RuPay Credit Card UPI Payment Charges: If you also make payments by linking your credit card to UPI while shopping, then this news is very important for you. Many people are still confused about whether there will be any additional charges for making payments using this method. Let’s find out.

What are NPCI’s rules?

According to the National Payments Corporation of India, if anyone makes a UPI payment of up to ₹2000 using a RuPay credit card, there are no charges. Simply put, if you buy goods worth up to ₹2000 at a store and pay using UPI, there will be no impact on your pocket.

However, if your payment exceeds Rs 2,000, you may be subject to a Merchant Discount Rate (MDR). Although this charge is levied on the merchant, it is often passed on to the customer.

Where does the MDR charge apply?
The MDR charge will currently apply to large merchants and branded stores. Small shopkeepers, local vendors, and grocery stores are exempt. This means that small purchases by the average person will not be affected.

If you have a RuPay credit card, you can link it to your UPI app (such as PhonePe, Google Pay, Paytm). Once linked, you can make payments directly from the credit card by scanning the QR code. This is similar to a debit card.

Tips for Using Credit Cards

• Make full payments on the monthly billing date to avoid interest and late fees.
• Timely payments and proper utilization of your limit improve your score.
• Activate auto-debit from your bank to ensure timely payments.
• EMIs seem convenient, but use them only after understanding the interest and charges.
• If you have multiple cards, keep track of their limits, due dates, and offers.

GST Registration New Rule : Now GST registration will be available in just 3 days, know who will benefit

The post Credit Card UPI Payment Charges: Will there be no charges for UPI using a credit card? Learn NPCI’s guidelines. first appeared on Rightsofemployees.com.

Available digitally and physically, the new RuPay Credit Card can be used through UPI, card POS terminals, online platforms and ATMs. The card offers 3% cashback on ‘Scan & Pay’ transactions done through Super Money app for credit card transactions and 1% cashback on all other spending categories.

Key benefits of the card

• The cardholder can get up to ₹500 cashback every statement cycle.
• This credit card is lifetime free for the customers without any annual fees.
• This card has a 1% fuel surcharge waiver on fuel transactions ranging from ₹400 to ₹4,000, with a maximum waiver of ₹400 per statement cycle.

Credit card usage is on the rise

RBI data shows that there were 5.53 crore cards in circulation in December 2019, while by the end of February 2025, their number more than doubled to around 10.93 crore. This figure reflects the tremendous growth in the use of credit cards in the last few years. Arnika Dixit, President & Head – Cards, Payments and Wealth Management, Axis Bank said that Axis Bank has a complete portfolio of credit cards and we constantly innovate in our service. We are increasing partnerships to meet new customer segments and their changing needs. Today we are happy to introduce a credit card in collaboration with super.money, which makes UPI payments possible through credit card.

The post Axis Bank and Super Money launched Rupay Credit Card, you will get these benefits including cashback up to Rs 500 first appeared on Rightsofemployees.com.

With its help, users can make purchases from more than 100 million merchant locations across the country. This card offers a credit limit of up to Rs 5 lakh, personalized rewards and exclusive deals to users through the Know Your Offers feature of the Rio app.

This special card is only for them.

People from small cities are also showing a lot of interest in this card. During its beta launch, 60% of the applications came from tier 2 and tier 3 cities. This credit card is available to people between the ages of 21 and 60, whether they are employed or have their own business. The applicant for this card should have a minimum net monthly salary of Rs 25,000 or an annual income tax return of Rs 5 lakh. However, existing YES BANK credit card holders are not eligible.

This credit card is lifetime free

This card is lifetime free. There is no joining fee for this either. While this card offers many benefits, some specific transactions will be charged. Utility payments of more than Rs 15,000 in a month will attract a 1% fee plus GST, with a maximum limit of Rs 3,000 per month.

This is how you will get the benefit

Paying education fees through third-party apps like CRED or PhonePe will attract a 1% fee plus GST from October 2024, with the fee limited to Rs 5,000 per calendar month. Similarly, fuel transactions of more than Rs 10,000 per transaction will attract a 1% fee plus GST, which will be limited to Rs 5,000 per month. For example, a fuel transaction of Rs 20,000 with this card will attract a fee of Rs 200 and tax.

Related Articles:-

U.S. court issues arrest warrant for Gautam Adani: report

Ration Card Cancelled: Govt has cancelled 5.8 crore ration cards, check if your name is in the list

The post New Credit Card launched, Lifetime free and no joining fees first appeared on Rightsofemployees.com.

Convenience on payment through these methods

ICICI Bank said in a statement that now its customers, whether they are shopping or paying any kind of bill or making offline payment like POS machine, can make payment from their Rupay credit card through UPI. This facility is for person to merchant payment. Along with this, users will also get the benefits of reward points.

You can link these credit cards

ICICI Bank has tied up with National Payment Corporation of India to enable UPI transactions on its RuPay credit card. ICICI Bank is currently issuing various types of RuPay Credit Cards to its customers, which include ICICI Bank Coral RuPay Credit Card, ICICI Bank HPCL Super Saver RuPay Credit Card and ICICI Bank Rubix RuPay Credit Card. ICICI Bank customers can link these credit cards with UPI.

