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Make UPI payments through Credit Cards

Whenever you make any UPI transaction, the amount is usually debited from your savings account or any account that is linked to your UPI. In most cases, these are normal bank accounts with debit cards. But what if you could make UPI payments with a credit card as well? Yes, you read that correct. 

Here’s a blog explaining how making UPI payments with credit cards work. 

Can I Use Credit Card for UPI Payment?

Yes, it is now possible to use a credit card for UPI payments. This was introduced to broaden the scope of UPI and incorporate more flexibility in the digital payments ecosystem. However, this feature is currently limited to a few card networks and banks. Therefore, it’s essential to check whether your credit card issuer supports UPI payments.

How to Link Credit Card to UPI

Linking a credit card to UPI is a straightforward process, similar to adding a bank account. Here’s how you can do it:

  1. Open Your UPI App: Launch the UPI app you use, such as Airtel Thanks App, or any other that supports this feature.
  2. Go to ‘Add Payment Method’: In the app, navigate to the section where you can add new payment methods. This is typically found in the ‘Bank Accounts’ or ‘Payment Methods’ section.
  3. Select ‘Add Credit Card’: If the app supports credit card linking, you will see an option to add a credit card. Select this option.
  4. Enter Details: You will need to enter your credit card number, expiry date, and CVV. Then, proceed to authenticate your card, usually via an OTP sent to your registered mobile number.
  5. Set UPI PIN: Once your card is verified, you might be required to set a UPI PIN for your credit card if it’s your first time linking it to UPI.

After these steps, your credit card will be linked to your UPI ID, and you can start making payments.

Read more: Features and benefits of Axis Bank credit cards

How to Make UPI Payment Through Credit Card

Making a UPI payment via a credit card is as simple as using a debit card or bank account through UPI. Here’s how to do it:

  1. Select the Payment Option: When you are at the payment checkout, choose UPI as your payment method.
  2. Enter Your UPI ID: Input the UPI ID that is linked to your credit card.
  3. Approve the Transaction: You will receive a payment request in your UPI app. Open the app and approve the transaction by entering your UPI PIN.

It’s crucial to note that while making UPI payments through a credit card, you are essentially borrowing money from the credit card issuer. Hence, standard credit card charges and interest rates apply if the balance is not paid in full.

Read more: Get an Airtel Credit Card without any joining fees!

Advantages of Using Credit Card for UPI Payment

  • Benefit of the Credit Period: Utilize the credit period offered by your credit card, allowing you to manage cash flows better.
  • Earn Rewards: Many credit cards offer rewards on transactions. Making payments via UPI can also accrue these benefits.
  • Enhanced Convenience: Consolidate your spending on one platform and manage your transactions efficiently.

While making UPI payments with credit cards is a significant step forward, users should be mindful of their spending, as it’s easy to overlook that credit card transactions accrue interest if not settled promptly.

Choose the Airtel Axis Bank Credit Card everyday

Looking for a credit card that can help you save a lot of money, even as you spend with it? Choose the Airtel Axis Bank Credit Card from Airtel Finance and you will have a credit card that offers you annual savings up to ₹16,000!

Read more: Shop on Flipkart with the Axis Bank Credit Card

What are the cashback offers on the Airtel Axis Bank Credit Card?

Ever wanted a credit card that would give you cashback offers on possibly every transaction made? Here’s the list of all the cashback offers available with the Airtel Axis Bank Credit Card:

  • 25% cashback when you pay Airtel postpaid, DTH or broadband bills with the Airtel Thanks app
  • Extra 10% cashback when you pay your daily utility bills (such as booking cooking gas cylinders, electricity bills, water bills, etc.) via the Airtel Thanks app
  • 10% cashback offer on the following delivery apps – Zomato, Swiggy and BigBasket
  • An additional 1% cashback on all other transactions 

Still waiting? Apply for the Airtel Axis Bank Credit Card on the Airtel Thanks UPI app and start shopping online!