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How do I use the RuPay credit card for UPI payments?

Recently, I signed up for a RuPay credit card from a leading private-sector bank. I formerly had a couple of credit cards, but I still inked up more out of curiosity and excitement than anything else. UPI is ubiquitous now, and I didn’t want to be left behind in understanding how credit card payments work on UPI. At present, you can not use Visa, Mastercard, or American Express credit cards for UPI payments. Hence, my only option was to sign up for a new RuPay credit card.

You can call it the fear of missing out( FOMO) on this brilliant and indigenously erected piece of fintech, but I must say I’m not dissatisfied with my decision.

Once you link a RuPay credit card with a UPI app, your phone becomes a much more important portmanteau. For example, without this RuPay card, I could use UPI apps similar to GPay and Paytm only for disbenefit deals from my bank account. Still, after linking the RuPay card with these apps, I can also use these apps for credit card deals. I need not present my credit card for physical or offline deals.

UPI Payments from RuPay Credit Cards Where You Can Use and Where You Can’t

  • You can only make UPI payments( from RuPay credit cards) to those merchandisers who accept UPI payments from credit cards.
  • You cannot use your RuPay credit card for peer-to-peer ( P2P) transfers. So, you can’t transfer money to your friends or family using this credit card.
  • You can’t use your RuPay credit card to transfer money to your bank account.
  • P2PM deals are also not permitted. P2PM includes small merchandisers with a yearly inward payment inflow of less than Rs 50,000. This will help numerous small shopkeepers accept UPI payments from RuPay credit cards. Not that they will mind because credit card UPI payments will take a cut from their earnings.

As I understand it, the merchandisers need to subscribe to accept credit card UPI payments. Also, not every trafficker is eligible. Hence, to figure out where credit card UPI payments will be accepted, there’s a fair bit of discovery involved.

You can anticipate that bigger establishments will accept credit card UPI payments. For lower merchandisers, you’ll have to overlook the QR law first, and you’ll know. However, the trafficker accepts credit card UPI payments, or differently, you must pay from your bank account if you find the RuPay credit card in the list of payment options.

How to Make UPI Payments Using a RuPay Credit Card?

1 Merchant Payments after Scanning QR Canons

This is the most accessible part and the biggest value addition due to the credit card-UPI relationship. You don’t have to take out or indeed carry your credit card if you want to pay using your credit card. You can pay in 3 simple ways.

  • overlook the UPI QR law in the UPI app.
  • Select the RuPay credit card from the list of payment options.
  • Enter the UPI leg, and the payment is done. There is no need to enter anything additional( CVV, card expiry dates, or OTP)

Note that this system will work only for trafficker payments. As mentioned above, this won’t work for P2P or P2PM payments. Some small merchandise shopkeepers may also be accepting payments into their savings accounts. Credit card UPI payments won’t work in similar cases either.

Another big benefit of credit card UPI payments is that they reduce the fraud threat for physical deals. With my limited understanding of technology, the chances of fraud( skimming, copying) are lower since you aren’t indeed presenting your credit card for swipe. You’re just surveying the QR from your UPI app. Yes, valve-and-pay provides you with this comfort too, but there’s a cap of Rs 5,000 per sale on valve-and-pay payments. With RuPay credit cards and UPI, you can make much bigger payments.

2 Online Payments

Just like any other credit card, you can use your RuPay credit card to make payments online. Entering credit card details, expiry dates, CVV, and OTP. Or if the card is formerly tokenized and stored in the operation, you simply have to enter CVV and OTP to make the payment.

But we’re talking about UPI payments then. Aren’t we?

So, if you’re keen to make payments using UPI rails, you can select your preferred UPI app at the time of check-out, select the RuPay credit card among the list of payment options, and enter the UPI leg. And that’s it.


You can enter the UPI address of the RuPay credit card at the time of checkout. You’ll get an SMS and an announcement in the UPI app for the UPI collect request. You can authorize the payment by entering the UPI leg.

3 Offline trafficker Payments

Still, you can swipe your credit card or use tap-and-pay for offline payments if you aren’t keen on using UPI for payments.

RuPay Credit Cards and UPI: A Word of Caution

While I sing praises about the convenience of using RuPay credit cards for UPI payments, a credit card is still a credit card and can harm your fiscal well-being, if not used responsibly.

When you don’t have to pay right away, there’s a tendency to spend further. further than you should, or would have if you didn’t have a credit card.

UPI QR canons are now ubiquitous. Way further than credit card swipe machines. Every trafficker, big or small, now displays a UPI QR law. Until now, you could use a credit card only if the trafficker or shopkeeper had a swipe machine. And not all merchandisers had swipe machines, for several reasons. Cost, convenience of cash, and commissions. Still, everyone has UPI QR canons. Hence, while not all merchandisers will accept credit card UPI payments, you’ll still have far fewer occasions to use a credit card. And this can boomerang.

With UPI relationships, you can use Paytm, GPay, or PhonePe to spend money you don’t have. easily, you carry behavioral threats when you use credit cards. While I’ve inked up for the RuPay credit card and consider myself financially responsible, I’ve got this fear too.

You might want to pay with your RuPay credit card to earn price points or cashback. Still, if combining the power of credit and the convenience of UPI makes you spend further, the cost will outweigh the benefits. Hence, don’t rush to sign up for a RuPay credit card just to make UPI payments.

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