UPI has already changed how people in India handle daily payments. From quick grocery purchases to bill settlements, it offers speed, simplicity, and reliability. With the introduction of credit on UPI, this ecosystem has become even more flexible. Users can now link their credit cards to it and make merchant payments without relying solely on their bank balance. This feature brings together the convenience and the benefits of credit, all within a familiar digital experience.
What Does Credit on UPI Mean?
Credit on UPI allows users to make payments using a linked credit card instead of a savings account. Once connected, the credit card appears as a payment option within the app. The transaction process remains the same: scan a QR code, enter the amount, and authorise the payment securely.
This feature is designed specifically for merchant transactions, both online and offline. It does not support peer-to-peer transfers. A reliable new UPI payment app ensures that users can access this functionality easily while continuing to enjoy the speed and simplicity that define the digital payment method.
Linking a Credit Card to Your UPI App
Linking a RuPay credit card to a UPI-enabled app is a straightforward digital process. Users can add their card through the payment methods section of the app. After selecting the issuing bank, the card is verified with a one-time password, then a dedicated PIN is set for credit-based payments.
Once linked, the credit card becomes available for QR-based merchant payments. This enables fully cashless transactions without the need to carry a physical card, making payments more convenient and secure.
How to Use Your UPI With a Credit Card?
Using a credit card through UPI follows a familiar and intuitive flow:
- Open a trusted UPI-enabled app on your phone.
- Go to your profile or payment methods section.
- Add a RuPay credit card and complete verification.
- Set a PIN for authorising transactions.
- Scan any merchant QR code.
- Enter the payment amount and select the linked credit card.
- Confirm the transaction using your PIN.
Once set up, payments can be completed in seconds using the same interface you already use for regular UPI transactions.
Key Details and Benefits to Know
Credit-enabled UPI payments come with several important points that users should understand:
- Only RuPay credit cards are currently supported for these transactions.
- Payments can be made only to merchants and not to individual contacts.
- Credit card reward points continue to apply to eligible transactions.
- Transactions are secured with a UPI PIN, reducing the risk of fraud.
- Timely repayment of the credit card bill is essential to avoid interest or charges.
These features make UPI-based credit both flexible and responsible when used wisely.
Where Credit on UPI Fits Best?
Credit on UPI works well for everyday merchant payments such as retail shopping, dining, subscriptions, and bill payments. It offers flexibility during cash flow gaps while keeping the payment experience fast and familiar. With transaction records available instantly, users can track spending and manage expenses more efficiently.
Using a dependable new UPI payment app helps centralise all transactions in one place, improving visibility and control.
Role of UPI Lite in the Payment Ecosystem
While credit on this digital payment method adds flexibility, its Lite version enhances speed for routine, low-value payments by using a stored balance. A UPI Lite payment app reduces dependence on bank connectivity and ensures smoother transactions during peak usage times. Together, UPI and Lite create a balanced system for both planned and everyday payments.
Conclusion
Credit on UPI represents a meaningful step forward in digital payments, combining the convenience of credit cards with the UPI speed. It allows users to pay merchants securely while maintaining a familiar payment flow.
Bajaj Finserv UPI and Lite solutions bring together essential features such as scanning any QR code, paying contacts, checking balances, reviewing payment history, and paying bills. With a user-friendly interface and a secure transaction framework, Bajaj Finserv makes managing digital payments smarter, more flexible, and effortless.