Enjoy UPI Flexibility with Your RuPay Credit Card

Posted on Monday, November 11th, 2024 | By IndusInd Bank

Thanks to the United Payments Interface (UPI), making payments is now easier than ever. All you need to do is scan a QR or enter a mobile number, input the amount and your PIN, and confirm. The payment will be completed in mere seconds!

To add a new level of convenience to UPI payments, you can link your credit card with UPI now. With the IndusInd Bank Platinum RuPay Credit Card, users can now enjoy the convenience of UPI payments with the benefits of credit card. This makes it easier to manage expenses, earn rewards, and enjoy seamless and flexible digital payments. Let’s learn more about it. 

How Does the RuPay UPI Credit Card Work?

• A RuPay UPI Credit Card allows users to make UPI transactions directly from their credit card. 

• The process is similar to using a debit card on UPI. You can link the card to your UPI account and make payments as you would otherwise. However, instead of debiting from your bank account, the amount is added to your credit card balance.

• Since you are using a credit card, you may also enjoy reward points on your transactions. 

• The IndusInd Bank Platinum RuPay Credit Card offers 2 reward points for every ₹100 spent via UPI and 1 reward point for non-UPI transactions.

• This means you can use UPI for everyday transactions like groceries, dining, and more. Also, you can earn rewards on your purchases.

• In addition, the IndusInd Bank Platinum RuPay Credit Cardalso offers a fuel surcharge waiver feature. This can help users save 1% on fuel transactions across India. 

How to Link the IndusInd Bank Platinum RuPay Credit Card with Your UPI?

Follow these steps to link your IndusInd Bank Platinum RuPay Credit Card with your UPI account: 

1. Open your UPI App

Launch your preferred UPI-enabled app.

2. Add Your Credit Card

Select the option to ‘Add Credit Card’ or ‘Link Credit Card’ from the app menu.

3. Choose IndusInd Bank

When prompted to choose the card issuer, select ‘IndusInd Bank’. 

4. Enter Credit Card Details

Provide the required information. This might include entering the last six digits of your UPI RuPay Credit Card and its expiry date.

5. Set UPI PIN

You will receive an OTP on your registered mobile number. Enter the OTP and set your UPI PIN for the credit card.

Once set, you can now make UPI payments with your RuPay Credit Card by scanning a merchant QR code or entering their UPI ID. Simply select your credit card as the payment method, enter your UPI PIN, and complete the transaction.

Benefits of Linking Your Credit Card with UPI

By linking your RuPay Credit Card to UPI, you can enjoy a variety of benefits:

1. Earn Rewards on UPI Transactions

The IndusInd Bank Platinum RuPay Credit Card allows you to earn 2 reward points for every ₹100 spent through UPI transactions. This means you can accumulate rewards even on small, everyday expenses.

2. Ease of Payments

You can make UPI payments with a RuPay Credit Card at any merchant that accepts UPI. This removes the need to carry cash or multiple cards, making payments convenient.

3. Increasing UPI Acceptance

UPI is one of the most widely accepted payment methods in India at the moment. And it is only going to become more popular. By making UPI payments with your RuPay Credit Card, you can partake in this UPI revolution. Whether you are paying at local stores, restaurants, or for online services, your UPI-enabled credit card will make it easy for you. 

4. Fuel Surcharge Waiver

With 1% fuel surcharge waived at petrol pumps across India, the IndusInd Bank Platinum RuPay Credit Card is perfect for frequent drivers. Enjoy convenience and savings in one go!

5. Consolidated Finances

Linking your credit card to UPI consolidates your spending under one account.  Your credit card statement will reflect all your UPI and credit card payments. This can make it easier to track expenses and manage finances.

6. Increased Transaction Limits

Usually, credit cards have higher spending limits compared to bank accounts. Hence, a UPI RuPay Credit Card can allow you to make larger purchases via UPI. You need not worry about overdrafts or low-balance notifications.

Also Read: First-Time Credit Card Applicant- 10 Things to Know Before Applying for Your First Credit Card

Conclusion

The IndusInd Bank Platinum RuPay Credit Card offers a unique way to manage your daily transactions. It combines the flexibility of UPI with the exciting benefits of IndusInd Bank Credit Cards.

With easy setup, exciting rewards, and widespread UPI acceptance, it is perfect for users who want convenience and value in one package.

Apply for IndusInd Bank Platinum RuPay Credit Card and start enjoying seamless UPI transactions today!

Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.