What Are the Benefits of Linking RuPay Credit Card to UPI?

  • Published on: 20 Jun 2024
What Are the Benefits of Linking RuPay Credit Card to UPI?

Using a RuPay credit card on a UPI app is a straightforward method of making online card payments. Most credit cards are useful for making an online purchase or swiping your card at the store. 

These methods are useful, but with the invention of QR-based payment, these are no longer the most convenient option. To overcome this payment restriction, the Unified Payments Interface or UPI allows you to link your RuPay credit card to any payment app. 

Benefits of Using RuPay Credit Cards on UPI

Here are all the benefits of a RuPay credit card that you can enjoy by linking it with a UPI payment app. 

Convenient Payment Option 

The best feature of linking UPI and your RuPay credit card is the added convenience of making payments via a single app. Instead of switching between different apps for your different cards, you can link all your bank accounts and credit cards on a single app. 

This way, when you need to borrow funds, you can easily switch to your RuPay credit card and make payment. In addition, you can earn reward points and other offers on your credit card. This makes your overall payment experience streamlined and rewarding. 

Also Read: How to Redeem Credit Card Points

Better Security Measures

Linking UPI with a RuPay Credit Card improves the security of your card with additional layers of protection. This is because making a UPI payment requires entering a PIN to unlock the app and another to confirm the payment. 

This minimises the risk of unauthorised payments, keeping your credit card more secure. If your payment fails despite a fund deduction, you can use the UPI reference number to claim a refund, similar to regular transactions.

Also Read: How to Create UPI ID?

Real-Time Updates

UPI payments are a well-known method to make instant funds transfers, be it to a merchant or a personal account. This is why it’s a preferred option when making time-sensitive payments/fund transfers. 

Easy Bill Payment

UPI apps have a unique feature that alerts you on your upcoming bill payments. Linking your RuPay card with such apps makes it easy to stay up to date and avoid penalties for delayed or missed payments. 

Also Read: Top UPI Payment Apps in India

Simplified Transaction Tracking

Knowing how to use a RuPay credit card for UPI helps you streamline all your payments as they help you record all your transactions. This helps monitor your spending pattern and keep track of your expenses. You can also use this to verify your transaction history on your credit card statement and check for unauthorized payments of multiple deductions.

Enhanced Payment Acceptance

With this option, you don’t need to present your physical card to make a payment. Since UPI is a widely accepted method of payment, you can easily pay with your RuPay Credit Card by simply scanning the QR code. 

Apply for Cash Loan

Steps to Link RuPay Credit Card to UPI

An important part of knowing how to use a Rupay credit card on UPI is to know how to link it with your payment app. Here is a step-by-step process on how to do it:

  • Step 1: Download and launch the payment app
  • Step 2: Create an account with the required personal details 
  • Step 3: Go to the ‘Profile’ section 
  • Step 4: Select the ‘Payment’ or ‘Account’ option 
  • Step 5: Click on the ‘Add Account’ option and then on ‘Credit Card’
  • Step 6: Select your issuer and confirm your card details 
  • Step 7: Go to the accounts section and select your RuPay credit card 
  • Step 8: Set UPI PIN for secure payments 

Once done, you can choose your credit card as the payment option while transferring funds through the app. If you are looking to get a UPI-enabled RuPay Credit Card, consider opting for the Fibe Axis Bank Credit Card.

As India’s first numberless metal credit card, it gives you high security and reduces the risk of misuse of your card details. It is also a great card for savings, as you can enjoy up to 3% cashback on all your online and offline transactions. Download the Fibe App from the Google Play Store or Apple App Store to apply now!

FAQs on Ways to Link a RuPay Credit Card to UPI

What is the reason behind linking UPI with credit cards?

With the rising popularity of UPI, most shops and online merchants rely on QR-based payments. Linking RuPay credit card to UPI allows you to redirect your credit limit for making online payments for daily transactions. 

What is the MDR of RuPay credit card on UPI?

UPI-linked RuPay credit card transactions have an MDR of 2%. The credit card issuer collects 1.5% of the amount, and the rest goes to the payment network and merchant issuer. 

How to pay using a RuPay credit card in Gpay?

To make a Google Pay payment via UPI with a RuPay credit card, you need to add the card as your payment option. After scanning the QR code, you will get the option to choose your card on a bank account. Choose the RuPay card and enter the UPI PIN to complete the transaction. 

How to add a RuPay credit card to UPI PhonePe?

Launch the app and go to your profile to add a RuPay credit card on PhonePe. Under the ‘Payment Method’ section, select the ‘RuPay Credit on UPI’ option. 


Our top picks

Can Millennial Stress be Resolved by Financial Wellness?
Finance | 3 mins read
How Organisations Can Measure the Impact of Financial Wellness Programs
Finance | 3 mins read
How Can HR help Overcome Staffing Challenges in the Digital Age?
Corporate | 3 mins read
5 Signs of A Good HR Function
Corporate | 3 mins read