How to link the RuPay Credit Card with UPI?

India has established itself as a leader in digital payments by adopting innovative technologies to streamline financial transactions. Among these advancements, the Unified Payments Interface (UPI) has transformed payment methods, providing a seamless and secure platform for transferring funds. The best part is that RuPay Credit Cardholders can now easily take advantage of UPI payments by linking their cards to their preferred UPI app. 

According to NPCI, the RuPay network currently accounts for 25-30% of new card issuances, up from 10% just a year ago.
This growing popularity is due to RuPay's focus on affordability, accessibility, and security, making it an appealing option for Indian consumers.

Linking your RuPay Credit Card with UPI is a convenient way to manage your finances and enjoy seamless payments. In this step-by-step guide, we'll walk you through the process of linking your RuPay Credit Card with UPI, ensuring a hassle-free experience.
By linking your RuPay Credit Card with UPI, you can easily make online payments, transfer funds instantly, and keep track of your transactions, all from a single platform.

Benefits of Linking RuPay Credit Card with UPI

Linking your RuPay Credit Card with UPI offers numerous benefits. Here are some key advantages:

1. Convenience: By linking your RuPay Credit Card with UPI, you can consolidate all your financial transactions in one place, making it easier to manage your money. It eliminates the need to navigate through multiple apps or platforms, streamlining the overall user experience.
2. Seamless Payments: With UPI, you can make payments and transfer funds instantly, eliminating the need for cumbersome cash transactions or delays associated with traditional banking methods.
3. Security: UPI is a secure payment system that utilises multiple layers of authentication, like two-factor authentication, biometric verification, and secure PIN entry, ensuring that your transactions are safe from fraudsters.
4. Transaction Tracking: By linking your RuPay Credit Card with UPI, you can keep track of your transactions in real-time, allowing you to monitor your spending and identify any unauthorised activities.
5. Rewards and Offers: Some banks and credit card issuers offer exclusive rewards and offers when you link your RuPay Credit Card with UPI, giving you the chance to earn extra benefits.

Step-by-Step Guide to Linking RuPay Credit Card with UPI

Now that you understand the benefits of linking your RuPay Credit Card with UPI, let's dive into the step-by-step process:

Step 1: Install a UPI-enabled Mobile Banking App

To link your RuPay Credit Card with UPI, you'll need to have a UPI-enabled mobile banking app installed on your smartphone. Visit your app store and search for popular UPI apps like Google Pay, PhonePe, or Paytm. Download and install the app that suits your preferences.

Step 2: Open the UPI App

Once you've installed the UPI app, open it on your smartphone. You'll be greeted with a welcome screen and prompted to create an account or log in if you already have one. Follow the on-screen instructions to set up your UPI account or log in using your credentials.

Step 3: Link your RuPay Credit Card 

After logging in to your UPI app, navigate to the 'Cards' or 'Add Bank Account' section, depending on the app's interface. Here, you'll find an option to add a new card or link your existing RuPay Credit Card. Select the appropriate option and enter your RuPay Credit Card details, including the card number, expiration date, and CVV.

Step 4: Verify your Card

Once you've entered your RuPay Credit Card details, the UPI app will ask you to verify the card ownership. This can be done through various methods, such as entering an OTP sent to your registered mobile number or using the card's PIN. Follow the on-screen instructions to complete the verification process.

Step 5: Set UPI PIN 

After successfully verifying your RuPay Credit Card, you'll be prompted to set a UPI PIN. This PIN will be used to authorise transactions and ensure the security of your UPI account. Create a strong PIN that is easy for you to remember but difficult for others to guess.

Step 6: Linking Complete
Congratulations! You have successfully linked your RuPay Credit Card with UPI. Now, you can start enjoying the benefits of seamless transactions and convenient financial management.

Note: Remember to keep your UPI PIN secure and avoid sharing it with anyone. Additionally, regularly monitor your transactions and report any suspicious activities to your bank or credit card issuer immediately.

