Low bank balance: How to make UPI payments from credit cards

Running out of balance in your bank account can affect everyday transactions, including the case when you require urgent payments. However, instead of stressing about the lack of balance in your account, you can link your credit card to UPI apps and proceed with online transactions. This service enables you to make UPI transactions using your credit card if there is a shortage of balance in your bank account. This is a simple procedure offered on most UPI apps. Most major UPI apps including Google Pay, PhonePe, Paytm, and BHIM now support credit card integration for digital transactions. This feature lets you link your credit card to the UPI platform and use it for payments without physically carrying the card. When your bank account has insufficient balance, you can switch to your linked credit card as the payment source. Here is everything you need to know about linking your credit card to UPI apps for payment transactions.

Step-by-step guide to add credit card to UPI apps

The process of adding a credit card to UPI apps is relatively simple and can be completed within minutes. While specific steps may vary slightly between apps, the general process remains similar across platforms. Follow the below steps:

Accessing payment methods

Open your preferred UPI app and ensure it's updated to the latest version. Navigate to your profile or settings section, typically found at the top corner of the screen. Look for options like 'Payment Methods', 'Cards', or 'Bank Accounts & Cards' depending on your app.

Adding your credit card details

Select the option to add a new card or credit card. Choose 'Add Manually' or 'Enter Card Details' and provide the required information including your credit card number, CVV (three-digit security code on the back) and expiry date. Enter your name exactly as it appears on the card and provide your billing address when prompted.

Verification and activation

Review all entered details carefully to ensure accuracy before proceeding. The UPI app will connect with your card issuer bank to verify the information. Select your preferred method for receiving the OTP (One-Time Password), usually sent via SMS to your registered mobile number. Enter the OTP that you received and submit to complete the verification process. You'll receive a confirmation message indicating successful addition of your credit card.

Making payments with your credit card via UPI

Once your credit card is linked, using it for UPI payments is straightforward. When initiating any payment, you'll see an option to select your payment source. Choose your credit card instead of your bank account from the available options.

Proceed with the transaction as usual by entering the amount and scanning QR codes or entering UPI IDs. Confirm the payment by entering your UPI PIN. The amount will be charged to your credit card instead of your bank account, and you'll receive a transaction confirmation.

Important benefits and considerations

Adding credit cards to UPI apps provides easy accessibility for transactions without carrying physical cards. The feature includes security measures like tokenisation that protect your card details. You can use this payment method for merchant payments, bill payments, and recharges.