Pay Bill with UPI Through Credit Card- Step by Step Guide: In the year 2023, the Reserve Bank of India (RBI) had announced that it would give customers the option of making credit card payments through UPI. So that, people can use credit cards to make payments through UPI. UPI initially allowed customers to use only bank accounts ie netbanking. Users can make payment using their bank account. Now under the new service, users have been given the facility to make credit card payments. That is, customers have to scan the QR code of the merchant and pay using a credit card.
How to use credit card to pay on UPI
- First download the BHIM app on your Android or iOS smartphone.
- Sign up or login to the app.
- Click on the Bank Account section on the top.
- Then click on the plus button below.
- Now click on Credit Card.
- Select your credit card issuing bank.
- The app will tell you whether your credit card or that bank’s credit card is still valid on the BHIM app or not.
- Save the important information of your card. Now your card will be added.
- Enter the required details and your card will be linked.
You can only add credit cards of these banks – here is the list
- HDFC bank
- Indian Bank
- Punjab National Bank
- Union Bank
UPI PIN has to be set
You need to set a 4 digit or 6 digit UPI PIN to use your credit card on the BHIM app. You can set up a PIN or change it from the app itself. While you can add a credit card on the BHIM app, you can now use it for merchant payments.