How to make UPI payment with credit card? 2023

How to Pay via credit or debit card through PhonePe app

“This offering is in line with the latest innovation in the digital space by the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). Now, with RuPay credit cards enabled on UPI, Razorpay merchants can use UPI with minimal changes to their existing setup. This disruption has been made possible in partnership with Axis Bank,” Razorpay said in a statement.
Customers of HDFC Bank, Punjab National Bank, Union Bank and Indian Bank will be the first to take advantage of this innovation.
The integration of credit cards with UPI will ensure that customers no longer have to carry their credit cards all the time for making payments. This increases security for customers by eliminating the risk of theft or loss of credit cards and the possibility of skimming or copying sensitive customer information on swiping machines.
The financial regulator’s move is geared to provide customers with the best of both worlds – the benefits of short-term credit and the rewards of a card, along with a seamless payment experience of UPI.
Around 250 million Indians use UPI for their daily transactions, and around 50 million users have one or more credit cards. According to RBI data, the credit card industry has grown by 30% in the last three years, but the penetration of credit cards through only 6% of Indians is low. UPI, on the other hand, has recorded over 731 crore transactions in October 2022 alone, being used by over 40% of Indians.
“This will enable users to transact seamlessly with merchants across India on Credit Rail in line with the government’s vision for expanding structured credit infrastructure in India. Active participation of key ecosystem partners like Razorpay will drive the market as it will enable credit cardholders to transact through UPI, eliminating the need to carry physical cards.
Are you looking to make your credit card usage more convenient? Simply enter your credit card details in the UPI app and enjoy the convenience of having everything at your fingertips. Payments could initially be made from a bank account by linking it to UPI. However, later UPI apps started allowing users to add credit and debit cards to make payments to merchants.
This development is important to the ecosystem as we look to expand our services while increasing India’s credit penetration,” said Nalin Bansal, head of corporate and fintech relationships and key initiatives, NPCI.
As a result, you cannot use your UPI linked card to make payments to individuals (non-merchant). With the RBI and the government striving to make digital payments easier and faster than ever before, UPI payments through credit cards are a significant step forward.
By adding a credit or debit card to the UPI app, users can make payments without swiping their card at the POS machine. To make a payment, simply scan a QR code and select the added credit/debit card as a payment method. When you pay using a debit or credit card through the UPI app, a one-time password (OTP) is sent to your registered mobile number to complete the transaction. Here’s how you can make a credit or debit card payment using UPI.

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How to pay with Credit or Debit card through PhonePe app

Debit Card: How To Add Money To PhonePe Wallet


Debit card, bank card allows you to pay money at shops using it when you do not prefer to use cash. One gets the facility of discount or cashback when the payment is made by debit card. You just need to follow few very simple steps to add money to your Phone Pe Wallet. Steps are:

  • First of all open the PhonePe app on your phone.
  • Now click on My Money option.
  • You will see an option Wallet, click on it.
  • Now, click on PhonePe wallet in the section.
  • Now, enter the amount you want to add to your wallet.
  • Select the method of adding money, Debit Card/Credit Card.
  • After selecting the option, click on TopUp Option.
  • The amount of money you choose will be added to your wallet.

Credit Card: How to add money to PhonePe Wallet

Credit cards allow you to borrow money only from a pre-approved limit to pay for your purchases. Steps are:

  • First of all open the PhonePe app on your phone.
  • Now click on My Money option.
  • You will see an option Wallet, click on it.
  • Now, click on PhonePe wallet in the section.
  • Now, enter the amount you want to add to your wallet.
  • Select the method of adding money, Debit Card/Credit Card.
  • After selecting the option, click on TopUp Option.
  • The amount of money you choose will be added to your wallet.
  • This means the same process goes on with credit cards. The only difference between a debit card and a credit card is between money paid (debit) and money borrowed (credit).


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How to Pay via credit or debit card through GPay

How to Pay with Credit or Debit Card through GPay

Step-1 Open GPay on your smartphone
Step-2 Select your profile picture.
Step-3 Select Bank Accounts and Cards and then Insert a card
Step-4 Enter the card number, expiry date, CVV, and the name and billing address of the cardholder.
Step-5 You will be required to accept the issuer’s terms and conditions.
Step-6 Tap Activate next to your new card’s payment method listing.
Step-7 Enter your one-time password.

Credit Card on Google Pay – Points to note

Currently, only the following cards can be added to your Google Pay account:

  • Axis Visa Credit Card
  • Axis Visa Debit Card
  • SBI Visa Credit Card
  • SBI Visa Debit Card
  • Kotak Visa Credit Card
  • Kotak Visa Debit Card
  • hsbc visa credit card
  • hdfc visa debit card
  • hdfc visa credit card
  • IndusInd Visa Credit Card
  • IndusInd Visa Debit Card
  • Federal Visa Debit Card


Payments can be made once the card has been successfully verified. You can use your credit or debit card at NFC-enabled payment terminals, Bharat QR code-based payments at online and offline merchants, Google Pay bill payments and recharges, Myntra, Dunzo, Yatra, MagicPin, Coolwinks, EaseMyTrip, and Confirmtkt android apps, and Google Pay bill payments and recharges.android apps, and Google Pay bill payments and recharges.


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How to pay via credit or debit card through Paytm app

How to Pay with Credit or Debit Card through Paytm App

Paytm is a digital payment platform that allows people to transfer money instantly to anyone using UPI and Paytm Wallet. Paytm is owned by One97 Communications. You can digitally transfer money to anyone instantly at zero cost using Paytm Wallet.

However, you will need to enter the CVV every time you make a payment on the Paytm app. Here is a step by step guide to add debit or credit card to your Paytm account.

You can use a variety of cards on Paytm to make payments, such as Visa, MasterCard, Rupay, Amex and Diners. Also, you can add money to your Paytm wallet. When you add a credit or debit card on the Paytm app, you don’t need to enter your card details like card number and card expiry date every time you make a payment.

Step-1 Open Paytm on your smartphone.
Step-2 Go to the UPI and Payment Settings option
Step-3 Go to Saved Cards and Add a card
Step-4 Enter the card number, expiry date, CVV, and the name and billing address of the cardholder.
Step-5 You will be required to accept the issuer’s terms and conditions.
Step-6 Tap Activate next to your new card’s payment method listing.
Step-7 Enter your one-time password.
Once the card has been successfully verified, it can be used to make payments. The Paytm app accepts all debit and credit cards for payment.

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