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How to Make UPI Payments Through a Credit Card

Saptarshi Ghosh Posted on Jul 01, 2026

Table of Content

Benefits of Linking Credit Cards to UPI

Linking your credit card to UPI makes payments easier, faster, and more flexible. Here are some of the benefits you can enjoy:

Allows Small Transactions

With UPI, you can easily use your credit card for small transactions, including online payments and money transfers, streamlining your payments.

Works Almost Anywhere

UPI allows you to make payments via phone numbers, QR codes, or UPI IDs, making it a versatile and accessible payment method.

Instant Transaction Processing

Just like regular UPI payments, transactions are processed instantly within seconds, making payments quick and hassle-free.

No Need to Re-enter Card Details

Once your card details are stored in your UPI app, you will not need to enter them each time you make a payment, saving you time and effort.

Earn Rewards, Cashback, and Points

Enjoy exciting rewards, cashback, or loyalty points on every UPI transaction, adding extra value to your purchases while you shop or pay bills.

Make Larger Purchases Easily

Using your credit card via UPI, you can make substantial payments without needing immediate funds in your bank account, giving you more flexibility in your spending.

No Need to Carry Your Credit Card

Thanks to UPI apps, you do not need to carry your credit card with you to make payments, which decreases the risk of cloning, theft, and more. This can increase your safety.

Advantages of Using UPI For Credit Card Transactions

Using UPI for credit card payments makes spending easy and safe while providing the potential to earn rewards. Here are some other advantages of using UPI for credit card transactions:

Credit Period

Enjoy the extra time to pay back, as credit cards offer a grace period before the payment

Earn Rewards

Keep earning reward points on every transaction made through your credit card

Track Expenses

Easily monitor all your spending in one place using UPI apps

Emergency Use

Make payments even if your bank account balance is low using your credit card limit

Secure Payments

UPI uses two-step verification like PIN and OTP to keep your transactions safe and reduce the risk of fraud

Credit Cards Functional with UPI

Many banks and Non-banking Financial Companies (NBFCs) provide credit cards that you can link to UPI apps for seamless payments. As of now, only credit cards on the RuPay payment network can be linked to UPI.

By linking your card, you can experience the convenience of UPI transactions while earning rewards and benefits. Some of the cards that are UPI-compatible include:

Indianoil Axis Bank Credit Card

Joining fee is ₹500; annual fee of ₹500 waived on spending ₹3.5 Lakhs in a card anniversary year
Ideal for individuals looking to save on fuel expenses
Earn 20 reward points per ₹100 spent at IOCL fuel stations
Receive up to 1,250 EDGE REWARD points on fuel transactions within the first 30 days of issuance

IRCTC Rupay SBI Card

Joining fee and annual renewal fee is₹500
Buy tickets on irctc.co.in and the IRCTC Mobile App and earn up to 10% Value Back in Reward Points
Earn 1 reward point for every ₹125 spent on various categories, including railway tickets
Enjoy a 1% fuel surcharge discount at petrol pumps across India on transactions between ₹500 and ₹3,000
Access 4 complimentary railway lounges per year at participating lounges in India (Maximum of 1 per quarter)

CSB Bank Edge Credit Card

Enjoy zero joining fee and lifetime free membership with no annual charges
Scan using UPI and make payments with your card for added convenience
Earn a flat 2% cashback on various spending categories, like shopping, travel, or dining
Receive 0.4% cashback on all other purchases or payments
Get a welcome voucher worth ₹250 from your top brands

ixigo AU Credit Card

Annual membership fee is ₹999, which is waived off if you spend ₹1,000 within the first 30 days, and waived off for the following year if you spend ₹1 Lakh in the last year
Earn 1,000 reward points and ₹1,000 ixigo money vouchers on your first transaction within the first 30 days of receiving the card
Get a discount of 10% on flight bookings, with savings of up to ₹1,000
Enjoy flat 10% off on hotel bookings, with discounts up to ₹1,000

Disclaimer: Some of the credit cards mentioned above are not available on Bajaj Markets. You can visit the official website for more information and their application process.

Steps to Link Credit Card with UPI

Follow these simple steps to link your credit cards with UPI:

Download a UPI app like Paytm, GPay, PhonePe, or another from the Play Store or App Store
Open the app and verify your mobile number
Complete the registration process
Open the UPI app and select the ‘Add Credit Card’ or ‘Link Credit Card’ option
Choose and select the specific credit card you want to link
Tap on ‘Create PIN’ within the UPI app
Enter the card number, the expiry date, and other required details
Type in the OTP sent to your phone for authentication and set your preferred UPI PIN

Note: The process may vary across different platforms.

Steps to Make UPI Payments Using a Credit Card

UPI payments through credit cards offer a quick and convenient way to transact. Follow these simple steps to complete your transaction seamlessly:

Open your UPI app and select the 'PAY' option
Choose your linked credit card as the payment method
Scan the recipient's QR code or pay via their UPI ID
Verify the payment amount and complete the transaction

Note that the process may vary across different platforms.

