Can Credit Cards Be Linked to UPI in India (2025)? Full Guide
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Indialends, 25 Jun 2025

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Can Credit Cards Be Linked to UPI in India? | What You Need to Know in 2025

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Introduction: India’s UPI + Credit Card Revolution Has Begun 

In 2022, the NPCI (National Payments Corporation of India) announced that RuPay credit cards can be linked to UPI apps like PhonePe, Google Pay, BHIM, and Paytm. 
Fast forward to 2025, and millions of users in India now pay using credit cards via UPI—merging the power of rewards and instant payments. 

So, if you're asking: 
"Can I link my credit card to UPI?" 
The answer is: Yes, but only specific cards. 

 

Who Can Link Their Credit Card to UPI? 

As of June 2025, only RuPay credit cards issued by participating banks can be linked to UPI. 
Visa and Mastercard credit cards are currently not supported. 

 

UPI-Compatible Credit Cards (Available on IndiaLends) 

Here are some of the top RuPay credit cards you can link to UPI, and apply directly through IndiaLends: 

1. SBI SimplySAVE RuPay Credit Card 

  • Annual Fee: ₹499 (Reversed on ₹1 lakh annual spend) 

  • UPI Compatibility: Yes (Google Pay, PhonePe, Paytm, BHIM) 

  • Reward Structure: 

  • 10X Reward Points on Dining, Movies, Departmental Stores & Grocery 

  • 1 Reward Point per ₹100 on all other spends 

  • Interest-Free Period: Up to 50 days 

  • Add-on Features: Contactless payments, global acceptance 

  • Best For: Everyday spenders looking to earn rewards via UPI transactions 

 

2. Axis Bank Select RuPay Credit Card 

  • Annual Fee: ₹3,000 

  • UPI Compatibility: Yes (All major UPI apps) 

  • Key Benefits: 

  • Complimentary access to domestic airport lounges (8/year) 

  • 20% discount on dining via Axis Dining Delights 

  • 6 Reward Points per ₹200 on retail shopping 

  • Welcome Bonus: ₹2,000 worth vouchers on first spend 

  • Best For: Premium shoppers & frequent flyers who prefer UPI-based rewards 

 

3. PNB RuPay Platinum Credit Card 

  • Annual Fee: ₹500 (First year waived on ₹20,000 spend) 

  • UPI Compatibility: Yes (Supported by all UPI apps) 

  • Rewards & Perks: 

  • 2 Reward Points per ₹150 

  • Personal accident cover of ₹2 lakh 

  • Fuel surcharge waiver at all fuel stations 

  • Best For: Budget-conscious users seeking basic UPI-linked credit benefits 

 

4. Union Bank RuPay Credit Card 

  • Annual Fee: ₹499 

  • UPI Compatibility: Yes 

  • Features: 

  • Reward points on grocery, fuel, utility payments 

  • Accepted at all RuPay-enabled merchants + UPI QR codes 

  • Complimentary insurance benefits 

  • Best For: Government employees, Tier-II city users, and those new to credit 

 

5. Indian Bank RuPay Credit Card 

  • Annual Fee: Starts from ₹499 

  • UPI Compatibility: Yes 

  • Unique Benefits: 

  • Dual interface: chip + contactless 

  • Reward program for retail & online shopping 

  • Integration with UPI apps for seamless merchant payments 

  • Best For: Salaried professionals and young users preferring digital payments 

Quick Comparison Table: UPI-Compatible Credit Cards (via IndiaLends) 

Card Name 

Annual Fee 

UPI Apps Supported 

Rewards on UPI 

Ideal For 

Apply Now Link 

SBI SimplySAVE RuPay 

₹499 

Google Pay, PhonePe, Paytm 

10X on select spends 

Everyday shoppers 

Apply Now 

Axis Select RuPay 

₹3,000 

All major UPI apps 

6 RP/₹200 

Premium users, lifestyle spends 

Apply Now 

PNB RuPay Platinum 

₹500 

All UPI apps 

2 RP/₹150 

Budget-conscious users 

Apply Now 

Union Bank RuPay 

₹499 

BHIM, Paytm, Google Pay 

Varies by category 

Govt employees, conservative users 

Apply Now 

Indian Bank RuPay 

₹499+ 

All UPI apps 

Retail/online shopping rewards 

Salaried and first-time users 

Apply Now 

 

