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What is a UPI Credit Card?
Posted on Wednesday, July 31st, 2024 | By IndusInd Bank
Among the safest and most convenient payment methods, many would put credit cards and UPI (Unified Payments Interface) at the top of the list.
But did you know now you can enjoy UPI transactions with the benefits of a credit card? The UPI credit card is a recent innovation, which combines the benefits of UPI’s seamless payment system with the advantages of a credit card. Let’s learn more about what a UPI credit card is, its benefits, and more.
Understanding UPI Credit Cards
- A UPI credit card allows users to link their credit card to a UPI app, which enables them to make UPI transactions from their credit card.
- This removes the need to carry a physical card or enter card details for each transaction.
- Once linked, it allows users to make payments using their credit card via the UPI interface.
- When you pay using UPI, the amount gets charged to your credit card instead of your bank account.
- This process simplifies the payment process for the customer and adds a new level of security.
Benefits of Using UPI Credit Cards
Now that you understand how a UPI credit card works, let’s look at the benefits it provides:
1. Convenience
UPI credit cards offer the convenience of making transactions with no physical cards or entering card details.
2. Increased Spending Power
You can make larger purchases or manage unexpected expenses using your credit limit, even via UPI.
3. Rewards and Benefits
Users can earn rewards, cashback, and other benefits associated with their credit card while using UPI for payments.
4. Instant Payments
With a UPI credit card, one can enjoy real-time transaction processing and ensure that payments got through right away.
5. Wide Acceptance
From metro supermarkets to even the smallest of village shops, UPI is accepted across India. So, users can make payments at a variety of merchants and service providers with their credit card-linked UPI account.
Looking to enjoy the benefits of a UPI credit card? IndusInd Bank has the perfect offering for you.
IndusInd Bank Platinum RuPay Credit Card – For UPI Transactions
Designed to simplify your digital payment experience, the IndusInd Bank Platinum RuPay Credit Card offers the following benefits:
- 2 reward points for every ₹100 transaction done through UPI.
- 1 reward points for non-UPI transactions.
- 1% fuel surcharge waiver
- Travel insurance coverage, and more.
How to Link Your IndusInd Bank Platinum RuPay Credit Card with UPI
- Open your UPI app.
- Click ‘Add Credit Card/Link Credit Card’.
- Choose the Credit Card Issuer Bank (IndusInd Bank).
- Select your IndusInd Bank Platinum RuPay Credit Card.
- Generate UPI PIN as prompted.
If you have not registered yourself on any UPI app yet, download the UPI app from the Play Store/App Store. Then, verify your mobile number via OTP, and continue from Step 2.
To set UPI PIN:
- Select the ‘Generate PIN’ option, and then select ‘Platinum RuPay Credit Card’.
- Enter the last 6 digits and expiry date of your Platinum RuPay Credit Card.
- Enter the OTP received on your phone.
- Set the PIN of your choice.
What’s more? The IndusInd Bank Platinum RuPay Credit Card is a lifetime-free card. So, if you are looking for a credit card free from annual or joining fees, then apply now!
Also Read: How To Get a Lifetime Free Credit Card With No Annual Fee In India
Conclusion
A UPI credit card can offer convenience, security, and a host of benefits for users. By knowing how a UPI credit card works, you can enjoy seamless transactions and make the most of your credit card’s rewards and features.
Ready to experience the convenience and benefits of a UPI credit card? Apply Now for a Credit Card 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.
