Are you trying to stretch every rupee right now? Maybe you’re juggling bills, trying to cut corners, and still hoping for a little breathing room. What if I told you there’s a smart way to get cashback and rewards on the daily payments you already make—without changing a single habit?
Sounds too good to be true? It’s not. Let me walk you through something that’s helping thousands like you save more and spend smarter.
Credit Cards + UPI A Smarter Way to Pay
Not long ago, UPI (Unified Payments Interface) was just about debit cards and bank accounts. But that’s changed in a big way.
Now, you can link your RuPay credit card to UPI apps like PhonePe, Google Pay, Paytm, and more—and use it just like a regular UPI payment. And guess what? You earn rewards, points, even up to 5% cashback on your everyday transactions.
Why Should You Link Your Credit Card to UPI?
Here’s what makes it a total game-changer, especially if you’re trying to get the most out of every transaction:
- Earn cashback and reward points every time you pay—even for groceries or milk!
- Use your card without needing a swipe machine (POS)—perfect for small shops.
- It’s fast, secure, and seamless—scan a QR code, pick your card, done.
- Acts as a backup payment option in emergencies or large purchases.
- You keep your bank balance untouched while earning credit rewards.
How to Use a Credit Card for UPI Payments
Linking and using your credit card for UPI is easier than you think:
- Open your favorite UPI app (PhonePe, Google Pay, Paytm, etc.)
- Go to the ‘Add Account’ or ‘Add Payment Method’ section
- Select RuPay Credit Card
- Verify your details and link your card to your UPI ID
- When making a payment:
- Scan the QR code or use “Pay to phone number” or “Pay to contact”
- Enter the amount
- Select your credit card as the payment method
- Enter UPI PIN to confirm
Real Rewards You Can Actually Use
Some banks are even offering exclusive UPI-linked credit cards with killer cashback deals:
| Bank/Card Name | Rewards on UPI | Max Monthly Benefit |
|---|---|---|
| Axis Bank SuperMoney RuPay | 3% cashback on UPI spends | ₹500/month |
| HDFC Tata Neu RuPay | Points + discounts | Varies |
| YES Bank Klick Card (via Kiwi app) | Cashback & app benefits | Custom |
| Jupiter Edge CSB RuPay | Cashback on UPI | Based on usage |
FAQ: Let’s Clear Up Your Questions
Can I use any credit card for UPI payments?
Right now, only RuPay credit cards are supported. But Visa and Mastercard are slowly joining in.
Is it safe to use credit cards with UPI?
Yes! It’s as secure as your normal UPI transaction. You still need to enter your UPI PIN to authorize every payment.
Will I be charged extra for using a credit card on UPI?
No extra charges for you—but for payments above ₹2,000, some merchants may avoid it due to MDR fees.
How do I know if my card is eligible?
Check with your bank. If you have a RuPay credit card, it’s most likely UPI-compatible.
What if I don’t want to spend too much on credit?
Great question. Set a budget limit within your UPI app or on your credit card to avoid overspending.
Can I use this in small towns or villages?
Absolutely. In fact, this feature is especially useful in Tier-2 and rural areas, where POS machines aren’t common but QR codes are everywhere.
