Frequently Asked Questions

• Will I have to set UPI Pin or I can authenticate credit card transactions using Card pin?
  Yes, you will have to setup UPI Pin to authenticate a UPI transaction.
• Can I change my UPI Pin?
  Yes, you can change your UPI pin of your respective RuPay Credit Card.
• How can I make payment to a retail offline merchant using IndusInd Bank Rupay Credit Card on UPI?
  Please follow the below steps for making the payment:
  Step 1: Open your UPI app
  Step 2: Scan the Merchant QR code
  Step 3: Enter the payment amount
  Step 4: Select IndusInd Bank RuPay Credit Card from the drop-down menu
  Step 5: Confirm the payment by entering UPI Pin.
  Payment confirmation will be displayed, once the payment is done.
  
• How can I make payment online using IndusInd Bank RuPay Credit Card on UPI?
  Please follow the below steps for making the payment:
  Step 1: Select UPI as payment mode at merchant website /app checkout page
  Step 2: Login into UPI app
  Step 3: Select IndusInd Bank RuPay Credit Card from the drop-down menu
  Step 4: Confirm the payment using UPI Pin.
  Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.
  
• What if I change my mobile number, how can I link my IndusInd Bank RuPay Credit Card on UPI app?
  If you have changed your mobile number, kindly update the same for your IndusInd Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.
• Can I make payment to any person or other credit card using the linked credit card on UPI?
  No, only payment to merchants will be allowed from the linked credit card.
• Will I be able to setup an SI (Standing Instructions) on RuPay Credit Card?
  No, currently setting up of SI cannot be done through credit card on UPI.
• Will credit card on UPI be available on IndusMobile & INDIE for linking?
  No, credit card on UPI will not be available on IndusMobile & INDIE, it will work only on third party UPI apps like BHIM, PhonePe, Paytm, Google Pay,etc.
• What are the number of transactions allowed from linked credit card on UPI?
  There is no limit on the number of transactions for credit card on UPI.
• What are the restricted merchant transactions on which customer won’t be able to make payment using IndusInd Bank Rupay Credit Card on UPI?
  Following are the restricted transactions – peer-to-peer (P2P), digital account opening, lending platform, cash withdrawal at merchants, cash withdrawal at ATM, e-RUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other transactions as restricted by IndusInd Bank from time to time. Credit card transactions on UPI will only work within India and not on any merchant outside India.
• Is there any limit on the value of transactions that can be carried out from the linked credit card on UPI?
  Yes, there is a limit of Rs. 1 lakh per card per day. However, for following merchant categories – Direct marketing, Insurance (5960) , Insurance Sales, Underwriting, Premiums and other similar services (6300) & Remote stored value load financial institution (6529) the limit is Rs. 2 lakhs per card per day subject to the available credit limit on your credit card. Note - Amount limit per card per day is Rs.5,000 for first 24 hrs of linking the card in UPI app
• Can I make my linked credit card as default account to receive funds?
  No, funds cannot be received on linked credit card on UPI.
• Can UPI transactions on RuPay Credit Card be done through scanning international QR codes?
  No, UPI transactions cannot be carried out through RuPay Credit Card by scanning international QR codes.
• Do I need to enable card controls on IndusInd Bank RuPay Credit Card to use for online or contactless transactions?
  Yes, customer needs to enable IndusInd Bank credit card controls for online, contactless and international transactions.
• If my IndusInd Bank RuPay Credit Card is renewed, do I need to link it again in UPI?
  Yes, if your IndusInd Bank RuPay Credit Card is renewed/replaced, you need to re-register and link it on the UPI App.
• Where can I see my IndusInd Bank RuPay Credit Card UPI transactions?
  IndusInd Bank credit card UPI transactions can be viewed in your monthly credit card statements.

For more details on RuPay Credit Card on UPI refer NPCI website
https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi/faqs