Step-by-Step Guide of UPI Payments with RuPay Credit Cards

A Unified Payment Interface, or UPI, is a digital payment method that has changed how we manage our money today. UPI has made our lives easy by ensuring we get instant and secure transactions directly from our smartphones. Once you combine the advantages of a RuPay Credit Card from Kotak Mahindra Bank with the versatility of UPI, you can explore various benefits.      

Using a RuPay Credit Card for UPI payment streamlines payments and comes with rewards like cashback and reward points. Whether for paying daily expenses or managing higher purchases, RuPay Credit Card UPI Payment ensures you make the most of each potential transaction.

What is UPI

It is a revolutionary system developed by the National Payments Corporation of India. It allows users to link their Bank accounts to a mobile app, allowing them to make instant payments and transfers without needing Bank details at the time of the transaction. This method is better than traditional payments because it's fast, secure, and available round-the-clock.      

Why Use RuPay Credit Cards for UPI Payments

Using RuPay Credit Cards for UPI Payments is beneficial over using debit cards, as it allows you to take advantage of the rewards system, such as cashback or reward points, which are redeemable against many offers.

This method also streamlines your financial management by consolidating more of your spending onto a card that offers purchase protection and bonuses. Whether topping up wallets, paying for groceries, or settling bills, using your RuPay Credit Card to make these payments enhances every transaction.

How to Link RuPay Credit Cards to UPI

Linking your RuPay Credit Card to UPI payment platforms is a straightforward process that can help you make payments quickly and securely. Here’s how you can set it up:

• Step 1: Choose a UPI-enabled app like PhonePe, Google Pay, or Paytm. These apps are widely used and support linking with RuPay Credit Cards.
• Step 2: Open the app and go to the "Add Payment Method" section. This section is usually found in the app's settings under 'Payments' or similar sections.
• Step 3: Select "RuPay Credit Card" from the list of available options. Enter your RuPay Credit Card details. This includes last 6 digits of your card number and expiry date
• Step 4: Set your 6-digit UPI PIN
• Step 5: Verify your card. Verification is usually done through an OTP (One-Time Password) sent to your registered mobile number. Enter the OTP to complete the setup

To get a smooth setup when linking your RuPay Credit Card to UPI, consider these helpful tips:

• Update Your Mobile Number: Ensure your mobile number is connected to your Bank. This is important, as you will receive an OTP (One-Time Password) on this number to verify your card.
• Have Your Card Ready: Keep your RuPay Credit Card within reach when setting up. You’ll need to enter specific details such as the card number and expiry date.
• Bank Support Check: Before linking your card, verify with your Bank whether your RuPay Credit Card is eligible for UPI payments.

How to Make UPI Payments Using RuPay Credit Cards

Making payments is easy once your RuPay Credit Card is linked to a UPI app. Follow these steps to complete a transaction:

• Step 1: Open your UPI app and select the recipient, you want to pay. You can choose from your saved contacts within the app, enter their UPI ID manually or scan a QR code.
• Step 2: After selecting the recipient, choose your added card as your preferred payment method. This option allows you to use the linked RuPay Credit Card for the transaction.
• Step 3: Enter the amount you wish to pay and review the details to ensure everything is correct. Confirm the payment when you’re ready.
• Step 4: Authenticate the transaction to complete the process. Depending on your  app’s supports, this can be done using a UPI PIN

Following these steps, you can use your RuPay Credit Card for UPI Payments, making the most of UPI with the benefits of credit.

Conclusion

Using your RuPay Credit Card to UPI payment method combines the benefits of both worlds— the ease of UPI and the benefits of RuPay Credit Card use. For Kotak Mahindra Bank customers, it means making the most of every transaction. You'll get added security, rewards, and flexibility. This integration simplifies financial management and enriches your spending experience. Start using your RuPay Credit Card for UPI payments today and enjoy enhanced convenience and benefits.

Disclaimer- Please note that the feature of making UPI payments on RuPay Credit Card is available only on Rupay network based RuPay Credit Cards only