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PhonePe is one of India’s leading UPI TPAPs (Third Party Application Providers). It helps merchants accept payments through all UPI-based apps, debit cards, credit cards, and third-party wallets. 


Adding money to an online wallet is an effective mechanism that simplifies transactions. Here is how you can transfer money from your credit card account to your PhonePe wallet in detail.


Follow the steps mentioned below to transfer cash from your credit card to your PhonePe wallet: 

  • Step 1: Open the PhonePe app and click on the ‘PhonePe Wallet’ tab

  • Step 2: Enter the amount you wish to add to your wallet

  • Step 3: Proceed by selecting the payment mode (credit card in this case)

  • Step 4: Click on the ‘Top Up Wallet’ and proceed with the transaction


It is that simple to add money to your PhonePe application using your credit card. To complete the top-up process, you have to authenticate it. One of the most crucial pointers to remember is that you can add funds to your PhonePe wallet if you have complied with KYC requirements. 

How to Link Your Credit Card to PhonePe?

When you add a credit card to PhonePe, it eases and simplifies your financial transactions. Here is the process you can follow:

  • Step 1: Open the PhonePe app on your smartphone

  • Step 2: Navigate to ‘View All Payment Methods within the ‘Payment Methods’ section

  • Step 3: Click ‘Add New’ under the ‘Debit/Credit Cards’ section

  • Step 4: Enter your credit card number, unique verification number, validity and other relevant information


Once you follow these steps, provide the OTP you receive in your registered mobile number. Finally, click on the ‘Confirm’ button and add your credit card to your PhonePe application. 

How to Pay Credit Card Bills Through the PhonePe App

You can also repay your credit card dues through the PhonePe app. Here is how you can complete this process:  

  • Step 1: Open the PhonePe app on your smartphone

  • Step 2: Navigate to the ‘Recharge and Pay Bills’ tab and select ‘Credit Card Bill’

  • Step 3: Enter your card number and the registered mobile number to link your credit card 

  • Step 4: Click ‘Pay Bill’ after you enter the bill amount


This way, you can easily clear your credit card dues using the PhonePe application. Now that you know how to add money from a credit card to PhonePe, you can execute your transactions effortlessly. 

If you are interested to know about some exciting credit card offers and planning to apply for one, visit the Bajaj Markets website or download the app.

FAQs on Adding Money from Credit Card to PhonePe

Yes, you can add money from your credit card account to third-party UPI apps like PhonePe.

You can save the details of your credit card or even your debit card on PhonePe to make faster payments, making it convenient for you.

There may be processing fees associated with making credit card payments on PhonePe, depending on your credit card issuer’s policies.

Yes, PhonePe is considered to be safe for credit card payments, as well as for other types of transactions. PhonePe uses a secure encrypted format to save the confidential information of its customers.

You can add a maximum of ₹10,000 per month and ₹1.2 Lakhs per year from your credit card to your PhonePe account.

Yes, you can contact the PhonePe representatives at 080-68727374/022-68727374.

If you do not receive an OTP while making your transaction, consider trying again after some time. If the issue is still not resolved, you can raise your concern with PhonePe customer care.

Whenever you add a credit card to the PhonePe application, it charges you a fee of ₹2 or ₹5 to authenticate your card. This amount is credited back to your account later.

Yes. PhonePe acts as a medium of transaction, allowing you to make payments for products and services using your credit card. You can make the payment using the PhonePe app after you add your credit card as one of the payment options. 


You can also add money from your credit card to your PhonePe wallet and pay your outstanding bills.

You can pay your credit card bill using PhonePe after you have linked your credit card or bank account with the PhonePe application. To pay your credit card bill, go to the ‘Recharge & Pay Bills’ category on the PhonePe app. Then, tap on ‘Credit Card Bill Payment’. 


Select your credit card from the options listed under saved/recently used cards. Alternatively, enter your credit card number, and click on ‘Confirm’. Enter the bill amount and tap ‘Pay Your Bill’ to complete the payment.

If you do not have an adequate bank balance or the bank server of the beneficiary’s bank account is busy, a fund transfer may not be possible.

Yes, use the QR Code Scanner and pay using your credit card in PhonePe.

You may have to pay an additional fee of 2.06%, which is inclusive of GST when you add money to the PhonePe wallet from your credit card.

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