What is the UPI Transaction Limit on RuPay Credit Card?

Posted on Thursday, September 19th, 2024 | By IndusInd Bank

Among the many ways that UPI (Unified Payments Interface) has transformed the way people transact, one of them is the feature to make UPI payments from credit cards. By linking your RuPay credit cardto your UPI, you can pay directly to merchants without having to physically carry your credit card.   

However, there are specific limits to using RuPay credit cards via UPI. Understanding the RuPay credit card limit is crucial for making the most of the benefits of your credit card.

Understanding UPI Transaction Limits on RuPay Credit Card

• When using a RuPay credit card for UPI payments, there are daily transaction limits that users must know. 

• These limits help to protect users from fraudulent activities and to ensure secure transactions. 

• As per NPCI (National Payments Corporation of India), the UPI transaction limit for RuPay credit cards is set at ₹1 lakh per day. This means that you can make UPI payments using your RuPay credit card up to ₹1 lakh in a single day.

• In some cases, the RuPay credit card UPI limit can be extended to ₹2 lakhs per day for specific Merchant Category Codes (MCCs).

• However, it is essential to note that the UPI transactions are also subject to the available credit limit on your RuPay credit card limit. For instance, if your credit limit is ₹50,000, you cannot exceed this amount, even if the UPI daily limit is ₹1 lakh.

• It is also advisable to check with your bank regarding the specific UPI transaction limits applicable to your RuPay credit card. 

Are you wondering how to use your UPI app for credit card transactions? It starts with linking your credit card to UPI. With the IndusInd Bank Platinum RuPay Credit Card, the process is easy, swift, and secure. 

How to Link Your RuPay Credit Card with UPI?

Here’s how to link your RuPay credit cardwith UPI:

1. Download and open a UPI-enabled app. Register on the app by linking your bank account and setting up a UPI ID.

2. Navigate to the ‘Add/Link Credit Card’ option within the app. 

3. Select ‘IndusInd Bank’ as the ‘Credit Card Issuer Bank’.

4. Select IndusInd Bank Platinum RuPay Credit Card.

5. Enter card details, such as the credit card number, expiry date, and CVV. After entering these details, you will receive an OTP (One-Time Password) on your registered mobile number.

6. Verify the OTP to set a UPI PIN for your RuPay credit card.

Benefits of UPI Transactions via Credit Card

Using a RuPay credit card for UPI transactions comes with a range of benefits:

1. Ease of Use

You can easily carry out UPI transactions via your RuPay credit card in just a few clicks. There is no need to carry cash or your physical credit card.

2. Wide Acceptance

UPI has wide acceptance amongst lakhs of merchants across India, both online and offline. You can make payments almost anywhere by linking your RuPay credit card to UPI. 

3. Reward Points

A major benefit of using your RuPay credit cardthrough UPI is the ability to earn reward points. Each time you make a payment via UPI, you can accumulate reward points. 

With the IndusInd Bank Platinum RuPay Credit Card, you can earn 2 reward points for every ₹100 on UPI transactions, and 1 reward point on non-UPI transactions. 

4. Secure Transactions

UPI transactions are secure because of multiple layers of encryption and authentication. This ensures your transactions are safe.

5. Real-time Tracking

UPI apps provide real-time tracking of your transactions. This makes it easier to monitor your spending and stay within your budget.

6. Interest-free Period

When you use your RuPay credit card via UPI, you may still enjoy the interest-free period offered by your bank. This allows you to defer payments without incurring interest. However, you must pay off the balance in full by the due date to enjoy this benefit. 

Also Read: How to Check the Credit Card Due Date?

Conclusion

Understanding the RuPay credit card UPI limit allows you to enjoy seamless transactions and make the right payment decisions. Whether it is earning reward points, enjoying seamless transactions, or managing your expenses, using your RuPay credit card through UPI is a smart financial choice. 

If you are looking to explore these benefits further, consider the IndusInd Bank Platinum RuPay Credit Card. Along with reward points, also enjoy travel insurance coverage, fuel surcharge waiver, protection against loss/ theft of card, and more. 

Apply now for an IndusInd Bank Credit Card! 

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.