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Add RuPay Credit Card to BHIM UPI app (Step by Step Guide)

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Finance Ninja
abhishek012

Add RuPay Credit Card to BHIM UPI app (Step by Step Guide):

As you all are aware that yesterday NPCI has rolled out RuPay card support for UPI interface. I was eagerly waiting for the launch and kept on looking for ways to add my PNB RuPay Credit card on the UPI apps.

The availability of RuPay UPI support for BHIM app for now, other UPI apps will added soon.

Bhim App download link - https://play.google.com/store/apps/details?id=i...

Here are steps.

Prerequisites: In order to use this feature there are two major prerequisites.

1. RuPay credit card from PNB, UBI or Indian Bank (Canara and HDFC Bank coming soon)

https://cdn0.desidime.com/attachments/photos/807772/medium/FdGY0E6aAAMLWeC.jpg?1663768100

Once these two pre-requisites are in place, use the following steps to add your card in the BHIM UPI app.

Step1: Click on the bank name on the top navigation bar, this will take you to a secondary screen.

https://cdn0.desidime.com/attachments/photos/807773/medium/IMG5176.png?1663768147


Step2: You will be taken to the following screen

https://cdn0.desidime.com/attachments/photos/807774/medium/IMG5177.png?1663768195


Step 3: Select the Plus button to add your credit card. Search for your credit card provider, PNB, UBI and Indian bank available for now

https://cdn0.desidime.com/attachments/photos/807777/medium/IMG5178.png?1663768248

https://cdn0.desidime.com/attachments/photos/807781/medium/IMG51792.png?1663768279

Once a bank is selected, and if you have a credit card associated with that bank, you will start seeing a record for that credit card.

If you click on it, you will be taken to a new screen where you can add last six digit of your credit card for the verification purposes.

Once done, an OTP will be sent by the bank which you need to enter on the next screen. After successful verification, you will be able to set UPI pin for your credit card.

Experience while paying through the credit card on UPI: After successfully adding the credit card, I couldn't stop myself in terms of making my first ever transaction on UPI using credit card. Tried to pay to a merchant using the same and it failed.

Updated - Tried with Flipkart and payment went through without any issues.

Update 2 - Amazon credit card bill repayment also worked via RuPay Credit card linked UPI (Inshort, Credit card bill pay via Credit card).

https://cdn0.desidime.com/attachments/photos/807924/medium/IMG45E9CAE511F6-1.jpg?1663776743

Reason: The merchant also need to allow accepting the payments using credit cards on their UPI ID. So basically this is a two way process and merchant's role is also involved in it. You simply won't be able to pay via a RuPay credit card on UPI to any UPI Barcode a merchant has to enable the credit card support on their UPI id.

For bigger merchants the RuPay Credit Card support on UPI is another payment mode which they can offer to their customer as they anyways have the swipe machines on their counters and they don't mind paying MDRs.

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Can you try adding money in amazon pay wallet with vpa id of rupay credit card(if available) in bhim app.
Deal Cadet Deal Cadet
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Does phone number have to be same for BHIM UPI and CC?

Deal Subedar Deal Subedar
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Gauravmittal49589 wrote:
Can you try adding money in amazon pay wallet with vpa id of rupay credit card(if available) in bhim app.
Reaction As expected
Deal Subedar Deal Subedar
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NPCI should discount MDR to promote for credit card upi. At least for next 2 years. 

Deal Cadet Deal Cadet
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abhishek012 wrote:
Updated - Tried with Flipkart and payment went through without any issues.

https://cdn0.desidime.com/attachments/photos/807924/original/IMG45E9CAE511F6-1.jpg?1663776743

@10ven
@IndianDimer
@nimod
Awesome. Saw the video too which you added. In the end, saw coming soon for HDFC. Waiting for that.
Finance Ninja Finance Ninja
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10ven wrote:

Does phone number have to be same for BHIM UPI and CC?

I guess yes.

I think UPI directly linked with our banks "credit account" and bypass RuPay/Visa/Mastercard etc credit card network.

Hope! i m not wrong. Since MDR is available upto 2% then will get some offers from bank side too.
Finance Ninja Finance Ninja
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IndianDimer wrote:

Looks like payu has accepted this

Merchant needs to support "UPI Credit" payments.

It is also possible that some UPI merchant banks/fintech companies have not yet received the Go Live certificate from NPCI.
Deal Subedar Deal Subedar
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abhishek012 wrote:
Merchant needs to support "UPI Credit" payments.

It is also possible that some UPI merchant banks/fintech companies have not yet received the Go Live certificate from NPCI.

Oh, I thought fk is using payu for upi payments & payu has enabled upi credit payments.. 

Secondly is this different? 👇  https://www.icicibank.com/blogs/credit-card/how...

Deal Subedar Deal Subedar
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abhishek012 wrote:
Confused, i think same thing. My imobile app is not install in my phone, can you try ?

Same here., 😛

250mb motu app(before even logging in! Size will increase further after logging in n using)  who'll install, my phone memory is less. 

Deal's Advocate Deal's Advocate
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Big loot Guys Credit card bills repayment can also be paid using RuPay Credit card linked UPI via Amazon. 🤣🤣 Guys Amazon cc repay option, manually enter your upi id, and accept through bhim app. Guys Pay through your RuPay credit card linked upi 😍😍  
Deal's Advocate Deal's Advocate
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IndianDimer wrote:

Same here., 😛

250mb motu app(before even logging in! Size will increase further after logging in n using)  who'll install, my phone memory is less. 

@abhishek012 phone bhej do
Cool Cool
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avion wrote:
Big loot Guys Credit card bills repayment can also be paid using RuPay Credit card linked UPI via Amazon. 🤣🤣 Guys Amazon cc repay option, manually enter your upi id, and accept through bhim app. Guys Pay through your RuPay credit card linked upi 😍😍  
Ye to whatsapp wala forward hai avishek ka post.

DD pe aam zindagi, Whatsapp pe Mentos Zindagi


Finance Ninja Finance Ninja
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Chapribaba wrote:
Ye to whatsapp wala forward hai avishek ka post.

DD pe aam zindagi, Whatsapp pe Mentos Zindagi


Mera whatsapp ka post yaha copy paste kar diya. 😀
Finance Ninja Finance Ninja
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nimod wrote:

Mera hdfc bhi chalwado plzzzz....

Canara and HDFC coming soon.
Generous Generous
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BOB rupay nahi aayenge?
Community Angel Community Angel
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UniqueDimer wrote:
@akki.akki @tappukepapa Can you confirm this, bro? Making UPI Payments using Credit Cards through iMobile? TIA.
Where is this option in imobile? I'm only credit card user not a savings account holder.
Analyst Analyst
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tappukepapa wrote:
Where is this option in imobile? I'm only credit card user not a savings account holder.
It's on the home page of the iMobile App only. Go to the tab "Cards & Forex" and then "Other Bank Credit Card".
Community Angel Community Angel
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UniqueDimer wrote:
It's on the home page of the iMobile App only. Go to the tab "Cards & Forex" and then "Other Bank Credit Card".
Not for me, i think its for account holders only not for CC holders.
Benevolent Benevolent
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UniqueDimer wrote:
@akki.akki @tappukepapa Can you confirm this, bro? Making UPI Payments using Credit Cards through iMobile? TIA.
sorry bro I dont use iMobile. as it asks to read all my messages when using app. 
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