How to Pay UPI Using Credit Card in 2024: Step-by-Step Guide

Paying UPI with your credit card made easy! Our step-by-step guide simplifies the process of how to pay UPI using credit card in 2024.

How to Pay UPI Using Credit Card in 2024
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The Unified Payments Interface (UPI) has revolutionized digital payments in India, offering instant, secure, and convenient money transfers. However, until recently, it was primarily linked to debit cards and bank accounts. Now, with the introduction of RuPay credit card integration, users can also leverage the power of UPI for credit card payments. This opens up a new avenue for cashless transactions, but navigating the process can be confusing. This detailed guide aims to demystify UPI payments with credit cards, equipping you with the knowledge and steps to make informed decisions.

Why Use UPI on Credit Card?

While debit cards have been the mainstay for UPI payments, credit cards offer unique advantages:

  1. Convenience: No need to carry cash or debit cards. Simply scan a QR code or enter the recipient’s UPI ID and pay with your credit card linked to the UPI app.
  2. Spend without dipping into savings: Tap into your credit limit for purchases, allowing you to manage your cash flow better.
  3. Earn reward points and cashback: Enjoy the benefits of your credit card’s reward program on every UPI transaction, boosting your rewards haul.
  4. Extend your payment deadline: Get a grace period before the bill is due, providing an extra cushion for managing finances.
  5. Build credit score: Responsible credit card use through UPI can positively impact your credit score.
  6. Enhanced Security: UPI transactions are inherently secure, and credit cards offer additional layers of protection like fraud detection and chargebacks.
UPI on Credit Card
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Is it Possible?

Yes, but with a caveat. Currently, only RuPay credit cards issued by select banks can be linked to UPI apps for payments. This is because the National Payments Corporation of India (NPCI), the governing body of UPI, mandates RuPay cards for credit card-based UPI transactions. However, the good news is that several major banks like HDFC Bank, ICICI Bank, Kotak Mahindra Bank, and Axis Bank offer RuPay credit cards specifically for linking with UPI.


You may also read: What is UPI Lite? Features, Benefits and Everything You Need to Know

Before you start

  • Ensure you have a RuPay credit card: Check with your bank if your credit card is eligible for UPI payments.
  • Download and register on a UPI app: Choose an app that supports credit card payments, like Google Pay or PhonePe.
  • Activate your credit card for online transactions: Contact your bank if online transactions are not enabled on your card.

How to Link Your Credit Card to a UPI App?

The process varies slightly between different UPI apps, but the general steps are as follows:

  1. Open your UPI app: Choose a UPI app that supports credit card linking, like PhonePe, Google Pay, or Paytm.
  2. Go to “Settings” or “Manage Payment Options”: Look for a section dedicated to adding payment methods.
  3. Select “Add Credit Card” or “Link Credit Card”: Choose the option that indicates linking a new payment source.
  4. Choose “RuPay Credit Card” and select your bank: The app should display a list of compatible card types and issuing banks.
  5. Enter your credit card details: This typically involves the last six digits of your card number, expiry date, and CVV.
  6. Set your UPI PIN: Create a unique PIN for authorizing UPI transactions using your credit card.
  7. Verification and Confirmation: The app will verify your details with your bank and confirm the linking process.
How to Link Your Credit Card to a UPI App
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Making Your First UPI Payment with Credit Card

Once your card is linked, using it to pay UPI using credit card is straightforward:

  1. Open the UPI app and choose the payment option: Select “Scan QR Code” or enter the beneficiary’s UPI ID.
  2. Enter the payment amount: Specify the amount you want to transfer.
  3. Choose “Credit Card” as the payment method: This option should be available alongside other payment sources like your linked bank accounts.
  4. Select your linked RuPay credit card: Choose the card you linked earlier.
  5. Enter your UPI PIN for authentication: This confirms your authorization for the transaction.
  6. Review and Confirm: Verify the details and confirm the payment.

Drawbacks to Consider

  • Limited Availability: Only RuPay credit cards are currently supported, and not all UPI apps offer credit card linking yet.
  • Interest Charges: Unlike debit card UPI transactions, credit card payments incur interest charges if not paid before the due date.
  • Potential for Overspending: Easy access to credit can lead to overspending if not managed responsibly.
  • Transaction Limits: Some banks may impose limits on the amount you can spend through UPI using your credit card.

Important points to remember

  • UPI transactions with credit cards incur a transaction fee. Check with your bank and the UPI app for specific charges.
  • Minimum and maximum transaction limits may apply. These vary depending on your bank and the UPI app.
  • Interest charges apply on unpaid credit card balances. Make sure to pay your credit card bill before the due date to avoid interest.
  • Use your credit card responsibly. Avoid overspending and ensure you can afford to repay the borrowed amount.

The Future of UPI on Credit Card

The RBI is actively exploring regulations to expand UPI access to non-RuPay credit cards. With increasing demand and technological advancements, the horizon looks bright for broader compatibility in the future.

You may also read: Which Payment System is Better: Paytm, PhonePe, Google Pay, Bharat Pay, or Any Other?


Pay UPI using credit card is a promising addition to India’s digital payment ecosystem. While it comes with limitations and requires mindful use, it offers increased convenience, potential rewards, and flexibility for managing your finances. As more banks and UPI apps onboard, this payment method is likely to gain wider adoption, further revolutionizing the way we pay in India.


  • Always choose responsible credit card use and be aware of interest charges.
  • Stick to your budget and avoid overspending.
  • Track your credit card statements regularly to monitor transactions.

With these considerations in mind, you can explore the benefits of paying UPI with your RuPay credit card and enjoy the convenience of a truly cashless experience.


1 thought on “How to Pay UPI Using Credit Card in 2024: Step-by-Step Guide”

  1. smortergiremal

    Great post however I was wanting to know if you could write a litte more on this topic? I’d be very thankful if you could elaborate a little bit further. Kudos!

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