UPI payment will have to be done like this

ICICI Bank customers can make payment through UPI by scanning the QR code of the merchant from their iMobile Pay app. Apart from iMobile Pay, customers can also make payment using their RuPay credit card using any other UPI payment app. For this, they will first have to link their respective credit cards with UPI.

How to link ICICI Bank Rupay Credit Card with UPI…

• Go to UPI Payments option in iMobile app.
• Go to Manage option and open My Profile.
• Select the option of Create New UPI ID.
• Select Rupay Credit Card as payment mode
• Select the UPI ID of your choice which you want to link.
• Click on Proceed and check the transaction details.
• The card will be linked as soon as you click on Confirm.

The post ICICI bank launches UPI payment via Rupay credit card, know how to link it first appeared on Rightsofemployees.com.

Now you will be able to pay through RuPay Credit Card on Google Pay as well. Google Pay users will be able to link RuPay credit card on their app. And with this you will be able to make payments to online and offline merchants in a few clicks on the app itself.

UPI payment by credit card

cLet us tell you that NPCI has developed a special Rupay credit card in the country. RBI has now allowed UPI payment only through Rupay credit cards. Currently, global companies like Visa and Mastercard have not got the facility to enable UPI payment on their credit cards in India.

Till now customers could make UPI payment by adding debit card to Google Pay, but now UPI payment will be done through credit card through Rupay credit card. Before Google, RuPay Credit Card was available on PhonePe and Paytm. Recently, Paytm has also launched a special credit card in collaboration with RuPay Credit Card and SBI.

Who can use this credit card on Google Pay?

Currently Axis Bank, Bank of Baroda, Canara Bank, HDFC bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank and Union Bank of India Rupay credit card holders will be able to link their cards on Google Pay.

How to link RuPay Credit Card on Google Pay?

To make UPI payment with RuPay Credit Card, you must first add it to your Google Pay account.

For this, first open the Google Pay app. Go to Settings and then click on Setup Payment Method.

Now click on Add RuPay Credit Card.

– You will have to enter your card details here – You will have to enter the last six digits of the credit card number, expiry date and PIN etc.

Now you have to tap on RuPay credit card on UPI to activate this option.

Now select the bank which has issued you the RuPay credit card.

Here you have to set a unique UPI PIN.

Now your card is added. Now you can make UPI payment with RuPay Credit Card.

The post UPI Payment: Now you can pay with RuPay Credit Card on Google Pay, Here’s a Quick Step-by-Step Guide first appeared on Rightsofemployees.com.

Paytm Payments Bank went live with UPI in February 2023, given by the National Payments Corporation of India to facilitate small transactions. About 6 million users have taken advantage of this feature.

According to the new feature added by

Paytm, the bank has given users the option to link their RuPay credit card with the UPI ID on the Paytm app. With the new split bill feature, users can create friend groups and share their bills in the group. Users can also tag all payments made on Paytm. In this way all the payments can be viewed at any time through a tag.

Vijay Shekhar Sharma, Chairman, Paytm Payments Bank, said, “We continue to innovate in India while protecting Paytm UPI while empowering users.” He said that we have brought many facilities like split bill, Paytm tag, optional UPI ID on Paytm app.

UPI Lite was launched in February

Let us tell you that Paytm is constantly making changes in its features to make it easier for the users. In the past, Paytm had made UPI payment easy for its users. Paytm had launched UPI Lite in the month of February last. It was said to make payment easier and get rid of the problem of repeated payment failure. With this, users can make payment up to Rs 200 without entering any PIN. Along with this, Rs 2000 can be added in UPI Lite and this can be done twice. In this way Rs 4000 can be added in a day.

The post Paytm New UPI Feature: Good news for UPI Users…! Now UPI users will get all these facilities, check new feature details first appeared on Rightsofemployees.com.

With the facility of RuPay Credit Card on UPI, you will be able to pay with your credit card by scanning the UPI QR code installed at the neighborhood shop. However, through this feature, you can pay only the merchant UPI QR code. Can’t make P2P payments.

Rupay credits of 4 banks have also gone live on BHIM App Rupay credits of 4 banks have gone live on
NPCI operated BHIM App and PayZapp App operated by HDFC Bank. Rupay credit card holders of Punjab National Bank, Union Bank of India, Indian Bank and HDFC Bank can link their cards to the BHIM app. By March, the facility of linking SBI card, ICICI Bank and Axis Bank’s Rupay credit card with UPI is also expected to start.

How to Link Rupay Credit Card with BHIM App
>> First of all open BHIM App.
>> After this click on the linked bank account.
>> Now on clicking on +, 2 options appear in Add Account – Bank Account and Credit Card.
>> After clicking on Credit Card, on clicking on the related card, the details of the credit card linked to your mobile number will come.
>> Now enter the last 6 digits and validity of the credit card.
>> After this enter the OTP received on the mobile.
>> Create UPI PIN. In this way the process of registration will be completed.
>> Now scan the merchant UPI QR code and select RuPay Credit Card and complete the payment by entering the UPI PIN.

