How to get UPI credit cards?

Introduction

Till yet, you can’t make UPI credit card payments, but now it is possible to add credit cards to UPI apps. Technology nowadays allows you to carry credit cards on your phone, and now you can make contact-less Pay online. Following are the steps to add credit cards to UPI apps, like Google Pay, Paytm, and PhonePe; see here how to get UPI credit cards?

A UPI credit card, or Unified Payment Interface (UPI) credit card, is just like any other credit card, except it’s run through the United Payments Interface (UPI) system. UPI cards allow you to transfer money to other bank accounts just as you would on any other debit or credit card, but this transaction will be instant and free of charge as long as you use UPI as your payment method instead of NEFT/RTGS. Here’s how to get UPI credit cards? and learn everything you need to know in order to use it properly and safely.

How to Link Credit Card with PhonePe

The first step is downloading the PhonePe app from the Google Play Store. Once you have installed the app, open it and sign up for an account. You need to provide your name, email address, and phone number. To create a password, enter a pin code of your choice and verify that this was correct by entering it again. If all details are correct, click on Confirm Account.

  • Go to the PhonePe mobile app.
  • View ‘All Payment Instruments.’
  • Click on ‘Add New’ or Add Card’ in the ‘Payment Instruments’ section.
  • Enter your Card Number, CVV number, and its validity.
  • Then you will receive the OTP on your register number
  • Enter the OTP that you received on your registered mobile number.
  • Click on ‘Confirm.’
  •  Go to your Account and click Payment Method.

How to add a credit card to Google Pay

  • Open Google Pay and go to profile.
  • Either click on Pay businesses or click on Set up payment methods and select Add credit or debit cards.
  • Click Proceed to continue.
  • You can scan your card or choose Enter details manually.
  • Need to Add expiry date and CVV.
  • Click on Save.
  • Then click on Accept & continue.
  • Then you will receive the OTP on your register number
  • Enter that OTP and confirm, and you are get connected
  •  You can use your card on mobile, desktop, or web. So you are all set now! Enjoy !!!

How to add a credit card to Paytm

  • Click to open Paytm and go to your profile.
  • Click on the Payment Settings.
  • Now, click on Saved Cards.
  • Click on Add New Card.
  • Window will open that showing Paytm will be deducting Rs. 2 to confirm your card, and it will be refunded in 2 days.
  • Click on Proceed to continue.
  • Enter card details
  • Click on ‘save the card.’
  • You will get a message saying The card has been saved successfully.
  • Click to Pay Rs. 2.
  • Now you will receive the OTP on your registration number.
  • After that, enter the OTP.
  • Click on Pay.

How to make payments through credit card using UPI apps

You can use your credit card to pay through any UPI apps like Google Pay, PhonePe, BHIM, etc. For this, you will first need to link your credit card with the app. Once you have linked your credit card, you can select it as the payment method while making a payment. Enter amount you need to pay and select your credit card as the payment method. You will then be asked to enter your CVV number and expiry date.

Ensure that you enter the same details that are on your credit card statement. The message will pop up to add a pass code in order to verify transactions. It is important that you to do not share this pass code with anyone else and keep it safe.

Now you have successfully added the credit card to UPI apps; now you need to know how to pay from UPI using credit cards. Here you follow:

Google Pay

You can pay bills, EMI’s, and recharge, but you can not send money to a person or to the bank account by this credit card.

To make payment:
  1. Scan QR code
  2. Enter the amount
  3. Select the credit card
  4. and proceed to pay

PhonePe

Like Gray, Phonepe also can not send money to any person or bank account while using a credit card; you can pay bills, recharge your mobile, and pay EMI’s using Phonepe.

To make payment:
  1. Scan for QR code
  2. Enter the bill amount
  3. Select the credit card and enter the CVV no
  4. and proceed to pay

Paytm

Like Gray and Phonepe, Paytm also can not send money to any person or bank account while using a credit card; you can pay bills, recharge your mobile, and pay EMI.

To make payments
  1. Click to Open Paytm
  2. Click on Paytm Wallet in My Paytm.
  3. Enter the amount
  4. Click on Proceed
  5. Select credit card and enter the CVV number, and click on Pay.

Conclusion

You can see here to read how to get UPI credit cards? by following a few simple steps. First, find a credit card issuer that offers UPI cards. Second, apply for the card, and be sure to include your UPI information. Third, use your credit card at a merchant that accepts UPI payments. Fourth, enter your PIN when prompted. Fifth, confirm the payment, and you’re done!

If you have trouble using your card, contact your bank or credit card issuer for assistance. In addition, if you notice suspicious charges on your statement, report them immediately and close out that credit card account. Don’t ignore problems with your UPI credit card because they can lead to bigger financial problems later.

In addition, you may want to take advantage of overdraft protection on your credit card. Overdraft protection transfers money from a linked account into your credit card when you spend more than you have available.

If you do not have an emergency fund or line of credit, consider opening one before applying for a credit card with overdraft protection. Remember that fees can offset any benefit if your charges ever get too high.

 

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