How you can make UPI payments via credit, debit cards

The Reserve Bank of India (RBI) today allowed payment from Rupay credit cards via UPI. This was announced by the RBI governor Shaktikanta Das today in the monetary policy review press conference.

“UPI has become the most inclusive mode of payment in India. Currently, over 26 crore unique users and 5 crore merchants are onboarded on the UPI platform. In May 2022 alone, 594.63 crore transactions amounting to Rs 10.40 lakh crore were processed through UPI. UPI currently facilitates transactions by linking Savings /Current Accounts through Debit Cards of users. The interoperability of PPIs has also facilitated access of PPIs to the UPI payment system for undertaking transactions. In order to further deepen the reach and usage, it is proposed to allow linking of credit cards to UPI. To start with Rupay credit cards will be enabled with this facility. This arrangement is expected to provide more avenues and convenience to the customers in making payments through UPI platform. This facility would be available after the required system development is complete. Necessary instructions will be issued to NPCI separately,” stated the RBI’s Statement on Developmental and Regulatory Policies.

Initially UPI payments could be made from a bank account by linking one’s bank account to UPI. However, later UPI apps also started allowing individuals to add credit and debit cards to make payments to merchants. So, you couldn’t make payments to individuals (non-merchants) by using your UPI linked card.

By adding one’s credit or debit card to UPI apps, one can make payment without the need to swipe it at POS machine. Just scan a QR code and choose the added credit/debit card as payment method to make the payment. Once you initiate a payment through the UPI app using a debit or credit card, a one-time password (OTP) is sent to your registered mobile number to complete the payment.

Here’s how a look at how you can pay via credit or debit card using UPI in popular apps like GPay and PhonePe.

Pay via credit, debit card using Gpay

To pay via credit or debit card using GPay, you will first have to add the cards to the UPI app. As per the GPay website, an individual can add debit, credit cards of the following banks, provided they are operated on Visa and MasterCard payment gateways.


b) SBI,






h) HSBC Bank


j) OneCard (Visa Credit card)

To add the credit, debit card on Gpay, follow the steps below:

Step 1: Open the app and click on your profile picture.

Step 2: Click on the payment methods. The app will show you current bank accounts that are added on the app. Click on ‘Add credit or debit card’ to add your card on the Gpay.

Step 3: You will be required to enter your card number, expiry date, CVV and cardholder’s name and billing address. Click on Save.

Step 4: You will be required to accept the issuer’s terms and conditions. Click on ‘Activate’ to start paying in stores and in merchants.

You will be required to verify your card. A one-time password (OTP) will be sent to your registered mobile number for additional authentication. Once you have verified your card, you can use it to pay for transactions.

Where can you pay using Credit Card via GPay?

As per the GPay website, you can use your credit or debit card for the following types of transactions:

a) Tap & Pay at NFC enabled payment terminals

b) Bharat QR code-based payments at online & offline merchants

c) Bill payments and Recharges on Google Pay

d) Online payments on Myntra, Dunzo, Yatra, MagicPin, Coolwinks, EaseMyTrip, Confirmtkt android apps.

Pay via credit or debit card using PhonePe app

To pay via credit or debit card using PhonePe app, you will be first required to add the credit or debit card as one of the payment methods. The steps of adding the credit, debit card on the PhonePe app is same as mentioned above.

In the settings of the PhonePe app, check payment methods. Click on ‘Add new card’. You will be required to enter the card details, which will be verified by penny-drop method (by debiting Re 1 from your account).

Once the card is successfully verified, the card can be used for payments.

As per the PhonePe website, payments using credit card can be made for products and services offered on PhonePe App or to PhonePe merchants and sellers.

Further, unlike GPay where you can add only Visa, Master-based payment gateways cards, PhonePe allows all domestic debit, credit cards issued by Visa, Mastercard, Maestro, Diners, American Express and Rupay.

Pay via credit or debit card using


Similar steps must be taken to add credit or debit card in the Paytm app. Once the card is successfully verified, then it can be used for payments. The Paytm app also supports all debit, credit cards for making payments.

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