{"status":200,"data":{"id":1,"createdAt":"2024-08-09T04:15:32.012Z","updatedAt":"2025-12-18T06:16:16.284Z","publishedAt":"2024-08-09T07:27:54.179Z","isRightClickDisabled":null,"locale":"en","bannerDetails":{"id":1,"mediaType":"image","altText":"It's a game-changing partnership. RuPay Credit Card now on UPI","title":"RuPay Credit Card on UPI","description":null,"media":[{"url":"/uploads/rucred_on_upi_desk_3fbbd4ceba.webp"}],"bannerButton":null},"content":[{"order":2,"id":1,"Label":"Product Overview","Desc":"RuPay Credit Cards on UPI will provide a seamless, digitally enabled credit card lifecycle experience for the customers. Customers will benefit from the ease and the increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem with acceptance of credit cards using asset lite QR codes.\n\nRuPay Credit cards can now be linked to a UPI ID thus directly enabling safe, and secure payment transactions."},{"order":3,"id":2,"Label":"Product features","Desc":"- Discover credit card accounts from the issuer bank based on your registered mobile number and link it to the UPI ID on BHIM app or any UPI app.\n- Post linking the card, customer will be able to make payment to a merchant by scanning the UPI QR code. Payment authentication will be done using UPI PIN.\n- <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.rupay.com/emi-cc-on-upi\">EMI on RuPay Credit Card on UPI Feature</a>:  With this feature, customers can choose to convert their purchase into EMIs either at the time of purchase or later by accessing the transaction history in the UPI Application and making a request for EMI conversion.\n- Cash withdrawal at merchant, P2P, P2PM, card to card payments will not be permitted through this functionality.\n- Transaction through this process will follow UPI standard transaction limits.\n- Features like AutoPay and dispute resolution will be available for the customer via ODR (UPIHelp) through UPI Apps.\n"}],"procedures":[{"order":4,"id":1,"title":"How to link RuPay Credit Card on UPI?","media":[{"order":1,"id":84,"mediaType":"image","alt_text":"Open BHIM UPI App","title":null,"description":"Open BHIM UPI 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Credit card","logo":{"url":"/uploads/7_ed6431a123.webp"}},{"order":8,"id":165,"mediaType":"image","alt_text":"Confirm","title":null,"description":"Confirm","logo":{"url":"/uploads/8_75b6492e62.webp"}},{"order":9,"id":166,"mediaType":"image","alt_text":"Click to view Accounts","title":null,"description":"Click to view Accounts","logo":{"url":"/uploads/11_bd4408fc1d.webp"}},{"order":10,"id":167,"mediaType":"image","alt_text":"Select from available options","title":null,"description":"Select from available options","logo":{"url":"/uploads/12_804b9e07ef.webp"}},{"order":11,"id":168,"mediaType":"image","alt_text":"Set UPI PIN","title":null,"description":"Set UPI PIN","logo":{"url":"/uploads/Untitled_3_1bb6d842a7.webp"}},{"order":12,"id":169,"mediaType":"image","alt_text":"UPI PIN set successfully","title":null,"description":"UPI PIN set successfully","logo":{"url":"/uploads/9_13c6a4b3ac.webp"}}]},{"order":5,"id":2,"title":"Make payment with RuPay Credit Card on 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Don'ts","content":[{"order":1,"id":3,"Label":"Do's","Desc":"Allow the UPI app to read your SMS, Contacts and Call history for the UPI app to link your RuPay Credit Card.\n\nAlways set up a different UPI PIN to authenticate Credit Card transactions on UPI, at the time of linking your credit card on UPI.\n\nMake payment only to merchants QR Codes, e-comm merchant using CC on UPI.\n\nSetup UPI Autopay to make payments of your Credit Card bills on time.\n\nAlways keep your mobile number updated with your Credit Card issuing bank, for you to link your RuPay Credit Card on UPI.\n\nDo check your available balance and outstanding amount on UPI app before initiating any merchant payment."},{"order":2,"id":4,"Label":"Don'ts","Desc":"Don’t share your UPI PIN with anyone.\n\nDon’t keep your CC on UPI PIN and your Saving Banks account UPI PIN & Card Pin same.\n\nDon’t share the OTP with anyone which you receive during the registration process.\n\nDon’t breach the credit limit assigned by your issuer on UPI while making payment to merchants.\n\nDon’t make payments using RuPay Credit Card on UPI for categories such as Person to Person, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, Card to Card payment, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds, and any other categories as restricted by the issuing bank / RBI from time to time."}]},"liveBanks":{"order":7,"id":1,"title":"Banks live with this feature:","media":[{"order":1,"id":5,"mediaType":"image","alt_text":"AU Small Finance Bank","title":null,"description":null,"logo":{"url":"/uploads/au_small_finance_bank_1_08f7075f76.webp"}},{"order":2,"id":6,"mediaType":"image","alt_text":"Axis Bank","title":null,"description":null,"logo":{"url":"/uploads/Axis_bank_1_cf209927fd.webp"}},{"order":3,"id":7,"mediaType":"image","alt_text":"BOB Card Credit 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Federal Bank, Catholic Syrian Bank, IndusInd Bank, Yes Bank\n\n"},{"order":2,"id":2,"questions":"Which apps have been enabled for linking Credit Card on UPI?","answers":"Currently, on BHIM, PhonePe, GPay, PayZapp, GoKIWI, Slice, Paytm, MobiKwik, BHIM PNB, Canara Ai1, Groww, Cred, ICICIiMobile, Jupiter, Samsung Wallet, Navi, Sriram Finance, FreeCharge, Amazon Pay, Fino Pay, Niyo Global, YesPay Next, Jio Finance and Union Bank of India (Vyom) customer can link their RuPay Credit Card on UPI. Other apps are enhancing their tech platforms to enable linking of credit card on UPI.\n\n"},{"order":3,"id":3,"questions":"How can I link my RuPay Credit Card on UPI?","answers":"Please download BHIM app from Google Playstore. Complete the registration journey, select Credit Card as an option. Select your issuing bank name from the drop down. Basis the mobile number update with your issuing bank, masked Credit Cards will appear on the screen. Select the card which you want to link and confirm. Proceed to generate UPI PIN.\n\n"}]}]},"disclaimer":null,"seo":{"id":84,"page_name":"RuPay Credit Card on UPI","seo_title":"RuPay Credit Card on UPI","seo_description":"RuPay Credit Card on UPI","seo_keywords":"rupay credit card on upi, Product Overview","seo_canonical_link":null,"createdAt":"2024-09-18T11:12:12.033Z","updatedAt":"2026-01-19T11:04:58.923Z","publishedAt":"2024-09-18T11:12:16.632Z","enable_indexing":null,"locale":"en"}}}