HDFC
HDFC RuPay Credit Cards can now be Linked to UPI
UPI payments are a widely popular and reliable payment option due to hassle-free, quick, and convenient transactions. Until now, these payments were linked to your savings or current account, thus you could spend conveniently as much as the availability of funds in your bank account. Now, however, you can link your credit card with UPI and make convenient payments via credit cards. HDFC Bank is one of the first leading credit card issuers to allow the linking of RuPay credit cards to UPI apps of your choice, like GooglePay, PhonePe, Paytm, and BHIM UPI. Using this feature, you can avail of credit card rewards, discounts, and offers on your regular UPI payments.
If you own an HDFC Credit Card that works on Rupay Platform, you must read this article to know the benefits and process of linking credit cards to UPI.
Benefits of Linking HDFC Rupay Credit Cards to UPI Apps
Wider options to shop: If you link your credit card to UPI, you have wider accessibility to shop and make purchases. When you solely use your credit card for making payments, you are restricted to using the POS. Note that, in comparison to QR codes, finding a POS machine is challenging, especially with small traders and merchants. Thus, linking credit cards to UPI offers you a chance to shop and make purchases, at both small and big locations.
- Hassle-free one-time process: Unlike a lot of payment options and methods, linking your credits to UPI is a simple and hassle-free process. You can do it similar to how you link your debit card, with a one-time process. Thus, for making credit card payments via UPI, you don't need to authenticate your credit card again and again. Additionally, you do not require lengthy passwords or login details.
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Contactless payments: Using a credit card at a POS is a contact-based payment. However, linking credit cards to UPI eliminates ‘tap’, ‘touch’, and the use of ‘punch’ buttons. Thus, by linking your card with UPI you can make payments with your credit card, even without having the physical card with you.
- Rewarding payments: While a regular UPI payment linked to your bank account might offer you no rewards, a credit card-linked UPI payment could offer your rewards, cashback, and other credit card-related benefits. Thus, using UPI payments frequently can help you earn more rewards every time you make a transaction. Some of the top HDFC Rupay Credit cards to avail rewards on UPI-linked payments are HDFC MoneyBack+ Credit Card, IRCTC HDFC Bank Credit Card, and HDFC Bank UPI RuPay Credit Card, among others.
How to Link your HDFC Credit Card to a UPI App?
You can follow the below-mentioned steps to link your HDFC RuPay credit card to a UPI app:
- Download the UPI app (Google Pay/Phone Pe/Paytm/BHIM UPI) from the app store or Play store
- Open and set up the app by registering your account or by login with your passcode if you are an existing user. On the setup page select your bank account.
- After completing the setup, navigate to your ‘profile’ section and click on the bank account and then choose option ‘Add account’
- Now, select ‘Credit Card’ and then the Credit Card Issuer, HDFC Bank in this case
- To proceed further, select the HDFC Bank Credit card you own and click on ‘Confirm’
- Click to view accounts and enter the details of the HDFC Bank RuPay Credit Card such as the last 6 digits, expiry date, OTP received on your registered mobile number, and Credit card PIN
- Lastly, set your UPI PIN to be used for making payments
Linking credit cards to UPI app is the latest addition to a lot of privileges offered by credit cards. However, if not acted upon responsibly, beneath the wider access to immediate funds, lies the risk of overspending and debt. Thus, it is always advisable to use a credit card, within your financial means, up to how you can pay back, and not up to how much you can spend. It is always the responsible and wise usage that will help you maximize the credit card benefits.
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