Want To Make UPI Payments Through Credit Cards of Different Banks?

If you want to use your credit cards more conveniently, add them to your chosen UPI app. When you do this, you no longer have to carry your credit card with you all the time. All you have to do is scan the QR code or key in the one-time password sent to your registered mobile number to complete the payment process. The transaction can be done across markets starting from a street shop vendor to big e-commerce giants within a fraction of a second. So, if you have not added your credit card to the chosen UPI app, do so immediately.

How To Link Credit Cards With UPI Payment Apps?

You can link your card through the following steps

Log into your UPI app
Go to the bank accounts section
Now, select a credit card from the ‘Add Account’ section, and then select the issuing bank.
Now, the credit cards of the issuer you have selected will be shown
Choose from this list of cards and confirm
Next, you will have to set up a UPI PIN for the same.
Post this, your card will be added, and you can start using it to make UPI payments.

The above process is general, and it may vary across UPI apps.
Steps To Make UPI Payments Through Credit Cards Of Various Banks

SBI Credit Card UPI Link

Step 1: Go to the 'paynet' channel on SBI Card/Mobile App

Step 2: Enter your SBI credit card number and add the amount required to pay

Step 3: Choose the UPI option

Step 4: Next, you will be redirected to the UPI page and choose the option to ‘Enter your VPA’ or ‘Scan QR code’.

Step 5: Give the VPA handle and scan the QR code using the UPI app.

Step 6: Sanction the payment option.

Step 7: You can see a confirmation message

Step 8: It will be posted on the credit card account after the payment is made.

Axis Bank Credit Card UPI Link

Step 1: Make the UPI payment via the UPI app.

Step 2: Provide the UPI ID for the Axis credit card bill.

Step 3: Authenticate the name and enter the credit card bill amount

Step 4: Finally, complete the transaction using the UPI PIN.

Link HDFC Credit Card to UPI

Step 1: Select the 'BHIM UPI Payment' on the mobile banking app

Step 2: Type in the app password, which is 6 digits

Step 3: Select ‘Send Money’

Step 4: Then, you can choose to pay via the UPI ID of the beneficiary account number and IFSC code

Kotak Credit Card to UPI

Step 1: Select BHIM UPI and tap on the My Kotak section.

Step 2: On the Kotak Bank application, click on the ‘Banking section’

Step 3: Go to the ‘BHIM UPI’ menu and select ‘Send money’

Step 4: Go to the ‘Pay to Account’ or ‘Pay to VPA’

Step 5: To send money to a VPA/UPI ID, choose the VPA option. Then, type beneficiary VPA, the amount, and select ‘Submit ’.

Step 6: Finally, cross-check the details provided.

PNB Credit Card Link UPI

Step 1: Add the bank account to initiate a virtual address and UPI PIN for making a valid transaction.

Step 2: Then, Click on the Pay button

Step 3: To make the payment through a virtual address, enter the virtual address of the beneficiary who is registered with UPI.

Step 4: If the payment is through the IFSC code, furnish the bank account details and proceed to complete the transaction.

Canara Bank Credit Card Link UPI

Step 1: Begin the UPI payment from the UPI app.

Step 2: Then, enter the UPI ID of the Canara Bank credit card bill.

Step 3: Authenticate the name and enter the amount

Step 4: Proceed to complete the transaction with a UPI PIN

IDBI Bank Credit Card Link UPI

Step 1: Choose the UPI app from which you have to make the UPI payment

Step 2: Now, enter the IDBI Bank credit card bill UPI ID

Step 3: Authenticate the name and enter the credit card bill amount.

Step 4: Proceed to complete the transaction with a UPI PIN.

Bank of India Credit Card Link UPI

Step 1: Log in to the UPI app through your credentials

Step 2: Then, select the ‘Transfer Money’ option and choose ‘Send’

Step 3: Then, select ‘A/C IFSC’

Step 4: Tap on ‘Bank of India’

Step 5: Now, enter the beneficiary name and the Bank of India IFSC code

Step 6: Then, enter the ‘Account Number’ and the 16-digit Bank of India credit card number.

Benefits of Making UPI Payments Through Credit Cards

The benefits of making UPI payments through credit cards are immense. You no longer have to make UPI payments using funds from your savings account. Instead, you can avail of the short-term credit facility offered by credit cards and make UPI transactions. Cardholders can scan the QR code, input the recipient’s mobile number, and pay using their credit cards. Also, consumers no longer have to carry their credit cards with them wherever they go, don’t have to swipe or dip them into POS terminals, and authenticate them using OTP. Further, since you don’t have to use your physical card, the dangers of skimming at POS terminals and card loss are prevented.

Some Disadvantages of Making UPI Payments Through Credit Cards

Although by linking credit cards with UPI, cardholders have the ease of use, it could also lead to overspending. It is hard to track repeated big and small UPI transactions that consumers make with their credit cards, which could lead to hefty credit card bills. Heavy interest and penalties will be levied on unpaid credit card bills.

Conclusion

Doing fund transfers from bank to bank has become very convenient with the help of UPI. It has never been this easy. Also, linking credit cards with UPI gives us the benefits of both credit cards and UPI.