How to Pay with UPI Using Your Credit Card

You can make easy and fast transactions by knowing how to pay with UPI using credit cards. Linking RuPay credit cards with the Unified Payments Interface (UPI) has become possible since the Reserve Bank of India (RBI) approved it. You can carry out any transaction using these platforms with flexibility and enhanced features.

After UPI transactions became the new norm, many hesitate to carry a physical credit card. By linking your credit card with UPI, you can get enhanced security and reduce the chances of fraudulent activity. Knowing the other related advantages can help you decide to switch to this payment mode too. 

Why Use Credit Cards for UPI Payments

With the rise in popularity of in such digital transactions, you can now make offline and online purchases without needing a physical card. You can also complete online payments without remembering your card details. Here are the other benefits to consider before linking your RuPay credit card with UPI:

Better Budgeting of Finances

Using several mediums to make payments can force you to check and track numerous bills and statements. Using your credit card for UPI transactions centralises all of your finances. You can simply check the history of the transactions to analyse your expenses and plan accordingly. Doing so can be a great way to stick to the budget and plan better.

Manage Significant Expenses

Credit cards come with the feature of converting large purchases into monthly instalments. You can use this feature while making UPI transactions for a big purchase and pay with EMIs. This integration enables you to plan your big purchases and pay comfortably with the flexibility of a revolving balance.

Diverse Acceptance

With enormous acceptance worldwide, UPI enables you to make payments to various platforms and companies. You can use it to pay electric bills, shop at retail stores and more. Linking credit cards with UPI ensures diverse acceptance and eliminates the necessity of providing card details.

Additional Protection

UPI transactions come with enhanced safety features. Some of them include:

• Two-factor authentication
• Personal identity Number
• Biometric identification

These robust features make the process more secure and minimise the chances of fraudulent activity.

Reward Programs

Many credit cards have lucrative reward programs. Linking the credit card with UPI can enable you to earn rewards while making payments. Additionally, you can also earn cashback on the UPI in the form of scratch cards and other options. 

That can be a rewarding way to continue your transactions while saving through rewards and cashback.

Enhanced User Experience

Using UPI for day-to-day transactions enables you to pay with a single platform. Here are some of the daily transactions you can perform:

• Bill payment
• Shopping
• Peer-to-peer transactions

You don’t need to switch from platform to platform to make payments. Linking your credit card allows you to carry out all the transactions more conveniently. That makes the entire process more user-friendly.

Online Shopping Convenience

With the increase in online shopping, safety and convenience are crucial. You can simplify your transactions since many businesses now accept UPI for payments. Not only that, but you also don’t have to provide your credit card details on websites. That can help you avoid phishing scams and prevent your credit card details from being compromised.

How to Make UPI Payments Using Credit Cards

You can select a trusted UPI application from a variety of well-known service providers. You can base your selection on the following criteria:

• User-friendly experience
• Security features 
• Transaction limits
• Customer support options
• Integration with multiple banks
• Availability of rewards or cashback offers
• Reviews and ratings from other users

After downloading the UPI application, you can follow these steps to begin:

1. Link your bank account with your verified phone number
2. Authenticate and verify the identification process

After that, you can link your credit card. By following these simple methods, you can easily make UPI payments using your credit card:

1. Go to your profile setting on the UPI app
2. Click on ‘Add payment methods’
3. Provide all necessary credit card details 
4. Complete the verification process

Now, you’re all set to make payments using your UPI app. Enjoy instant, hassle-free transactions. First-time UPI users can follow these steps:

1. Enter the UPI details or scan the QR code of the receiver
2. Enter the amount
3. Select the payment method as a credit card
4. Enter the password and complete the process

These steps can help you access the convenience of using UPI and credit cards while enjoying numerous rewards. If you’re looking for a credit card with such flexibility, the  One Credit Card can be a game changer. You can opt for a virtual credit card, avoiding the usage of a physical one and get instant access.

Additionally, you can enjoy benefits like 5X monthly reward points on your top two spending categories, various travel deals and other discounts. For example, flat 2% value back on DMart, saving sup to ₹5,000 on Yatra and more. Using the robust One Credit Card mobile application, you can manage your spending effectively and control your card’s usage. Download the app or visit the website and apply now to enjoy the benefits of this lifetime-free credit card!