How to Link RuPay Credit Card and UPI for Hassle-Free Transactions

As digital payments gain momentum in India, the RuPay credit card and UPI (Unified Payments Interface) have emerged as popular options for cashless transactions. However, many users need clarification about the charges and transaction limits associated with these payment methods and how to link them to their bank accounts. In this article, we will guide you on how to link RuPay credit card and UPI and understand the transaction limits and charges imposed by various banks.

RuPay credit card, issued by the National Payments Corporation of India (NPCI), is a domestic credit card that offers benefits like cashback, rewards, and discounts. On the other hand, UPI is a real-time interbank payment system that instantly facilitates interbank transactions using a mobile phone. Linking your RuPay credit card and UPI can enable you to make seamless online and offline transactions without needing physical cash.

To link your RuPay credit card and UPI, follow these simple steps: 

Step 1 – Install and open the UPI-enabled mobile app of your bank or any other UPI-enabled app from the app store.

Step 2 – Select the “Add/Link/Manage Bank Account” option and choose your bank from the list of available banks.

Step 3 – Enter your RuPay credit card details, including the card number, expiry date, and CVV.

Step 4 – Create a UPI ID (also known as VPA or Virtual Payment Address) of your choice, serving as your unique UPI address for transactions.

Step 5 – Set a UPI PIN, a 4- or 6-digit password for authorizing UPI transactions.

Step 6 – Complete the linking process by verifying your RuPay credit card details and UPI PIN.

Once your RuPay credit card and UPI are linked, you can start making transactions seamlessly. However, it’s important to be aware of the transaction limits and charges imposed by your bank to avoid any surprises.

Here are some examples of Transaction limits and charges for RuPay credit card and UPI transactions that vary among banks.

1. HDFC Bank: HDFC Bank allows a maximum of 10 transactions per day with a transaction limit of Rs 5,000 per transaction for UPI transactions. There are no charges for linking the RuPay credit card and UPI.
2. Punjab National Bank (PNB): PNB allows a maximum of 10 transactions per day with a transaction limit of Rs 5,000 per transaction for UPI transactions. There are no charges for linking the RuPay credit card and UPI.
3. Union Bank of India: Union Bank of India allows a maximum of 20 transactions per day with a transaction limit of Rs 10,000 per transaction for UPI transactions. There are no charges for linking the RuPay credit card and UPI.
4. Axis Bank: Axis Bank allows a maximum of 10 transactions per day with a transaction limit of Rs 5,000 per transaction for UPI transactions. There are no charges for linking the RuPay credit card and UPI.

It’s important to note that these transaction limits and charges are subject to change, and it’s advisable to check with your bank for the most updated information.

In conclusion, linking your RuPay credit card and UPI can provide a convenient and secure way to make cashless transactions. By following the simple steps mentioned above and being aware of the transaction limits and charges imposed by your bank, you can enjoy hassle-free digital payments and contribute to the growing trend of a cashless economy in India.