11 Step Guide On How To Link Credit Card To UPI



With the rise of digital payments, UPI has become increasingly popular in India. By linking your credit card to UPI, you can enjoy the benefits of both worlds: the ease of card payments and the versatility of UPI.

In this ultimate guide, I will show you how to link credit card to UPI so that you can enjoy convenient and secure transactions. 

Table of Contents

How to link Credit Card to UPI

Using a UPI App:

  • Open UPI App: Download and open the UPI app on your smartphone.
  • Access Settings/Profile: Look for your profile or settings icon usually located at the top or in the menu.
  • Add Payment Method: Find the option to “Add Payment Method” or “Link Bank Account/Cards.”
  • Select Credit Card: Among the available options (bank accounts, wallets, etc.), choose “Credit Card.”
  • Enter Card Details: Input the required details such as the credit card number, expiration date, CVV, and any other information requested.
  • Verification: Some apps might prompt for additional verification. This often involves receiving an OTP (One Time Password) sent to the mobile number or email associated with the credit card. Enter the OTP to proceed.
  • Set UPI PIN: You might be asked to set a new UPI PIN specifically for credit card transactions. Follow the app’s instructions to do so.
  • Confirmation: Once the verification process is completed successfully, your credit card should now be linked to your UPI account.

Using Bank’s UPI:

If your bank provides a specific UPI app or integrates UPI functionality into its existing banking app:

  • Open Bank’s UPI App/Banking App: Download and open the app provided by your bank or access the UPI feature within your bank’s existing app.
  • Navigate to Payment Methods: Look for an option like “Add Payment Method” or “Manage Linked Accounts.”
  • Select Credit Card: Choose the option to add/link a credit card.
  • Input Card Details: Enter the necessary credit card information, as requested.
  • Verification: Complete any required verification steps, such as OTP verification or any other security measure specified by your bank.
  • Set UPI PIN: If prompted, set or enter your UPI PIN specifically for credit card transactions.
  • Confirmation: Upon successful completion of the verification process, your credit card should be linked to your UPI account.

Note : Always ensure that the app you’re using is legitimate and official to avoid potential security risks. If you encounter difficulties or have specific questions regarding your bank’s procedures, contacting their customer support can provide tailored guidance.

Benefits of Linking Credit Card to UPI

Linking your credit card to UPI offers several benefits that make it a convenient and practical choice for making payments.

  • Expands Payment Options : Linking your credit card to UPI expands your payment options, allowing you to use your credit card at a wider range of merchants. Whether you’re shopping online or making purchases at a physical store, having your credit card linked to UPI means you can pay with ease.
  • Streamlines Payments : Linking your credit card to UPI streamlines the payment process. Instead of having to provide your credit card details for each transaction, you can simply authenticate the payment with your UPI credentials. This eliminates the need for repeatedly entering your card information, saving you time and effort.
  • Contactless payments : With UPI, you can use your linked credit card to make payments without physical contact, making it a hygienic and safe option, especially in the current climate. You need to tap your smartphone on a UPI-enabled device, and the payment is done.

Linking Credit Card to UPI -Troubleshooting Tips

While linking your credit card to UPI is a straightforward process, you may encounter some common issues along the way. Here are a few troubleshooting tips to help you overcome them:

  • Incorrect Details: Double-check the information you entered while linking your credit card. Ensure that the card number, expiry date, CVV, and billing address are accurate.
  • Insufficient Funds: Make sure that your credit card has sufficient funds or available credit limit to complete the transaction. If you’re unable to make a payment, check your credit card statement or contact your card issuer for assistance.
  • Technical Glitches: Sometimes, apps may experience technical glitches that can disrupt the linking process. If you encounter any errors or issues, try restarting the app, clearing cache and data, or reinstalling the app.
  • Network Connectivity: Ensure that you have a stable internet connection while linking your credit card to UPI. Poor network connectivity can cause delays or errors during the linking process.

Note : If you’re still unable to link your credit card to UPI or facing any other issues, reach out to the app’s customer support for further assistance. They will be able to guide you through the troubleshooting process and resolve any problems you may encounter.

