What Credit on UPI Does
Credit on UPI (specifically RuPay credit cards linked to UPI) lets you use your credit card to pay any UPI merchant — including small shops using basic QR codes that previously only accepted debit card or bank transfers.
Where It's Headed
NPCI is working on extending credit line on UPI — allowing banks to offer a pre-approved credit line directly accessible via UPI, similar to a buy-now-pay-later feature integrated into the UPI rail. Pilot banks include HDFC, SBI, and Union Bank.
How to Link Your RuPay Credit Card
In GPay, PhonePe, or Paytm: go to "Add payment method" → "Link credit card" → select your bank → complete OTP verification. Note: only RuPay credit cards are eligible (not Visa/Mastercard). If your current card is Visa or Mastercard, check if your bank offers a RuPay variant.