Out of Cash? Use RuPay Credit Card for UPI Payments, 17 Banks Offer this Service

New Delhi: If you're running low on funds in your bank account and want to make UPI payments, there's no need to worry. You can use your RuPay credit card to make UPI payments to both online and offline merchants. However, you cannot use your RuPay credit card for person-to-person payments.

It's worth noting that the RuPay Credit Card on UPI service was launched in 2022. In simple terms, you can take advantage of making UPI payments using your RuPay credit card. Just like linking your bank account with a UPI app, you can also link your RuPay credit card with many UPI apps, including BHIM. So far, you can link RuPay credit cards from 17 banks on the BHIM app.

UPI Payment Facility Available through RuPay Credit Cards from 17 Banks

1. AU Small Finance Bank
2. Axis Bank
3. Bank of Baroda
4. Canara Bank
5. CSB Bank
6. Federal Bank
7. HDFC Bank
8. ICICI Bank
9. IDFC First Bank
10. Indian Bank
11. IndusInd Bank
12. Kotak Mahindra Bank
13. Punjab National Bank
14. Saraswat Co-operative Bank
15. State Bank of India
16. Union Bank of India
17. Yes Bank

How to Link RuPay Credit Card with BHIM App

1. Open the BHIM app.
2. Click on the profile icon at the top left.
3. Scroll down and click on "Link RuPay Credit Card Pay With UPI."
4. A list of 17 banks will appear, whose RuPay credit cards can be linked with UPI.
5. Click on the relevant card, and the details of your linked credit card will appear with your mobile number.
6. Enter the last 6 digits of the credit card and its validity.
7. Enter the OTP received on your mobile.
8. Create a UPI PIN. This completes the registration process.
9. Now, scan the merchant's UPI QR code, select your RuPay credit card, enter the UPI PIN, and complete the payment.