RBI Allows UPI Credit Card Payment: How to Link Credit Card to Payment Apps

On Wednesday, the Reserve Bank allowed credit cards to be linked to the Unified Payments Interface (UPI), which will allow more people to make payments using the popular platform.

“It is proposed to allow credit card linking at UPI,” RBI Governor Shaktikanta Das said in announcing the regulatory measures, along with the bi-weekly policy review.


The RBI Governor said that to begin with, Rupay credit cards issued by the National Payments Corporation of India (NPCI), promoted by the RBI, will be activated with this feature, and the feature will be made available after the development of the system.

“In order to further deepen the scope and usage, it is proposed to allow linking of credit cards to UPI. To begin with, Rupay credit cards will be enabled with this facility. This arrangement is expected to provide more possibilities and convenience to customers in making payments through the UPI platform,” the RBI Governor said in a statement.

This facility would be available once development of the required system was completed. Necessary instructions will be forwarded to NPCI separately,” the RBI Governor said.

Das said the new arrangement should provide more options and convenience for customers to make payments through the UPI platform. UPI has become the most inclusive payment method in India, with over 26 crore unique users and 5 crore merchants on board on the platform, he added.

In May, 594.63 crore transactions worth Rs 10.40 lakh crore were processed through UPI, Das said. The interoperability of prepaid payment instruments (PPIs) has also made it easier for PPIs to access the UPI payment system to initiate transactions, Das said.


– You must go to the payment application.

– Then you need to click on your profile picture.

– After that go to payment methods section.

– You will see the option “Add credit/debit cards”.

– You must enter the card number, current valid, CVV, name of the card holder.

– Once this information has been entered, click on save.

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Elaine R. Knight