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How to Pay Credit Card Bill through UPI

How to Pay Credit Card Bill through UPI

pay credit card bill through upi

The Unified Payments Interface (UPI) will soon allow users to link their RuPay credit cards to it, enabling them to utilize their credit cards to make UPI payments, according to a 2022 announcement from the Reserve Bank of India.
While UPI previously only enabled users to pay using their bank accounts, the new functionality enables you to pay with your credit card without having to take your card around with you by just scanning the merchant's QR code.

How to make UPI payments with a credit card

  • Install the BHIM app on your Android or iOS smartphone to get started.
  • Log in or register on the app.
  • In the top menu, select the "Bank Accounts" item.
  • Next, choose the + icon located in the bottom right corner.
  • Click "Credit Card" at this time.
  • Select the bank that issues your credit card.
  • The app will display the banks' accepted credit cards that are suitable.
  • Once you enter the necessary information, your card will be added.

Only credit cards of these banks can be added at the present moment –
Indian Bank
Punjab National Bank
Union Bank

Do Remember UPI PIN
You must create a 4-digit or 6-digit UPI PIN in order to use your credit card on the BHIM app. Right from the app, you may establish the PIN or modify it.
Accounts of merchants

The BHIM app allows you to add credit cards, however you can only use those cards to make purchases from merchants. This implies that using your credit will only be possible when you are scanning a retailer's QR code; regular accounts will not be supported.

Other Ways to Pay Credit Card Bill through UPI

Pay Credit Card Bill using IMPS

Immediate Payment Service is referred to as IMPS. As is clear, IMPS support quick payments and money transfers. Follow these procedures to pay your credit card bill with IMPS:

  • Use your login information to access the mobile banking application for your account.
  • Select 'IMPS' after clicking the 'Bank Account' option.
  • 'Merchant Payment' button should be selected.
  • Provide the necessary details, including MMID, the biller's phone number, your bank account information from which the money are to be sent, your credit card number, and the billing amount.
  • Click 'Confirm' after entering the information to complete the transaction.

Pay Credit Card Bill using NEFT

Users of NEFT can pay credit card bills using any other bank's net banking account. You may effortlessly transfer money using this approach from your savings account to your credit card account while relaxing at home. Before sending money using NEFT, the recipient must be added as a beneficiary. Then, you must take the following actions:
  • Access your online banking profile.
  • 'Funds Transfer' should be selected.
  • Find the phrase "Transfer to another bank" and click it.
  • Choose your credit card's beneficiary and account.
  • Fill out the necessary information and agree to the "Terms and Conditions"
  • Recheck all the information, then press "Confirm" to send the money.

Pay Credit Card Bill through Internet Banking

You may pay your credit card bills whenever you want, from anywhere, using online banking, which is one of the easiest and most popular options. All you have to do is adhere to these instructions:

  • Go to your net banking page and sign in.
  • 'Credit Card' should be selected.
  • After that, select "Register New Card," enter your credit card information, and then click "Submit." (Take note that you only need to complete this step if this is your first time using internet banking to make a payment.)
  • Select your registered card by clicking the 'Transact' option.
  • Choose your payment method, then click "Confirm" to finish the transaction.

Auto Debit Feature

One of the safest methods for paying credit card bills is through auto-debit. Due to the automated withdrawal of funds from your connected account and payment of your credit card bill prior to the due date, this function completely eliminates the possibility of missing any credit card payments (Read on to learn why). You may quickly sign up for the "Auto Debit" function if you have a net banking account and never worry about paying your credit card bill again.
  • To sign up for the auto-debit feature, go into your net banking account.
  • Check out the "Credit Card" area.
  • Watch careful for the 'Auto-Debit' option.
  • Once you've found it, click on 'Enable'.
  • Choose whether you wish to pay the entire amount of the bill or only the minimum amount owed.
  • Set a maximum auto-debit amount (if requested)
  • To activate auto debit, click 'Confirm'.
  • Every month, on the due date, the payment will be taken from the bank account you've chosen in accordance with your instructions.

Advantages of paying credit card bills online

There are several physical ways to pay credit card bills, but there are many benefits to paying your bill online instead. The following are a few of them.

  • Online credit card bill payment is quick and simple, so it saves you a lot of time and effort.
  • It is handy and pleasant to pay your bills online from the comfort of your home because you won't need to set aside a certain time for it.
  • Online banking is fairly safe and secure since it is protected by several levels of personal authentication such as IPIN, OTP, etc.
  • When you pay your credit card bill online, all the transactional information is saved and made readily accessible for you to keep track of your spending.
  • Numerous options, such as "auto-debit," make sure that you don't forget to make payments.
  • You may also choose whether to pay the minimal amount owed or the entire amount, giving you more flexibility in how you wish to handle your transactions.
  • Online payment methods allow you to reduce your use of paper, checks, envelopes, stamps, receipts, and other consumables, making them more environmentally friendly.

How to Pay Credit Card Bills Using UPI on Paytm

It's easy and straightforward to pay your credit card bill using UPI on the Paytm app. The procedures you must follow to pay your credit card bill using UPI are shown below.
  • Launch the Paytm application on your smartphone.
  • Scroll down to the 'Recharge & Bill Payments' area on the home page.
  • Go to the 'Credit Card Payment' option by clicking.
  • Choose the credit card for which you wish to make a payment right now.
  • Then, click 'Proceed' after entering the bill's amount.
  • Choose the bank account connected to UPI, then go on.
  • An OTP will now be sent to the associated cellphone number.
  • To authenticate the transaction, enter the OTP.
  • In a few minutes, your credit card bill will be paid, and you'll be informed of it.
  • Alternatives to Paying Credit Card Bills Online
  • On Paytm, there are several more online payment methods available.

Pay Credit Card Bill using Paytm Wallet 

Numerous mobile wallets and online payment systems have begun to provide credit card bill payment alternatives on their platforms as a result of recent advances in the online financial sector. One such mobile wallet is Paytm, which enables you to pay credit card bill through UPI by completing a few, simple procedures that scarcely need more than a few minutes of your time. All you have to do is adhere to these easy instructions:
  • On your smartphone, download the Paytm mobile payment app.
  • Remember that you may pay your credit card bill without registering individually.
  • Simply enter your login information into the program.
  • Connect your debit card or savings account, which you plan to use to pay your credit card bill, to the mobile application.
  • Enter your credit card information and recharge your mobile wallet.
  • To finish the transaction, enter the bill's amount and click "Pay."

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