List of Best RuPay Credit Cards in India

1. IndianOil Axis Bank Credit Card

The IndianOil Axis Bank Credit Card is a co-branded fuel credit card that offers a variety of benefits to cardholders, including:

• 4% value back on fuel transactions by earning 20 Reward Points per ₹100 spent at any IOCL fuel outlet in India
• 100% cashback up to ₹250 on the first fuel transaction as a welcome bonus 
• Fuel surcharge waiver at all IOCL fuel outlets
• 1% value back on online shopping
• Instant discount on BookMyShow for movie tickets
• 15% discount on restaurants via EazyDiner and more

Fees, Charges, Reward Rate and Eligibility

Joining and Annual Fee	₹500
Foreign Transaction Fee	3.5%
Reward Rate	0.2% to 4%
Eligibility	Resident: Indian Age: 18 to 70 years

2. Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is a good option for those who spend a lot on dining, travel, and lifestyle expenses. It offers a range of benefits, including:

• 5X NeuCoins on spending at Tata Neu partners, including Taj Hotels, Croma, BigBasket, AirAsia India, and more. NeuCoins can be redeemed for discounts, vouchers, and products across the Tata Neu ecosystem.
• 1.5% back as NeuCoins on Non-Tata Brand spends, and any merchant EMI spends
• 1.5% back as NeuCoins on UPI spends capped at 500 NeuCoins per month
• 8 free domestic lounge access per year
• Insurance benefits of up to ₹1 crore
• 1,499 NeuCoins on the first transaction within 30 days of card issuance and much more.

Fees, Charges, Reward Rate and Eligibility

Joining and Annual Fee	₹1,499
Foreign Transaction Fee	2%
Reward Rate	1% to 5%
Eligibility	Age: 21 to 60 years Income required: ₹1 lakh per month

3. HPCL IDFC FIRST Power+ Credit Card

The HPCL IDFC FIRST Power+ Credit Card is a good option for frequent fuel users who spend a lot on groceries and utilities. The generous rewards and fuel savings can help you save much money on your monthly expenses. It offers a range of benefits, including:

• Up to 6.5% savings on your fuel expenses
• 5% savings as rewards on grocery and utility expenses of up to ₹2,000 every month
• 5% savings as rewards on IDFC FIRST FASTag recharge of up to ₹1,000 every month
• 3X Rewards on other retail transactions
• Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000
• Free roadside assistance worth ₹1,399
• 25% off on movie tickets up to ₹100, once every month
• Personal accident cover of ₹2,00,000, lost card liability cover of ₹25,000 and much more

Joining and Annual Fee	₹499
Foreign Transaction Fee	2%
Reward Rate	0.5% to 5%
Eligibility	Age: At least 21 years old Resident: Indian Income required: ₹3 lakh per annum

Click here to learn more about Best RuPay Credit Cards.

Conclusion

Linking your RuPay Credit Card with UPI offers many benefits, including convenience, seamless payments, enhanced security, and transaction tracking. By following the step-by-step guide outlined in this article, you can easily link your RuPay Credit Card with UPI and enjoy a hassle-free financial management experience.

Remember to prioritise security by choosing a trusted UPI app, keeping your smartphone secure, and regularly monitoring your transactions. By doing so, you can safeguard your financial information and minimise the risk of fraud.

So, why wait? Link your RuPay Credit Card with UPI today and experience the convenience and ease of managing your finances in a single platform.

What's New? ⤵

3 New Rupay Credit Card Rules- Here's the gist of it:

1. Easier EMIs: You'll be able to convert past purchases you made with your Rupay credit card into EMIs directly through a linked UPI app. You can also apply for EMIs on future purchases.
2. UPI Bill Pay: You can now pay your Rupay credit card bill directly through your UPI app.
3. Increased Convenience: The update also allows features like credit limit management through UPI.