and intuitive interface that allows users to transfer money with just a few clicks.
Rupay Credit Card UPI Benefits
The RuPay Credit Card on UPI offers benefits to its users, including:
Faster transactions: With RuPay Credit Card on UPI, users can make quick and seamless transactions without the need to enter card details every time.
Widely accepted: RuPay Credit Card on UPI is accepted by all UPI-enabled merchants, making it convenient for users to make payments across various platforms.
Enhanced security: The card offers multi-factor authentication for each transaction, making it more secure and less prone to fraud.
Cashback offers: Various banks and payment apps are offering attractive cashback offers to encourage users to link their RuPay credit cards to UPI and make transactions.
No Need to Carry Credit Card: By linking your RuPay credit card to UPI, you can enjoy the convenience of making payments without carrying cash or even a physical credit card.
Want To Get a Credit Card?
RuPay credit card on UPI Available Banks
Currently, the following banks offer RuPay Credit Card UPI:
- Bank of Baroda RuPay Credit Card
- Canara Bank RuPay Credit Card
- HDFC Bank RuPay Credit Card
- Indian Bank RuPay Credit Card
- Punjab National Bank RuPay Credit Card
- Union Bank RuPay Credit Card
Upcoming Others Bank Availability
Other RuPay credit cards are expected to be available for UPI payments on the BHIM UPI app by the end of April. If you do not have a RuPay Credit Card from one of the currently available banks, you can apply for a card online to get the benefits.
Linking your RuPay Credit Card to UPI is a simple process that can be done in a few steps:
- Open the UPI app of your choice
- Go to the ‘add card’ section
- Select the ‘Rupay credit Card’ option
- Enter your Rupay credit card details, including the card number, expiry date, and CVV code
- Enter the OTP received on your registered mobile number
- Set a 4 or 6-digit UPI PIN for your Rupay credit card
- Congratulations! You have successfully linked your Rupay credit card to UPI.
Rupay Credit Card on UPI Problems
When you link your RuPay credit card with UPI, you may encounter errors as the feature is not fully rolled out in all banks. Some of the common problems faced by users include incorrect details given while adding a credit card, network issues, and technical glitches in the UPI application. In case of issues, it is recommended to contact your bank’s customer support or UPI app to resolve the issue. It is important to ensure that all information entered is accurate to avoid possible errors in the process.
Offers on Rupay Credit Card on UPI
To encourage users to link their RuPay credit cards to UPI and make transactions, various banks, and payment apps are offering attractive cashback offers. For example, MobiKwik is offering 100% cash back on the first UPI transaction made from a UPI-linked RuPay credit card on April 1st and 2nd.
RuPay Credit Card UPI is a game changer in India’s digital payments space. With enhanced security, faster transactions, and a widely recognized platform, users can enjoy a seamless and convenient banking experience. With the introduction of Rupay credit cards on UPI, customers can now enjoy a seamless banking experience. NPCI’s partnership with leading payment apps has made credit transactions more accessible and convenient on the UPI platform. Linking your Rupay credit card with UPI has huge benefits including instant payments, exciting offers and cashback, and a hassle-free banking experience. So link your Rupay credit card with UPI today and enjoy your UPI payments.
What is Rupay credit card on UPI?
Rupay credit card UPI is a partnership between NPCI and leading payment apps like BharatPe, GooglePay, PhonePe, Paytm, PineLabs, PayU, and RazorPay, to support credit transactions on the UPI platform.
Linking your Rupay credit card to UPI is a simple and hassle-free process. You can open the UPI app of your choice, go to the ‘add card’ section, select the ‘Rupay credit card’ option, enter your Rupay credit card details, including the card number, expiry date, and CVV code, enter the OTP received on your registered mobile number, set a 4 or 6-digit UPI PIN. That Set.
The benefits of using RuPay Credit Card on UPI include seamless transactions, no need to carry a physical credit card, availability of various offers, and secure transactions.
Which banks offer Rupay credit card on UPI?
Some of the banks that offer Rupay credit cards on UPI are Bank of Baroda, Canara Bank, HDFC Bank, Indian Bank, Punjab National Bank, and Union Bank.
Yes, it is safe to link your RuPay credit card with UPI. The BHIM UPI app uses multi-factor authentication and encryption to ensure secure transactions.
Can I use my RuPay Credit Card on UPI for international transactions?
No, currently, RuPay Credit Card on UPI can only be used for domestic transactions within India.