How to Link Credit Card to UPI — RuPay, Visa, Mastercard (Step-by-Step)
7 min read8 March 2026
Financial Disclaimer
Disclaimer: This information is for educational purposes only. Always consult a certified financial advisor before making any financial decision.
Pay with Credit Card via UPI
Since 2022, RBI allows linking credit cards to UPI apps. This means you can use your credit card for UPI payments at shops, online, and for bill payments — earning rewards on every transaction.
Currently Supported
- RuPay Credit Cards: Fully supported on Google Pay, PhonePe, Paytm, BHIM
- Visa/Mastercard: Limited support — currently only on select banks and apps
Step-by-Step: Link Credit Card to UPI
| Step | Google Pay | PhonePe |
|---|---|---|
| 1 | Open app → Payment Methods | Open app → My Money |
| 2 | Add Credit Card | Credit/Debit Cards |
| 3 | Select bank linked to card | Select your bank |
| 4 | Verify via OTP | Verify via OTP |
| 5 | Set UPI PIN (if new) | Set UPI PIN (if new) |
Benefits & Limitations
✅ Benefits:
- Earn reward points on UPI spends
- Pay at any merchant accepting UPI
- Extended credit period on purchases
⚠️ Limitations:
- Some merchants charge MDR on credit UPI
- Not all banks support it yet
- Transaction limits may apply (₹1-2 Lakh)