 

Why These Cards Matter 

All of the above cards offer: 

  • Seamless UPI integration (merchant payments only) 

  • Earned rewards or cashback on spends via UPI QR codes 

  • Better tracking, transparency, and no need to carry physical cards 

  • Flexibility to switch between UPI (credit) and direct bank UPI 

Pro tip: Use these cards at fuel stations, retail stores, restaurants, and online shops that accept UPI QR payments to maximize your card rewards. 

 

How to Link Your RuPay Credit Card to UPI 

Follow these steps to link your RuPay credit card to UPI: 

  1. Open your UPI app (Google Pay, PhonePe, Paytm, BHIM) 

  1. Go to “Link Credit Card” under the payment methods section 

  1. Choose RuPay Credit Card 

  1. Select your issuing bank 

  1. Authenticate via OTP 

  1. Start using it for payments at supported merchants 



Note: You can use your credit card only at merchant QR codes, not for P2P transfers (e.g., sending money to a friend). 

 

Use Cases: Where You Can Use Credit Card on UPI 

Payment Type 

Supported? 

Merchant QR Code 

Yes ✅ 

E-commerce Checkout 

Yes ✅ 

Peer-to-peer (P2P) 

No ❌ 

Paying Bills 

Yes ✅ 

Rent/School Fees 

Yes (via apps) 

 

UPI with Credit Card: Pros and Cons 

Pros 

Cons 

Earn rewards on UPI merchant transactions 

Only RuPay credit cards supported as of now 

Use credit for UPI without bank account debit 

Not allowed for person-to-person payments 

Faster, secure, cashless experience 

Limited bank/card support (growing rapidly) 

Better tracking via UPI apps 

No EMI option directly through UPI apps 

 

Banks Supporting Credit Card-UPI Linking (2025) 

As per NPCI, these banks support UPI linkage with their RuPay credit cards: 

  • State Bank of India (SBI) 

  • Punjab National Bank (PNB) 

  • Union Bank of India 

  • Axis Bank 

  • Indian Bank 

  • Bank of Baroda 

  • Canara Bank 

  • HDFC Bank (select rollout) 



You can check UPI card support via your UPI app or bank SMS/email updates. 

 

Tips to Use UPI with Credit Card Smartly 

  • Track spends and set limits via UPI app 

  • Use at big merchants, groceries, petrol pumps for rewards 

  • Pay full bill before due date to avoid interest 

  • Combine with offers on UPI apps (cashback, discounts) 

Need help understanding your credit card billing cycle? 
Read: How Credit Card Billing Cycle Works 

 

FAQs: UPI with Credit Cards in India 

Q1: Can Visa or Mastercard credit cards be used on UPI? 
→ No. Only RuPay credit cards are currently allowed under NPCI guidelines. 

Q2: Can I send money to a friend using a credit card via UPI? 
→ No. UPI with credit cards only works for merchant QR code payments. 

Q3: Will I earn reward points if I use credit card on UPI? 
→ Yes, most banks allow reward points on UPI merchant payments. 

Q4: Is it safe to link a credit card to UPI? 
→ Yes. UPI is regulated by RBI and NPCI with end-to-end encryption and 2FA. 

 

Final Word: UPI + Credit Card = Smart Spending 

If you're already using UPI for daily purchases, linking your RuPay credit card can help you: 

  • Earn reward points 

  • Extend your credit cycle 

  • Avoid debit from your bank account 

Check your eligibility and apply for UPI-ready RuPay credit cards today on IndiaLends. 

Browse & Apply RuPay Credit Cards 

 

Internal Links Summary: 

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