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Credit cards have long been a financial mainstay since their introduction in India by the Central Bank of India in 1980, followed by Andhra Bank's launch of a VISA-branded card in 1981. However, with the meteoric rise of UPI (Unified Payments Interface) apps, credit cards have seen a shift in consumer preference, especially among younger users.

Credit Cards vs. UPI: The Current Landscape

While credit card payments across platforms rose by 12% in the past year, UPI payments surged by a staggering 37%, reaching ₹2.34 lakh crore in October 2024.

The appeal of UPI lies in its convenience and acceptance across small vendors, movie theaters, and malls. However, UPI typically requires funds in your bank account, unlike credit cards that allow deferred payments with a 45-day interest-free credit period.

But what if you could merge the benefits of both? With RuPay credit cards linked to UPI, you can now enjoy seamless UPI payments along with a credit line.

What Are RuPay Credit Cards on UPI?

RuPay credit cards linked to UPI provide a unified digital experience. They allow users to make UPI payments while benefiting from the credit period offered by credit cards. This feature combines the ease of UPI with the financial flexibility of a credit card.

How to Link Your RuPay Credit Card to UPI

Follow these simple steps to link your RuPay credit card to UPI through the BHIM app:

1. Open the BHIM UPI App: Launch the app and enter your passcode.
2. Select Your Bank Account: Navigate to the bank account section.
3. Choose the Credit Card Option: Select the credit card option and your card issuer bank.
4. Select Your Credit Card: Pick the credit card you want to link.
5. View and Select Accounts: Click on “View Accounts” and choose the appropriate option.
6. Set a UPI PIN: Create a UPI PIN for your credit card.

How to Use a RuPay Credit Card with UPI

Once your credit card is linked, follow these steps for payments:

1. Scan the Merchant’s UPI QR Code: Initiate the transaction by scanning the QR code.
2. Enter the Amount: Manually input the amount or proceed with the auto-fetched amount.
3. Select the Credit Card Option: Choose your RuPay credit account for the transaction.
4. Enter UPI PIN: Confirm the payment by entering your UPI PIN.

Benefits of Linking Credit Cards to UPI

This integration offers the best of both worlds:

• The widespread acceptance and convenience of UPI.
• The financial flexibility and credit line of a RuPay credit card.

This hybrid approach not only simplifies payments but also empowers users to optimize their spending.

Start linking your RuPay credit card to UPI today and unlock a seamless and efficient payment experience!