Pay by Points is a new UPI feature that allows RuPay Credit Card holders to redeem accumulated credit card reward points directly while making payments at merchant outlets through UPI Apps.
Currently, the feature is being rolled out for RuPay Credit Cards linked on UPI. Availability may depend on individual card issuers.
During checkout on a UPI App, users can click "Check Reward Points" to fetch their available points from the issuer bank.
Yes. If sufficient reward points are available, the entire bill can be paid using points. Otherwise, a split payment will be made between reward points and the credit account.
If a transaction settled using reward points is reversed, the issuer will credit back the equivalent points (or adjust against the customer's card account, as applicable).
No. This feature is offered at no additional cost to customers or merchants.
Yes. The system supports split tags (PURCHASE, CASHBACK, POINTS), allowing flexible adjustments.
Credit card reward points, loyalty program points, and cashback points from participating programs.
Yes, if you don't have enough points to cover the full amount, you can pay the balance with your regular UPI account.
No, UPI doesn't change your points expiry rules. They still expire according to your original credit card or loyalty program terms.
This depends on your specific credit card or loyalty program. The UPI app will show you the cash value before you confirm payment.
Yes, linked points accounts will show current balances in your UPI app.
This depends on your credit card or bank's reward program policies for UPI transactions.
Merchants receive the full transaction amount as per the standard UPI settlement process. The split between reward points and credit card debit happens internally between the issuer and NPCI.
No additional integration is required. Points payments work through the standard UPI merchant acceptance process.
Refunds are processed back to the customer's original payment method - points are credited back to their rewards account.
Yes, merchants can drive customer loyalty by accepting reward points directly through the UPI payment system.
Yes, all transactions are processed over UPI rails with existing authentication and settlement cycles, ensuring security and reliability.