Now you will get cashback and rewards on every UPI payment! Know the easy way to link credit card with UPI

Scanned the QR code, entered the PIN and the payment was done! UPI has made our life very easy. But do you know that now you can earn extra on every UPI payment, from your daily tea-samosas to shopping? Yes, now you can get reward points, cashback or air miles on every spend by linking your credit card with UPI.

This facility is especially a big boon for RuPay credit card users, who can now easily use their credit cards on apps like Google Pay, PhonePe, and Paytm.

How to link your credit card to UPI?

The process is very simple:

1. Open your favorite UPI app (like Google Pay, PhonePe, Paytm).
2. Go to Profile or Payment Settings.
3. there you ‘Link RuPay Credit Card’ Or ‘Add Credit Card’ As soon as any option appears, click on it.
4. Select your bank and the app will automatically find your credit card.
5. Verify the card and set a UPI PIN for it.

That’s it! Now you can pay with your credit card by scanning the QR code at any shop, just like you do with a bank account.

Why is it beneficial?

• Earning on every expense: Now even your small or big UPI payments will not go waste. On every transaction you will get rewards as per your card.
• Safety First: You do not need to enter your card number or CVV every time. Payment is made through your secure UPI PIN.
• Convenience is convenience: Now you do not need to carry cash in your pocket or a separate card for small payments. Your phone is enough.

But, keep these things in mind

This facility is as beneficial as it is responsible. So always remember a few things:

• Check your card terms: The reward policy of every bank is different. First find out on which UPI payments your card is giving rewards.
• Pay bills on time: Remember, you’re spending with a credit card, which is a form of debt. If you do not pay the bill on time, you may have to pay heavy interest.
• Transaction Limit: There is a limit for making payments through UPI credit card, which is usually Rs 1 lakh per day.

In short, linking credit cards to UPI is a smart way to earn some extra even on your everyday expenses. All you need is a little caution and the habit of paying bills on time.