Linking Credit Card to UPI - Security Tips

Security should always be a top priority when it comes to linking your credit card to UPI. Here are some security considerations you should keep in mind :

  • Choose a Trusted App: Install UPI-enabled apps only from trusted sources such as the official app stores. Avoid downloading apps from unknown websites or third-party sources to minimize the risk of malware or fraud.
  • Enable Two-Factor Authentication: Most UPI-enabled apps offer two-factor authentication options for added security. Enable features such as biometric authentication or UPI PIN verification to ensure that only authorized transactions can be made.
  • Keep your UPI Credentials Secure: Treat your UPI credentials, including your UPI ID and PIN, as confidential information. Avoid sharing them with anyone and refrain from using easily guessable or common PINs.
  • Regularly Monitor your Transactions: Keep an eye on your credit card statements and transaction history. If you notice any suspicious or unauthorized transactions, report them to your credit card issuer and the UPI-enabled app’s customer support immediately.

Note : By following these security considerations and best practices, you can enhance the safety of your linked credit card and enjoy worry-free transactions.

Linking Credit Card to UPI - Best Practices

To make the most out of your linked credit card and UPI, here are some best practices to keep in mind :

  • Monitor your Spending: Keep track of your transactions and regularly review your expenses. This will help you stay within your budget and detect any unauthorized or fraudulent transactions promptly.
  • Update your App Regularly: UPI-enabled apps often release updates to improve security and enhance functionality. Make sure to update your app regularly to benefit from the latest features and security patches.
  • Use Secure Networks: When making UPI payments, use secure and trusted networks. Avoid making transactions over public Wi-Fi networks or unsecured connections that could compromise the security of your linked credit card.
  • Keep your App and Device Secure: Install reputable security software on your smartphone and keep it up to date. Enable screen lock and biometric authentication for your device to prevent unauthorized access.

Note : By following these best practices, you can make the most of your linked credit card and enjoy a seamless and secure payment experience with UPI.

List of Popular UPI -Enabled Apps

Several UPI-enabled apps offer the option to link your credit card for seamless payments. Here are some popular apps that offer such services:

  1. PhonePe: PhonePe is a widely used UPI app that allows you to link your credit card for payments. It offers a user-friendly interface, a wide range of merchants, and additional features like bill payments and money transfers.
  2. Google Pay: Google Pay is another popular UPI app that supports credit card linking. It integrates well with other Google services and offers features like rewards and cashback on transactions.
  3. Paytm: Paytm is a well-established digital payment app that also supports credit card linking. It offers a variety of services, including payment to Paytm wallets, Bills, mobile recharges, and online shopping options.

Note : Always consider the features, user experience, and additional services offered by each app before choosing the one that best suits your needs and preferences.

How to link RuPay Credit Card with UPI?

Your RuPay credit cards could be linked to UPI for transactions through various bank apps or third-party UPI apps that support RuPay. The process might slightly vary depending on the specific bank or UPI app you are using. Please follow the steps as illustrated below:

  1. Open UPI App: Download and open the UPI app provided by your bank or a third-party UPI app that supports RuPay.
  2. Access Profile/Settings: Look for your profile icon or settings option, typically located at the top or in the menu.
  3. Add Payment Method: Find an option like “Add Payment Method,” “Link Bank Account/Cards,” or “Manage Payment Methods.”
  4. Choose “Credit Card”: Among the available options, select “Credit Card” or “Link Debit/Credit Card.”
  5. Select RuPay as Card Type: Some apps might prompt you to choose the card network. Select “RuPay” as your card type.
  6. Enter Card Details: Input the necessary details of your RuPay credit card, such as the card number, expiration date, CVV, and any other information required.
  7. Verification: The app might require additional verification. This often involves receiving an OTP (One Time Password) sent to the mobile number or email associated with the RuPay credit card. Enter the OTP to proceed.
  8. Set UPI PIN: If prompted, set or enter your UPI PIN. This might be a new PIN specifically for UPI transactions using your RuPay credit card.
  9. Confirmation: After the verification process is complete, your RuPay credit card should be successfully linked to your UPI account for transactions.

