CardKhoj.in

    આ પેજ હાલમાં અંગ્રેજીમાં ઉપલબ્ધ છે.

    Credit Cards

    Can I link my credit card to UPI?

    Updated · CardKhoj Editorial Team

    Short answer

    Yes, but only RuPay credit cards can be linked to UPI in India. Add the card in apps like Google Pay, PhonePe, Paytm or BHIM, set a UPI PIN, and you can pay any merchant QR code from your credit limit. Sending money to friends (person-to-person) from a credit card is not allowed.

    1. Open your UPI app and choose “Add RuPay credit card”.
    2. Select your bank and the card linked to your registered mobile number.
    3. Enter the last six digits and expiry date, then set a UPI PIN with the OTP.

    What you can and cannot do

    • ✅ Pay at shops and online merchants by scanning a QR code.
    • ✅ Earn rewards (some cards give lower rates on UPI spends).
    • ❌ Send money to individuals (P2P transfers).
    • ❌ Withdraw cash.

    Does it cost anything?

    There is no charge to you. Merchants pay the processing fee on larger transactions. Your purchases get the same interest-free period as any card swipe, so pay the full bill by the due date.

    If your current card is Visa or Mastercard, ask your bank whether a RuPay variant is available — many popular cards now come in a RuPay version.

    This answer is general information, not personalised financial or tax advice. Rules, rates and limits change — confirm with your bank, the RBI or a qualified adviser before making decisions.