How to Add & Link RuPay Credit Cards with UPI?

 


One such convenience is linking your RuPay credit card with the Unified Payments Interface (UPI). This seamless integration allows you to make secure payments and transactions directly from your credit card using UPI. Need help adding and linking your RuPay credit card to UPI? This manual will walk you through the process step-by-step.

What is UPI?

UPI, or Unified Payments Interface, is an extreme digital payment method in India that allows instant, safe, and hassle-free money transfers between bank accounts. UPI simplifies payments by using a special Payment Address linked to your bank account.

Why Link Your RuPay Credit Card with UPI?

Linking your RuPay credit card with UPI offers numerous advantages. It allows you to:

●       Make quick and secure payments online and in stores.

●       Check your credit card balance and transactions conveniently.

●       Set up automatic bill payments for utilities, subscriptions, and more.

●       Access exclusive offers and rewards available to RuPay cardholders.

Preparing to Link Your RuPay Credit Card

Before you start the linking process, ensure you have the following:

●       A credit card from a bank that permits UPI and is part of the RuPay network.

●       A smartphone with an active internet connection.

●       The UPI-enabled mobile banking app of your bank (e.g., BHIM, Google Pay, PhonePe).

Adding Your RuPay Credit Card to the UPI App

Follow these simple steps to add your RuPay credit card to the UPI app:

●       Open your UPI-enabled mobile banking app.

●       Then, Sign in for a UPI account.

●       Navigate to the "Add a Payment Method" or "Add Bank Account" option.

●       Select your bank (the bank associated with your RuPay credit card).

●       The app will use your mobile number linked to your credit card for identity proof.

●       After verification, you can add your credit card as a payment method.

Linking Your RuPay Credit Card

When adding your credit card, be sure to link it to your UPI account.

●       To link your card, go to the app and select 'link the credit/debit card'.

●       Now you need to fill in your RuPay credit card details, which include card number, expiry date and CVV number.

●       After that you just need to follow the steps as it is given and your card will be linked to you UPI account.

Setting Up Security

To ensure the safety of your transactions, consider setting up security features like:

●       Setting a UPI PIN: Create a unique UPI PIN for added security.

●       Allowing Two-Factor Authentication (2FA): Activate 2FA for each transaction.

●       Regularly monitor your credit card history for any unauthorized activity.

Making Payments with Your Linked RuPay Credit Card

Now that your RuPay credit card is linked to UPI, you can start making payments:

●       Choose the UPI option when making a payment or shopping online.

●       Select your linked RuPay credit card as the payment source.

●       Enter your UPI PIN or complete the 2FA process.

●       Confirm the payment.

Read More - How to Use A Travel Credit Card to Improve Your Credit Score?

Conclusion

A quick and effective approach to improve your payment experience is by connecting your RuPay credit card with UPI. You may use your credit card for a variety of transactions with it since it gives you flexibility, security, and convenient access. You may easily combine your RuPay credit card with UPI by following the procedures, making your payments more convenient than before.

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