Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to Make UPI Payments Using Credit Card

    When you want to make a payment or transfer money from account to another, you can use the UPI payment platform. UPI (Unified Payments Interface) is a real-time payment platform. This was launched by National Payments Corporation of India.

    Make UPI Payments Using SBI Credit Card

    • Step 1:Go to the Paynet channel which is on the SBI Card/Mobile App.
    • Step 2:Type in the SBI credit card number, the amount you want to pay and then choose your UPI option.
    • Step 3:You will be redirected to the UPI page. You have to choose ‘Enter your VPA’ or ‘Scan QR code’
    • Step 4:Then you should enter the VPA handle. You can also scan your QR code with any UPI app.
    • Step 5:You should then authorise the payment.
    • Step 6:The confirmation will be shown
    • Step 7:After the payment has been made, this will be posted on the credit card account.

    Make UPI Payments Using HDFC Credit Card

    • Step 1: Select 'BHIM UPI Payment’ on the mobile banking app
    • Step 2: Type in your 6-digit App password
    • Step 3: Choose 'Send Money'
    • Step 4: Now, choose the to pay via UPI ID of the beneficiary account number and IFSC code.
    • Step 5: Enter your mobile number and MMID
    • Step 6: Type in the amount.
    • Step 7: Enter your 4-digit UPI PIN and make the payment.

    Make UPI Payments Using ICICI Credit Card

    • Step 1: Go to the website, https://www.icicibank.com/online-services/scan-to-pay/cards-payment.page and click on ‘Proceed’. Enter your credit card number.
    • Step 2: Verify all details.
    • Step 3: Now, enter the amount.
    • Step 4: Select ‘Generate QR Code’.
    • Step 5: Log into any UPI-enabled app and then scan the QR code that has been generated.
    • Step 6: Make the payment.
    • Step 7: After the payment has been processed, you will get a confirmation message.

    Make UPI Payments Using Axis Bank Credit Card

    • Step 1: Initiate your UPI payment from any UPI app
    • Step 2: Enter the Axis Bank Credit Card bill UPI ID
    • Step 3: Now, verify the name and then enter the credit card bill amount
    • Step 4: Now, complete the transaction with your UPI PIN

    Make UPI Payments Using Punjab National Bank Credit Card

    • Step 1: After adding bank account, generate virtual address and set UPI PIN for authenticating transactions.
    • Step 2: Click on Pay.
    • Step 3: If you want to use a Virtual Address, enter the virtual address of your beneficiary who is registered with UPI.
    • Step 4: If you want to transact via IFSC code, enter the bank account details and proceed with the transaction.

    Make UPI Payments Using Kotak Mahindra Bank Credit Card

    • Step 1: Select 'BHIM UPI' and click on 'My Kotak' section. You can also click on 'Banking' section on the Kotak Bank app
    • Step 2: On the 'BHIM UPI' menu, click on 'Send Money'
    • Step 3: Choose your mode as 'Pay to Account' or 'Pay to VPA'

    To Send Money to a VPA/ UPI ID:

    • Step 1: Choose the VPA
    • Step 2: Type in the beneficiary's VPA, the amount, and select 'Submit’
    • Step 3: Confirm all details

    Make UPI Payments Using Bank of India Credit Card

    • Step 1: Log into the UPI app
    • Step 2: Click on 'Transfer Money' and select 'Send'
    • Step 3: Choose 'A/C IFSC'
    • Step 4: Now click on 'Bank of India'
    • Step 5: Enter the IFSC code - BKID0000101
    • Step 6: Under 'Beneficiary Name', enter your name
    • Step 7: Select 'Account Number' and type in your 16-digit BOI credit card number
    • Step 8: Enter the card number and select 'Send'

    Make UPI Payments Using IDBI Credit Card

    • Step 1: Initiate your UPI payment from any UPI app
    • Step 2: Enter the IDBI Bank Credit Card bill UPI ID
    • Step 3: Now, verify the name and then enter the credit card bill amount
    • Step 4: Now, complete the transaction with your UPI PIN

    Make UPI Payments Using Canara Bank Credit Card

    • Step 1: You have to initiate your UPI payment from a UPI app
    • Step 2: Now, enter your Canara Bank Credit Card bill UPI ID
    • Step 3: After the verification of the name, enter the amount
    • Step 4: Complete the transaction with your UPI PIN

    FAQs on How to Make UPI Payments Using Credit Card

    1. Am I allowed to stop/cancel a transaction after I have initiated one via UPI?

      No, after you initiate a transaction via a UPI app, you cannot cancel the transaction. After initiating the transaction, the UPI will prompt you to check the payment details.

    2. After a transaction is successful, how much time will it take for the money to be debited from the bank account?

      After you get the ‘transaction successful’ notification, the money will be debited instantly from your bank account.

    3. What does a VPA/UPI ID/Virtual ID mean?

      A VPA/Virtual ID/ UPI ID is an identifier that you, as a UPI user can create after you start using any UPI app. You can create many VPAs and make all transactions secure in the UPI platform. VPAs are unique and you can link only one bank account with every VPA. The VPA will be in the format, name@bankname or mobilenumber@bankname.

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