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Apps like Phonepe have transformed the way you pay and transact. Besides, adding money to a PhonePe wallet using a credit card is very simple. This feature allows you to enjoy greater flexibility as you are not restricted to just your UPI or debit card to top up your wallet. 

How to Add Money to PhonePe Wallet Using Your Credit Card

Just follow these quick steps to get started:

  1. Open the PhonePe app and tap on your profile picture

  2. Under the ‘Payment Methods’ option and select ‘PhonePe Wallet’

  3. Enter the amount you wish to add to your wallet

  4. Proceed by selecting credit card as the payment mode

  5. Click on the ‘Top Up Wallet’ and proceed with the transaction 

To complete the process, you need to authenticate it.

Note: You can only 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 simplifies your financial transactions. Here’s how you can go about it:

  1. Open the PhonePe app on your smartphone

  2. Navigate to ‘View All Payment Methods’ within the ‘Payment Methods’ section

  3. Click ‘Add New’ under the ‘Debit/Credit Cards’ section

  4. Enter your credit card number, unique verification number, validity, and other relevant details


Once done, provide the OTP set to your registered mobile number. Finally, click on ‘Confirm’ and add your credit card to your PhonePe application. 

How to Link Your Credit Card with UPI Through PhonePe

You can add your credit card on PhonePe using two methods, saving your card details or linking it directly. From June 2022, RBI permitted RuPay credit cardholders to link their cards with the UPI interface for a faster payment experience. You can get this done easily on PhonePe.

Linking RuPay Credit Card with UPI 

Follow these steps to link your card with UPI on the PhonePe app:

  1. Tap on the ‘Payment Methods’ category on the app’s home screen

  2. Select the ‘RuPay Credit Card’ category and choose the issuing bank

  3. Provide the last 6 digits of your credit card and hit the ‘Set up PIN’ button

  4. Enter the OTP sent on your registered mobile number 

  5. Enter the 4 or 6-digit PIN twice and proceed ahead to link your card with UPI  


And, you are done!

Benefits of Linking Credit Cards to PhonePe

Digital payments make it much easier to transact and take away the hassle that comes with physical payments. Here are some advantages of linking your credit card to PhonePe:

Quicker Payments

UPI and other online payment methods process your transactions instantly

Enhanced Convenience

You don’t have to enter card details each time you make an online transaction

Secure Transactions

You need to authenticate all transactions with MPIN, which adds another layer of security

Wider Acceptability

Using the QR codes, you can pay through credit cards, even at small merchant stores

Once you learn how to add a credit card on PhonePe, you can transact effortlessly. If you don’t have a credit card, find offers and apply online on Bajaj Markets. The process is easy, takes just a few minutes, and is completely hassle-free. 

How to Pay Credit Card Bills Through the PhonePe App

Apart from making quick payments, you can repay your credit card dues through the PhonePe app. Here is how:

  1. Open the PhonePe app on your smartphone

  2. Head to ‘Recharge and Pay Bills’ and select ‘Credit Card’

  3. Enter your card number, valid through date, along with the CVV and select ‘Confirm’

  4. Click on ‘Pay Bill’ after you enter the bill amount


This way, you can easily clear your credit card dues using the PhonePe app.

Frequently Asked Questions

Can we add money to the PhonePe wallet from credit cards?

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

What is the use of adding a credit card to PhonePe?

You can save the details of your credit card on PhonePe for faster payments, making it convenient.

Does PhonePe charge for credit card payments?

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

Is PhonePe safe for credit card payments?

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

How much money can I add to my PhonePe wallet?

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

Is there a customer care number I can contact in case of any queries?

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

What should I do if I do not receive an OTP while making a transaction?

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

What are the charges for adding money to PhonePe using a credit card?

Adding cash to your PhonePe wallet through credit cards attracts a convenience fee ranging between 1.5% and 3%, excluding GST.

Can I pay with my credit card using PhonePe?

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.

How do I pay my credit card bill from my PhonePe wallet?

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, 

  1. Go to the ‘Recharge & Pay Bills’ and tap on ‘Credit Card’

  2. Select your saved card

  3. Tap on ‘Confirm’, enter the bill amount

  4. Tap ‘Pay Your Bill’ to complete the payment

Why am I unable to complete the fund transfer through PhonePe?

A fund transfer may not be possible if there is an insufficient balance or the bank server of the beneficiary’s bank account is busy.

Can I scan and pay my bill using the credit card option in PhonePe?

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

Can I pay to another UPI with my credit card through PhonePe?

Yes, you can pay any UPI ID with your credit card through PhonePe using the beneficiary’s UPI ID or QR code.

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