Note : Always ensure that you’re using a secure and trusted app and follow the app’s instructions carefully while linking your RuPay credit card to UPI for safety reasons. If you encounter any issues or have doubts, contacting your bank’s customer support or the support for the specific UPI app you’re using can provide you with detailed guidance tailored to their services.

How to Link Visa Credit Card to UPI

Linking your Visa credit card to UPI is a convenient way to make contactless payments using your credit line through various UPI apps. Here’s a general guide on how you can link your visa card to UPI apps :

  1. Choose your UPI app: Not all UPI apps currently support linking credit cards. Some popular options that do include Google Pay, PhonePe, Paytm, Amazon Pay, and BHIM. Choose the app you already use or one that appeals to you.
  2. Open the app and access settings: Navigate to the section where you can manage your payment methods. This might be called “Bank accounts and cards,” “Wallet,” or “Settings.”
  3. Add a new payment method: Look for the option to add a new payment method and choose “Credit card.”
  4. Enter your Visa card details: You’ll need to provide your credit card number, expiry date, CVV, and possibly the billing address.
  5. Verify your identity: The app will send an OTP (One Time Password) to your registered mobile number. Enter the OTP to verify your identity and complete the linking process.
  6. Create a UPI PIN (optional): Some apps might require you to set a separate UPI PIN for credit card transactions. This adds an extra layer of security.
  7. Open the UPI app and select the payment option: This could be “Send money,” “Scan QR code,” or “Pay to UPI ID.”
  8. Choose your Visa card as the payment method: Look for the option to select your payment method and choose your Visa card.
  9. Enter the payment details: Depending on the situation, you might need to scan a QR code, enter a UPI ID, or fill in the merchant’s details.
  10. Enter the amount and confirm: Type in the amount you want to pay and review the transaction details.
  11. Enter your UPI PIN: Finally, enter your UPI PIN to authorize the payment.

Note :

  • Not all Visa cards can be linked to UPI. Check with your bank to see if your card is eligible.
  • There might be transaction limits or fees associated with using your credit card for UPI payments. Check with your bank and the UPI app for details.
  • Be cautious when using your credit card for UPI payments. Avoid making impulsive purchases or exceeding your credit limit.

Alternatives to UPI Linked Payments

While linking your credit card to UPI offers numerous benefits, it’s essential to consider alternatives based on your preferences and requirements. Some alternatives to linking your credit card to UPI include:

  • Debit Card Linking: If you prefer using your debit card for payments, most UPI-enabled apps also allow you to link your debit card instead of a credit card. This option offers similar convenience and security.
  • Net Banking: Another alternative is to link your net banking account to UPI. This allows you to make payments directly from your bank account, eliminating the need for a credit or debit card.
  • Mobile Wallets: Mobile wallet apps like Paytm and PhonePe offer their own payment systems separate from UPI. If you prefer using a mobile wallet, these apps provide a range of services and features for convenient payments.

Note : Always Consider your payment preferences, the availability of UPI-enabled merchants, and the features offered by each alternative before making a decision.


In conclusion, always ensure that you’re using a secure and trusted app to link your credit card to UPI. Additionally, keep your credentials and PIN secure to prevent unauthorized transactions.

This linkage provide a convenient way to utilize your credit card for various transactions accepted through UPI, including online purchases, bill payments, and peer-to-peer transfers, broadening the scope of your credit card’s utility. No more fumbling for more cash or waiting for change. Not only will you have access to a wider range of merchants, but you’ll also enjoy the convenience of making payments with just a few taps on your smartphone. 


Is it safe to link my credit card to UPI?

Yes, linking your credit card to UPI is safe. UPI-enabled apps use encryption and security measures to protect your card information. Additionally, the two-factor authentication adds an extra layer of security to your transactions.

Yes, most UPI-enabled apps allow you to link multiple credit cards to your UPI ID. This gives you the flexibility to choose the card you want to use for each transaction.

Yes, you can unlink your credit card from UPI at any time. Simply go to the app settings or profile section and select the option to remove or unlink your credit card.

UPI-enabled apps generally do not charge any fees for linking your credit card. However, keep in mind that your credit card issuer may have its own fees and charges for using the card for UPI transactions.

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