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7 steps to adding credit cards to UPI apps

Now you can make a UPI payment from a credit card for services that don't accept UPI payments directly.

Unified Payments Interface (UPI) has revolutionised the way people make payments. It allows you to use mobile devices to make instant money transfers between bank accounts.

With UPI, you don't need to have the bank account number or Indian Financial System Code (IFSC) of the recipient. Instead, you can simply use their UPI ID to send or receive money. Moreover, you can link multiple bank accounts with a single UPI ID, which makes it a convenient payment option for many people.

Before making a UPI payment, make sure you follow the safety tips of UPI Safety Shield.

How to add your credit card to PhonePe and other UPI apps

If you're using UPI apps like Google Pay, PhonePe or Paytm, you might have noticed that they also offer the option to add a credit card. This is useful when you want to make a payment for a service or product that doesn't accept UPI payments directly. You can make UPI payment from your credit card, then pay off the credit card bill later.

Follow these 7 steps to add a credit card to UPI apps:

  1. Open the UPI app
    The first step is to open the UPI app on your smartphone. Depending on the app, you might need to log in using your mobile number, email ID or UPI PIN.
  2. Go to the Payment Options
    Find the 'Payment Options' menu once you log in. This might be located in different places depending on the app. For example, in Google Pay, you can find 'Payment Methods' under the Settings menu. In PhonePe, you can find the 'Add Money' option on the dashboard.
  3. Select Credit Card option
    In the 'Payment Options', you'll find various payment methods like UPI, debit card, online banking and credit card. Select the 'Credit Card' option to add your credit card details.
  4. Enter your credit card information
    Now, you'll be asked to enter your credit card information. This includes the card number, expiration date, CVV and cardholder name. Make sure you enter the correct information. Any mistake will not allow you to add the credit card.
  5. Verify your credit card
    Once you enter your credit card information, the UPI app will verify your card details. This process might take a few seconds to a few minutes depending on the app. You might need to authenticate the verification through a one-time password sent to your mobile number or email ID.
  6. Set up a payment PIN
    Once your credit card is verified, you'll be prompted to set up a payment PIN. This PIN is a four or six-digit numerical code that you will use every time you make a payment using the credit card on the UPI app. Make sure you set up a strong and unique PIN that you can remember easily.
  7. Add money to the wallet
    To set up credit card to UPI transfer, you need to add some money to your wallet. This can be done by selecting the 'Add Money' option in the 'Payment Options' and entering the amount you want to add. You can use various payment methods like UPI, debit card and online banking to add money to your wallet.

Benefits of linking the HSBC Cashback Credit card to UPI

UPI is a convenient and secure online payment method that simplifies tracking your expenses. Adding a credit card to UPI apps is a straightforward process. Once linked, your credit card becomes a viable payment option for services and products that don't directly accept UPI payments.

Additionally, by linking your HSBC Cashback Credit Card for UPI payments, you can enjoy the same rewards and benefits offered by your credit card. 

Make sure you keep your payment PIN secure and add money to your wallet to start using your credit card on the UPI app.

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Our step-by-step guide on how credit cards work and how to make the most out of them.
Understand the differences between a credit card and debit card and you'll know when to use them both.
We compare the most common types of credit cards in India, and what they're used for.


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