The National Payments Corporation of India (NPCI) has issued new regulations for RuPay credit cards on Unified Payments Interface (UPI) services. The updates came into effect starting on March 31, 2024, and are intended to create a more user-friendly and simpler way to manage the RuPay credit card on the UPI app. 

Following is the proper guide to link your RuPay credit card to your UPI account, along with answers to some frequently asked questions (FAQs):

How can I link my RuPay Credit Card on UPI?

• Download the BHIM app from the App Store or Google Play store. 
• Complete the registration process and select credit card as an option
• Select your issuing bank name from the list
• Verify your registered mobile number with the bank, after the masked credit card numbers will appear on the screen
• Select the card you want to link to your UPI
• Once selected, confirm your choice
• Finally, create a UPI PIN to authorise your UPI payments

Which apps have been enabled for linking Credit Card on UPI?

Currently, on BHIM, PhonePe, GPay, PayZapp, GoKIWI, Slice, Paytm, MobiKwik, BHIM PNB, Canara Ai1, Groww, Cred, ICICIiMobile, Jupiter, Samsung Wallet, Navi, Sriram Finance, FreeCharge, Amazon Pay, Fino Pay, Niyo Global, YesPay Next, Jio Finance and Union Bank of India (Vyom) users can link their credit cards on UPI. 

Which banks are currently live for Credit Card on UPI? 

Currently, 16 banks are live to link RuPay Credit Card on UPI: Punjab National Bank, Union Bank, Indian Bank, HDFC Bank, Canara Bank, Axis Bank, Kotak Mahindra Bank, BOB Financial Ltd, SBI Cards, ICIC Bank, AU Small Finance Bank, IDFC Bank, Federal Bank, Catholic Syrian Bank, IndusInd Bank, Yes Bank

Can I change my UPI PIN?

Yes, you can change the UPI PIN by going to the menu and opting for the 'Change UPI PIN' option. 

Will I have to set UPI PIN or I can authenticate Credit Card transactions using Card pin?

No, you have to generate a new UPI PIN to authenticate your transactions. 

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