How To Use RuPay Credit Card For UPI Transactions

New Delhi: The RBI and NPCI have enabled RuPay credit cards for UPI payments. By linking RuPay credit cards to UPI, customers gain increased flexibility and options for making payments at various merchant outlets. RuPay credit cards, issued by banks and linked to the UPI facility, provide benefits across different categories such as travel, shopping, and fuel purchases.

Integrating Unified Payments Interface (UPI) with credit cards combines the convenience of digital payments with the flexibility of credit lines, resulting in a seamless and adaptable payment experience.

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By linking UPI with credit cards, the payment process becomes simplified, allowing users to conduct transactions through a unified platform. This integration centralizes financial transactions, making it easier for users to track and manage expenses. Through a single interface, users can monitor spending patterns, review transaction histories, and set spending limits.

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Advantages of Linking Credit Cards to UPI:

Enhanced Payment Efficiency: Integrating your credit card with UPI streamlines payment procedures, enabling smooth transactions.

Improved Convenience: Users benefit from the convenience of making payments through a unified platform, merging the functionalities of credit cards and UPI.

Heightened Flexibility: The connection between credit cards and UPI provides users with increased flexibility in selecting payment methods and managing their financial affairs.

Expanded Accessibility: By incorporating UPI, credit cardholders gain access to a broader spectrum of merchants and service providers, broadening their payment avenues.

Simplified Expense Tracking: By consolidating credit card transactions via UPI, monitoring and managing expenses becomes simpler, facilitating better financial oversight.

Reinforced Security: UPI’s advanced security protocols bolster the safety of credit card transactions, ensuring a protected payment environment for users.

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How To Link RuPay Credit Card On UPI?

Here are the steps to link a credit card with the BHIM app:

Step 1: Download the BHIM app from the Google Play Store.

Step 2: Complete the registration process.

Step 3: Choose “Credit Card” as the option for linking a payment method.

Step 4: Select your issuing bank from the dropdown menu.

Step 5: Based on the mobile number registered with your issuing bank, masked credit cards will be displayed on the screen.

Step 6: Select the desired card you wish to link and confirm your selection.

Step 7: Proceed to generate a UPI PIN to finalize the linking process

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