HomeBusinessUPI Payment With Credit Card Started Through QR Code; This Is How It Works

UPI Payment With Credit Card Started Through QR Code; This Is How It Works


Credit Card UPI Payment: There is good news for crores of people using UPI for online payments and digital transactions. Now it has become possible to make payments through UPI not only from savings accounts or Current Accounts but also from Credit Card.

The facility of making payments through UPI by scanning the QR code with a Rupay credit card has now started. After introducing this facility, users of RuPay Credit Card will be able to make payments easily in POS machines without swiping or tapping the card.

These three banks just started.

Reserve Bank Governor Shaktikanta Das launched this facility on Tuesday. Experts say that with this facility of the Reserve Bank, the credit card market can increase up to five times. Right now, this facility’s benefit will be first available to the customers of Punjab National Bank, Union Bank of India and Indian Bank.


Experts expect that the payment facility through UPI will soon be started for Rupay cards, MasterCard, and Visa. On the occasion of the launch of the new facility, Nandan Nilekani, non-executive chairman of Infosys, said that RBI has emerged as a world leader in bringing together regulation and innovation.

RBI promoting digital payments

The Reserve Bank (RBI) continuously makes changes to promote digital payment. After the MPC meeting of June (RBI MPC Meet June 2022), the Central Bank said that the payment could be made by linking the credit card to UPI. Then RBI Governor Shaktikanta Das said that the facility of making credit card payments on the UPI platform would provide more options to customers than before.

Such users can also get benefits.

However, Governor Das added that linking credit cards with UPI will start with RuPay Credit Card. Since Mastercard and Visa currently dominate the credit card market, most users are not going to get the facility of making credit card payments through UPI.


Right now, this facility will be available only to those people who have a Rupay credit card. Let us know which banks are currently providing Rupay credit cards and how to link the credit card with UPI …

These banks are giving Rupay credit cards…

State Bank of India (SBI): The name of SBI comes first in turning off Rupay’s credit card. SBI offers ‘Shaurya SBI RuPay Card’ and ‘Shaurya Select SBI RuPay Card.

Punjab National Bank (PNB): PNB also offers two RuPay credit cards. They are ‘PNB RuPay Select Card and PNB Platinum RuPay Card’.


Bank of Baroda (BoB): This state-run bank also has two RuPay credit cards in its portfolio: Bank of Baroda Easy RuPay Credit Card and Bank of Baroda Premier RuPay Credit Card. Baroda Premier RuPay Credit Card).

IDBI Bank (IDBI Bank): This bank offers IDBI Winnings RuPay Select Card.
Union Bank of India: This bank offers Union Platinum RuPay Card and Union Select RuPay Card.

Saraswat Bank: Saraswat Bank Platinum RuPay Card.


Federal Bank: Federal Bank RuPay Signet Credit Card.

Link credit card with UPI app like this…

  1. First of all, open the UPI payment app.
  2. Click on Profile Picture.
  3. Go to the Payment Settings option.
  4. Select the Add Credit/Debit Card option.
  5. Enter the card number, valid up-to-date, CVV, name of the card holder etc.
  6. After entering all the details, click on the save button.

In this way, payment will be made by credit card.

With this facility of Reserve Bank, it will be possible to make payments without swiping a credit card. The credit card will have to be linked with UPI first. After that, payment can be made by scanning the QR code directly. While making the payment, you will get the option from which credit card or debit card you want to make the payment.

Once you initiate the payment from the UPI app, an OTP will be sent to your registered mobile number. Once the OTP is submitted, the payment will be completed. This will make it easier for those who, when needed, withdraw cash from a credit card or transfer money from it to a bank account. In both these situations, people have to pay additional fees and taxes.

Geeta Kumar
Geeta Kumar
Geeta Kumar is Our Digital Media Specialist at Spot News 18. She Manages our Digital Media Account Globally. She loves to be connected on Social Media.

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