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James Ward Research Group

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Introduction – With the increasing popularity of RuPay credit cards in India, integrating them with UPI (Unified Payments Interface) apps opens up a new world of convenience for users. Linking your RuPay credit card to apps like BHIM and Paytm allows for seamless UPI payments, making transactions quick and hassle-free.

In this Ultimate guide, we will walk you through the step-by-step process of adding a RuPay credit card to popular UPI apps, such as BHIM, Paytm, and Phonepe, empowering you to leverage the benefits of UPI payments with your RuPay credit card.

The Overview And RuPay Credit Cards Enables UPI Payments

The Reserve Bank of India has recently announced that users can now make UPI (Unified Payments Interface) payments through RuPay credit cards. This development comes as a significant boost to the growing popularity of RuPay credit cards and the UPI ecosystem in India.

Previously, UPI payments were limited to bank accounts, but with this new feature, RuPay credit cardholders can make seamless and secure payments using UPI.

By linking their RuPay credit cards to UPI apps such as BHIM, Paytm, Google Pay, and PhonePe, users can enjoy the convenience of making digital transactions without the need to carry physical cards. The process of adding a RuPay credit card to UPI payments is straightforward.

1 Step – Users need to download the UPI app of their choice,

2 Step- navigate to the payment options,

3 Step- select “Link Your RuPay Credit Cards For UPI”

4 Step- enter the necessary details to link their RuPay credit card.

Step 5 – All Set! Now, You make payments quickly at any store and any merchant.

How to Link RuPay Credit Cards in BHIM UPI

Step 1: Download BHIM: Start by installing the BHIM app from your Google Play And Apple App Store.

Step 2: Sign Up or Log In to the BHIM App: Launch the BHIM app and sign up if you are a new user, or log in if you already have an account. Provide the necessary details and complete the registration process.

Step 3: Access the Bank Accounts Section: Once you are logged in, navigate to the “Bank Accounts” section within the app. This section allows you to manage and link various payment methods, including your RuPay credit card.

Step 4: Add a New Payment Method: In the Bank Accounts section, look for the option to add a new payment method. It is typically represented by a “+” icon or an “Add Account” button. Tap on it to proceed.

Step 5: Select the “Credit Card” Option: From the available list of payment methods, select the “Credit Card” option. This will enable you to add your RuPay credit card to the BHIM app.

Step 6: Choose Your RuPay Credit Card Issuing Bank: Next, choose the bank that issued your RuPay credit card from the list of participating banks provided within the app.

Step 7: Enter the Required Card Details: Now, you will need to enter the necessary details of your RuPay credit card, including the card number, expiry date, CVV, and cardholder’s name.

Step 8: Verify and Review the Information: Once you have entered the card details, the app will likely prompt you to review the information.

Step 9: Set a UPI PIN for Your Credit Card: To secure your UPI transactions with your RuPay credit card, you will need to set a UPI PIN. Follow the on-screen instructions to create a unique and secure PIN.


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