Good news for RuPay credit card holders in India! You can now use your cards for digital payments through UPI, a popular mobile payment platform. This means you can ditch your physical card and make contactless payments at millions of merchants and online stores that accept UPI.
Here’s what you need to know:
- Only RuPay credit cards are currently eligible. Other types of credit cards are not yet supported on UPI.
- Linking your RuPay card to UPI is simple. Download a UPI app like BHIM, PhonePe, Paytm, or Mobikwik, and follow the instructions to add your card.
- You’ll need to set a separate UPI PIN for your credit card transactions. This PIN is different from your debit card PIN or credit card PIN.
- UPI with RuPay credit cards has some limitations. You cannot use it for peer-to-peer (P2P) transactions like sending money to friends or family, or for cash withdrawals at ATMs.
Overall, linking your RuPay credit card to UPI is a convenient way to make digital payments without carrying your physical card. However, it’s important to be aware of the limitations and use it responsibly.
Here are some additional points to remember:
- Always make sure you’re paying a trusted merchant before initiating any transaction.
- Be mindful of your credit card spending limit and avoid overspending.
- Pay your credit card bills on time to avoid late fees and interest charges.
With these steps in mind, you can enjoy the ease and convenience of using your RuPay credit card on UPI for your everyday purchases.
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