Have you needed help deciding whether to use your credit card or UPI app when paying at stores? The dilemma of picking between reward points and payment convenience is real. But what if you could enjoy the perks of both worlds in a single tap? Sounds great?

Leading financial institutions are now offering UPI-enabled credit cards, giving consumers this convenient payment functionality.

With your credit card linked to a UPI handle, you can earn points, cashback, and lounge access while quickly paying via UPI.

Please read this blog to understand these game-changing cards and how to apply them to unlock their full potential in under 5 minutes.

What is a UPI-Enabled Credit Card?

A UPI-enabled credit card allows you to make payments directly from UPI apps using your credit card. It is linked to a Virtual Payment Address (VPA), just like your bank account.

When you pay using your VPA, the amount is deducted from your credit limit instead of your savings account. Thus, you enjoy the rewards and perks of your credit card and the ease of use of UPI.

For instance, IDFC FIRST Bank offers this facility with its Digital RuPay Credit Card. This card lets you earn 3X reward points on all UPI transactions, combining the best payment worlds.

If you’re looking for flexibility, you can also look for EMI card apply online, which allows easier repayment for larger expenses.

How to Apply for a UPI-Enabled Credit Card

Getting a UPI-compatible credit card is simple and 100% digital. Just follow these steps:

1. Check Eligibility

Banks require income and credit scores for these cards. Before applying, ensure you fulfill the minimum eligibility criteria.

2. Apply Online

Visit the bank’s website or app. For example, IDFC FIRST allows applications via its mobile app. Go to Credit Cards and select the UPI card option.

3. Fill Application Form

Accurately enter personal details like name, income information, address, etc. Incorrect data causes delays.

4. Submit KYC Documents

Upload soft copies of Aadhaar, PAN Card, proof of income, etc. Some banks offer instant e-KYC for a smooth process.

5. Activate UPI

Give consent to activate UPI payments during application. This links your credit card to UPI.

6. Instant Digital Card

Once approved, your details get generated instantly. Access them by clicking the link to the card with your preferred UPI app.

7. Link Card to UPI App

Open your UPI app and select ‘Add Credit Card’ under Accounts. Enter details like card number, CVV, and expiry date. Verify via OTP. Set UPI PIN.

8. Start Transacting

Use the UPI-powered credit card to make payments across India’s 60 million+ UPI QR merchants. Enjoy rewards points, cashbacks, and more!

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Benefits of UPI-Enabled Credit Cards

UPI-powered credit cards offer a gamut of advantages. Here are some of the top benefits:

• Wider Acceptance: UPI QR codes have 60 million merchants nationwide. Much more than traditional PoS machines.
• Seamless Transactions: Make payments via UPI apps instantly without repeatedly entering card details.
• Reward Points & Cashbacks: Earn credit card-like rewards and cashback on UPI payments. For example, IDFC FIRST Bank offers 3X reward points.
• Enhanced Security: UPI infrastructure provides multi-layered authentication via MPIN, biometrics, OTP, etc., reducing the risks of physical card skimming.
• No Physical Wallet Needed: All transactions are handled digitally via your smartphone, so you don’t need to carry your actual card.
• Credit Limit Flexibility: Effectively manage large & small spending with your credit limit.

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Conclusion

UPI-linked credit cards combine the robust security of UPI apps with the benefits and rewards of credit cards, making digital payments faster, more rewarding, and universal.

As more banks introduce such cards, adopting this smart payment mode can enhance user experience. Check if your bank offers this facility and unlock the power of UPI on credit card today.