Unified Payments Interface (UPI) has transformed the digital payment landscape in India, making it seamless to transact using smartphones. Now, with UPI on credit cards, you can enjoy the security and instant convenience of UPI while using your credit card for payments. In this comprehensive 2025 guide, we’ll unpack what UPI on credit cards really means, who can use it, how to link your card to UPI apps, and answer key questions that every cardholder should know.
What Is UPI on Credit Cards?
Traditionally, UPI allowed customers to link their savings or current bank accounts. However, the Reserve Bank of India (RBI) has now permitted select RuPay credit cards to be connected to UPI apps. This means you can scan QR codes or pay online through UPI and the amount gets debited from your credit card, not your bank account.
Major banks are now issuing RuPay credit cards compatible with UPI, letting users:
- Pay retailers or online merchants with QR codes
- Enjoy interest-free credit periods on UPI spends (as per usual credit card terms)
- Earn reward points and cashback on eligible UPI transactions
- Track credit card spending easily within UPI apps
Why Link Your Credit Card to UPI?
Credit cards offer benefits like reward points, cashbacks, and statement cycles. UPI, on the other hand, delivers instant payments and acceptance at millions of locations. Merging the two brings you:
- Wider Merchant Acceptance: Pay at small businesses that only have UPI QR codes.
- Cashflow Flexibility: Buy now, pay later on all your everyday purchases—even at your local grocery store.
- Extra Rewards: Double-dip on credit card benefits, including bonuses on eligible UPI transactions.
- Secure Transactions: UPI PIN and app-based authentication lower the risk of card misuse.
Who Can Use UPI on Credit Cards?
- Card Networks Supported: Currently, only RuPay credit cards are permitted for UPI linking.
- Issuing Banks: Major banks including SBI, HDFC Bank, ICICI Bank, Axis Bank, and Federal Bank now issue UPI-enabled RuPay credit cards.
- Other card networks (Visa, Mastercard, Amex) are not yet supported, as per RBI directions (see RBI website for updates).
Step-by-Step: How to Link Your RuPay Credit Card to UPI in 2025
- Install/Update a Supported UPI App: Use any major UPI app like Google Pay, PhonePe, Paytm, or BHIM that supports RuPay credit cards.
- Go to the UPI App’s “Bank Account” Section: Choose the option to add an account.
- Select Your Bank & RuPay Credit Card: The app detects eligible RuPay credit cards under your registered mobile number.
- Complete OTP Verification: Authenticate using the OTP sent to your mobile.
- Set UPI PIN: Create your new UPI PIN for the credit card (do not share this).
- Get Ready to Use: Your RuPay credit card is now linked. You can start making UPI payments from your credit limit.
Pro Tip:
Not sure which cards are best for UPI? You can quickly compare and find the right match using the Find My Card tool on FinWitty.
Where Can You Use UPI on Credit Cards?
- All UPI interoperable QR codes (BHIM, Bharat QR, etc.)
- In-app merchant payments (as enabled by your UPI app)
- Online checkouts supporting UPI pay via QR or VPA
However, you cannot use UPI for peer-to-peer (P2P) transfers from a credit card—these are still restricted to bank accounts, not cards.
Popular RuPay Credit Cards With UPI Support
- Federal Signet RuPay Credit Card – Simple rewards with wide merchant acceptance.
- Kiwi RuPay Credit Card – Earn 2% rewards on every UPI payment.
- ICICI Coral RuPay Credit Card – Rewards and lounge access benefits.
- Jupiter RuPay Card – Special focus on cashback via UPI.
- Yes Bank Prosperity Edge RuPay Card – Strong rewards program with UPI enablement.
Pros and Cons: UPI on Credit Card
| Pros | Cons |
|---|---|
|
|
Security and Responsible Use Tips
- Always use secure UPI apps downloaded from the official app stores.
- Never share your OTP or UPI PIN with anyone.
- Track spending; UPI ease can sometimes lead to overspending on the credit card.
- Pay your bill in full to avoid high-interest charges.
- Report suspicious activity to your bank and block the card if needed.
FAQ – UPI on Credit Cards for 2025
Can any credit card be linked to UPI?
No, as of 2025, only RuPay credit cards are eligible to be linked with UPI apps. Other cards such as Visa and Mastercard are not yet supported.
Are there extra charges for making UPI payments using a credit card?
UPI payments via credit card are generally treated like a normal purchase. Some credit card issuers may put limits or charge fees in the future, so check with your bank. There are no extra UPI fees levied by the government.
Do UPI credit card payments earn reward points and cashback?
Yes, most banks will provide reward points and cashback for eligible UPI transactions. However, some specific merchant categories may be excluded. Review your card’s terms or read reviews on FinWitty’s blog for the latest details.
Can I use my credit card on UPI for money transfers to other people?
No, P2P transfers using credit card via UPI are not permitted. You can only use credit cards for merchant payments via UPI.
What if my RuPay credit card is not showing up on the UPI app?
Ensure your bank has enabled UPI support for your credit card. Sometimes it may take a few days after card issuance. If you still face an issue, contact your bank’s customer service or visit FinWitty’s contact page for further help.
Where to Go From Here?
UPI on credit cards brings Indian payments a step closer to universal digital access and rewards. Remember to explore cards that support UPI and deliver the best cashback, rewards, and instant approval. You can compare credit cards quickly on FinWitty and find a fit for your lifestyle. Stay tuned to FinWitty’s blog for the latest news and guides on credit cards.