RuPay Credit Card on UPI

Offer RuPay Credit Cards on UPI as a payment method to your customers.

Leverage the full potential of UPI Payments by integrating RuPay Credit Cards. Watch this video to know more about RuPay credit-card on UPI.

  • More touch points to make payments via their RuPay credit cards.
  • Easy to make credit card payments without the need to enter the card details and OTP for every transaction.
  • Carry out all RuPay credit card and bank account transactions without the need to carry a wallet.

Linking a RuPay credit card to the UPI is similar to linking a savings bank account or debit card to UPI.

To link a RuPay credit card to UPI, customers need to:

  1. Head over to the PSP app (BHIM, PhonePe, PayTm) on their smartphone.
  2. Tap the Add credit card option and select the bank that has issued the RuPay credit card.
  3. Enter the last six digits and validity details of their RuPay credit card.
  4. To verify, they need to enter the OTP received via SMS on the registered mobile number. Once the verification is complete, they can set up the PIN.

Their registration of RuPay credit cards on UPI will then be complete.

2. How will the customers make a UPI payment with RuPay Credit cards?

To make a payment using RuPay credit card on UPI, the user must follow these steps:

  1. Select RuPay credit card as the payment option during the UPI payment process.
  2. Enter the UPI PIN set during the earlier process of linking the RuPay credit card.

Watch Out!

To ensure a successful transaction, it is essential that the mobile number linked to the customer's UPI account is active on their smartphone and matches the mobile number linked to the credit card issued by their bank.

3. How can I identify UPI payments made using RuPay credit cards?

You can retrieve the details of the account type (bank account or credit card) used for UPI payments through the Payment Webhook, Fetch Payment API, and the Dashboard.

  1. Payment Webhook: The payment entity will now include the payer account type details. Refer to the .
  2. Fetch Payment API: The payment entity will now include the payer account type details. Refer to the .
    1. Click on a UPI payment to look at the details of the payment.
    2. The payment drawer will display the following information for Credit Card payments on UPI:
      1. Payment Method: UPI
      2. Payer Account Type: Credit card
      Image shows Credit Card payment via UPI on Dashboard

4. What is the coverage of Credit Card acceptance via UPI?

The following UPI apps support linking of RuPay credit cards to UPI:

  • BHIM
  • PhonePe
  • PayTM

In terms of bank coverage, RuPay card holders from the following issuing banks can link their credit cards to the UPI apps to make payments via RuPay credit cards on UPI:

  • Axis Bank
  • Bank of Baroda
  • Canara Bank
  • HDFC Bank
  • Indian Bank
  • Kotak Mahindra Bank
  • Punjab National Bank
  • Union Bank

5. How do I enable Credit Card transactions via UPI for my business?

Razorpay will take care of enabling this feature for you.

6. Will I be charged for Credit Cards transactions via UPI?

A Platform fee of 2.15% will be levied for all credit-card transactions via UPI.

7. Which businesses are currently not supported from accepting credit card payments on UPI?

You will not be able to accept credit card payments on UPI if you fall under the following category:

  1. Merchants on Customer fee bearer
  2. Restricted MCC codes - NPCI will not support credit card payments on the following MCC codes. Merchants with these MCC codes will not be able to accept credit card payments on UPI.
6010Financial institutions manual cash disbursements
6012Financial institutions merchandise and services
6013Cash Withdrawal ICCW
7408Lending Platform
7409Digital account openings
6011Financial institutions automated cash disbursements
6051Non-financial institutions foreign currency, money orders(not wire transfer), scrip and travellers checks
6211Securities brokers and dealers
7322Debt collection agencies
7800Government-Owned Lotteries
7801Government-Licensed On-Line Casinos (On-LineGambling)
7995Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
7802Government-Licensed Horse/Dog Racing
9406Government-Owned Lotteries (Specific Countries)
4829Wire transfers and money orders

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