Steps to Link Credit Cards with Third-Party UPI Payment Apps

You can easily link your credit card to a UPI payment app for quick payments. Follow these simple steps to link your card with different apps:

Google Pay

Open the Google Pay app on your mobile device
On the home screen, tap on 'Tap & Pay'
Select 'Card' and then tap 'Add a card'
You can add your card in two ways:
- Option 1: Scan your card using your phone's camera, and the details will be autofilled
- Option 2: Tap 'Enter details manually' and fill in your card information
Tap 'More' and accept the terms and conditions
Choose how you want to verify your identity (via text or email)
Tap 'Continue' and enter the one-time password (OTP) to verify your identity
Click on 'Submit' to complete the process

Paytm

Open the Paytm app, tap your profile picture in the top left corner, and select ‘Payment Settings’
Click on ‘Saved Cards’ and then ‘Add New Card’
Paytm will deduct ₹1 from your new card for authentication, tap ‘Proceed’
Enter your card details, ensure to tick ‘Save this card for future payments’, and confirm the payment
Once payment is verified, your new card will be added to your Paytm account

PhonePe

Click on your profile picture on the home screen
Under the ‘Payment Methods’ section, choose ‘Debit & Credit Cards’
Press ‘Add New Card’ and enter your card details (card number, validity, and CVV)
Enter the OTP sent to your registered mobile number
Click on ‘Confirm’

Best Practices for UPI Payments Using Credit Cards

When making UPI payments through credit cards, it is crucial to ensure secure and seamless transactions. By following a few simple steps, you can reduce the risk of fraud, manage your expenses more effectively, and have better control over your payments.

Here are some key tips to help you make UPI payments confidently and securely:

Monitor Your Credit Card Usage

Regularly check your credit card statements to track your spending and spot any unauthorised transactions.

Set Transaction Limits

Establish transaction limits within your UPI app to improve security and control payment amounts.

Secure Your Mobile Device

Use a strong password or biometric authentication to safeguard your device from unauthorised access. Avoid sharing your device, and only download apps from official app stores.

Frequently Asked Questions

Q: How to use a credit card for UPI payments?

Ans: You can use a credit card for UPI payments by following these steps:

Install apps like GPay, PhonePe, or Paytm
Add your credit card details to the app
Set up a unique UPI ID for transactions
Choose your linked credit card for making a payment
Use the recipient’s UPI ID or scan their QR code
Confirm the payment using a UPI PIN, biometric, or password

Q: Is there any charge for UPI transactions?

Ans: No, there is no charge for UPI payments through credit cards. However, a surcharge may apply for payments made at certain merchants.

Q: Can I stop or cancel a UPI transaction after initiating it?

Ans: Once a UPI transaction is initiated, it cannot be cancelled. If there are any errors or fraudulent activities, you can attempt a reversal through your bank.

Q: What does a VPA/UPI ID/Virtual ID mean?

Ans: VPA stands for Virtual Payment Address, also referred to as a UPI ID or Virtual ID. It is a unique digital identifier used for sending and receiving money through UPI apps.

Q: Can I send money from my credit card to UPI?

Ans: If your credit card is linked to a UPI app, you can transfer money to a UPI ID. Apps like GPay, PhonePe, or Paytm allow you to complete the transaction.

Q: Can I transfer money from a credit card to a bank account without any charges?

Ans: No, transferring money from a credit card to a bank account generally incurs a fee. Issuers usually charge for such transfers.

Q: Which banks currently support linking RuPay credit cards on UPI?

Ans: Here are some of the banks that currently support linking RuPay credit cards on UPI:

Punjab National Bank
Union Bank of India
SBI Card
ICICI Bank
Axis Bank
Kotak Mahindra Bank
CSB Bank
Federal Bank
IDFC Bank

Q: Which apps currently allow you to link your RuPay credit card on UPI?

Ans: Here are some of the apps that currently support UPI payments through credit cards:

BHIM
PhonePe
GPay
Paytm
MobiKwik
Amazon Pay
ICICI iMobile
PayZapp

Q: Is it beneficial to link credit cards with UPI?

Ans: Yes, linking a credit card to UPI offers greater convenience for making payments. It can also help improve your credit score by ensuring timely payments and offering a seamless transaction experience.

Hi! I’m Saptarshi Ghosh

Financial Content Specialist

Saptarshi, a.k.a. Shoppy, is a marketing maven with over 10 years of experience solely in the financial domain. He has expertise in crafting engaging and user-friendly financial content, creating SEO-friendly articles, and blogs that help businesses connect with their target audience and achieve their marketing goals. Shoppy specializes in creating financial content that is informative, engaging, and immersive, without overwhelming readers with technical terms.