Paying by scanning a QR code is now part of daily life. What many users overlook is that certain credit cards can be linked to UPI for eligible merchant payments. When set up correctly, routine spends might contribute to your card’s reward programme.
This guide breaks the idea into practical steps. You continue with your usual scan and pay habit, simply selecting your card as the payment method instead.
What Linking a Credit Card to UPI Actually Means
Two rails meet here. The UPI app facilitates the payment, which is then funded by your card, and the transaction is later reflected on your card statement. Eligibility varies by card network, issuing bank, and the merchant’s category code (MCC). In practice, it works for merchant QR and checkout payments, but not for person-to-person transfers. You still follow your card’s billing cycle and repayment date.
Turn UPI Scans into Credit Card Rewards
UPI already fits your routine. When you link an eligible credit card, everyday QR scans can count towards your card’s rewards program on qualifying merchant spends. You keep the same scan and pay flow, choosing your card handle at checkout. Review earning rules, caps, and exclusions first, then use the card handle for payments, utilities, and app checkouts you make. IDFC FIRST Bank offers the UPI on credit card option with most of its credit cards. All you need to do is activate it with a minimal fee and you can start scanning QR codes for UPI payments right away.
Steps to Set it Up in Your UPI App
A quick set-up prevents mistakes later. Follow the prompts in your preferred app.
- Update the app to the latest version.
- Open payment methods and look for the credit card option.
- Enter your card details as required and complete the authentication process.
- Set or confirm a UPI PIN for the card handle.
- Choose the card as the default only for merchant QR payments.
Payments That Commonly Work for Earning Rewards
Focus on registered merchants that accept UPI. This keeps records tidy and avoids confusion.
- Supermarkets, chemists, and local stores with static QR codes.
- Utility billers inside your UPI app.
- Online checkouts that present UPI options.
- App-based deliveries that allow UPI intent.
Things to Check Before You Start
Reading the fine print saves trouble later. Use this list to review your card’s terms.
- Reward rules, earning caps, and excluded categories.
- Whether person-to-person transfers, wallet loads, or fuel are excluded.
- Any surcharge added by a merchant.
- Daily UPI limits and your card credit limit.
- Impact of part payments, EMIs, or refunds on rewards posting.
Issuers like IDFC FIRST Bank, provide all information related to card offers and features upfront on their website. Do check the details before you opt for any credit card.
Smarter Habits to Keep Bills in Control
Good habits protect your budget while you explore this feature.
- Track spending in one primary UPI app for cleaner statements.
- Add short notes against frequent merchants.
- Keep digital invoices for returns or disputes to facilitate resolution.
- Pay the full card bill on or before the due date.
- Review statements monthly to spot errors early.
Common Mistakes to Avoid
Some habits often trip people up.
- Paying friends or family with the card.
- Using the card for wallet top-ups.
- Missing the due date and incurring interest.
Closing Thoughts
Linking an eligible credit card to UPI can help you organise daily spending and may allow rewards to accrue on qualifying merchant transactions. Always check the latest guidance on your bank’s website and read the card-specific terms before you begin today.
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