UPI (Unified Payments Interface) is one of the fastest and easiest payment methods in India.
Now, a new feature allows you to link your credit card to UPI and earn rewards, cashback, or air miles on every payment.
This feature is especially useful for RuPay credit cardholders, who can use their cards directly on popular UPI apps like Google Pay, PhonePe, and Paytm.
How to Link Your Credit Card to UPI
You can link your credit card to your UPI ID using your bank’s mobile app or any UPI-enabled app.
Once linked, you can use your credit card to:
Pay bills
Shop online
Send money to friends via UPI
All transactions are processed securely through UPI, and you’ll earn reward points, cashback, or miles depending on your card’s reward program.
Rewards, Security, and Important Notes
Rewards and Security:
Every UPI payment made using your credit card helps you earn points or cashback under your card’s reward system.
UPI ensures safety with PIN or OTP verification, so you never have to share your card number. You can also view all your transactions easily within the app.
Things to Keep in Mind:
Reward policies differ across banks and cards — check your card’s terms to know which transactions qualify.
Some cards give extra rewards for recurring bill payments.
The daily transaction limit for UPI credit cards is ₹1 lakh, and it may be lower for new users.
Always pay your credit card bill on time to avoid interest charges.
The Bottom Line
By linking your credit card to UPI, you can make your daily payments more rewarding and secure.
It’s an easy way to manage expenses, earn benefits, and enjoy a smooth digital payment experience.
