Even if we have forgotten our purses at home, we do not have to worry because we can easily make online payments. After online payment, the tension of carrying cash has ended in a way. Now we can do UPI even for goods worth Rs 5 from the grocery store.
To promote digital payments in the digital era, many steps are being taken by the government along with RBI. Earlier, we needed to link our bank account for UPI payment.
Now we can easily make UPI payments through credit cards also. This means that now even if there is no money in the bank account, we can still make UPI payments with the help of a credit card.
UPI payment can be made through credit card, many users are not aware of this. Let us tell you that the Reserve Bank of India (RBI) was permitted to link RuPay cards to UPI only last year.
This means that users who have a RuPay credit card can make UPI payments (RuPay credit card UPI Transaction).
Many banks like HDFC Bank, Kotak Mahindra Bank, Yes Bank, and Federal Bank have launched Virtual Rupay Credit Card. This is a type of credit card. Making UPI payments through this card has also become very easy.
Visa and MasterCard users can do UPI
In such a situation, now the question is whether Visa and MasterCard users can also make UPI payments or not. The answer is 'yes'. If you have a Visa or MasterCard, you will first need to find out whether your bank offers a Virtual RuPay Credit Card.
If the bank is providing this facility to its customers then the customers can easily do UPI through Virtual RuPay Credit Card. Let us tell you that a Virtual RuPay Credit Card is a kind of additional card.
You can link Virtual RuPay Credit Card to UPI-based apps like GooglePay, Paytm, PhonePe and make payments.
Apart from this, e-com payment can also be done through a Virtual Rupay Credit Card. Let us tell you that just as there is a limit in Visa MasterCard, similarly there is a limit in Rupay Credit Card also.
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