The post Rupay Credit Card on UPI: Through this feature, Rupay Credit Card can be linked to the UPI app. first appeared on Rightsofemployees.com.

According to the recent decision taken by the Reserve Bank of India (RBI), there will be no fee on UPI for transactions up to Rs 2,000 on the use of Rupay Credit Card. Instructions have been given in this regard in the recently issued circular by RBI.

Let us tell you that the order of the circular came into effect from October 4,
Rupay credit card is in circulation for the last four years. All the major banks of the country are connected to it. RBI’s circular issued on Tuesday (October 4) said, ‘The process of linking the credit card on the app and generating the UPI PIN requires the consent of the customer to enable the credit card in all types of transactions.’

2,000 or less, NPCI said the existing process of the app for international transactions would be applicable to credit cards as well. It also said that zero merchant concessional rate (MDR) will be applicable for this category up to transaction amount of Rs 2,000 or less.

In the information given by RBI, it was said that this circular will be applicable from the date of issue. That is, this rule has come into effect from 4 October. RBI also said that members are requested to take note of this and bring the contents of this circular to the notice of the concerned stakeholders.

RBI Deputy Governor T Ravi Shankar had earlier said, “The purpose of linking credit cards with UPI is to provide a wider choice of payment options to the customer. Presently UPI is linked to savings accounts or current accounts through debit cards.

The post UPI Transaction New Guideline: Big News ! RBI issued new guidelines regarding UPI transactions, check here guideline first appeared on Rightsofemployees.com.

According to the recent decision taken by the Reserve Bank of India (RBI), there will be no fee on UPI for transactions up to Rs 2,000 on the use of Rupay Credit Card. Instructions have been given in this regard in the recently issued circular by RBI.

Let us tell you that the order of the circular came into effect from October 4,
Rupay credit card is in circulation for the last four years. All the major banks of the country are connected to it. RBI’s circular issued on Tuesday (October 4) said, ‘The process of linking the credit card on the app and generating the UPI PIN requires the consent of the customer to enable the credit card in all types of transactions.’

2,000 or less, NPCI said the existing process of the app for international transactions would be applicable to credit cards as well. It also said that zero merchant concessional rate (MDR) will be applicable for this category up to transaction amount of Rs 2,000 or less.

In the information given by RBI, it was said that this circular will be applicable from the date of issue. That is, this rule has come into effect from 4 October. RBI also said that members are requested to take note of this and bring the contents of this circular to the notice of the concerned stakeholders.

RBI Deputy Governor T Ravi Shankar had earlier said, “The purpose of linking credit cards with UPI is to provide a wider choice of payment options to the customer. Presently UPI is linked to savings accounts or current accounts through debit cards.

The post Big News ! RBI issued new guidelines regarding UPI transactions, check here guideline first appeared on Rightsofemployees.com.

RuPay Credit Card is operational for the last four years, and is linked to all major bank and is issuing incremental cards for both commercial and retail sectors. “During credit card on-boarding on the Apps, device binding and UPI PIN setting process shall be included as customer consent to enable the credit card for all types of transactions,” the circular issued on October 4 said. will be considered.’

The National Payments Corporation of India (NPCI) said in the circular that the existing process of the app to enable international transactions will be applicable to credit cards as well. It is noted that Nil Merchant Discount Rate (MDR) for this category will be applicable up to transaction amount less than and equal to Rs.2,000.

MDR is the cost paid by a merchant to a bank for accepting payments from its customers via credit or debit cards, whenever the card is used for payment in their stores. The merchant discount rate is expressed as a percentage of the transaction amount. It was informed that this circular is in force from the date of issue and members are requested to take note of the contents of this circular and bring it to the notice of the concerned stakeholders.

As per the circular, the UPI app will ensure complete transparency on the transactions made by the customer using the credit card through easily accessible transaction history and clearly visible user interface while making the payment.

The post Good news for online payers: Now no charge will be levied on UPI payment up to Rs 2,000 with this credit card first appeared on Rightsofemployees.com.

You will also get discount on movie tickets, reward points are available on every transaction done with the card. Apart from this, the customer also gets the facility of complimentary domestic airport and railway lounge. There will be no fuel surcharge on this and discounts will also be available on movie tickets. Personal accident insurance is also available on ICICI RuPay Credit Card. Apart from this, exclusive accidental insurance of Rs 2 lakh is available on RuPay card.

NPCI An indigenous card payment network

ICICI Bank’s credit card head Sudipta Roy while launching this card said that we have always given priority to the convenience of the customers. NPCI is an indigenous card payment network. Talking about the facilities available on Coral RuPay Credit Card, apart from fuel, you will get 2 reward points for every 100 rupees spent.

One reward will be given for every Rs 100 spent in the utility and insurance categories of maximum 10 thousand reward points annually. 2000 bonus reward points will be given if a transaction of 2 lakhs is done annually with the card. After that you will get 1000 bonus reward points for every lakh spent. Only a maximum of 10 thousand reward points will be available annually. Apart from this, lounge facility will be available at the domestic airport and selected railway station in complimentary benefit.

The post ICICI Bank Credit Card: ICICI Bank has issued Coral RuPay credit card, what is its specialty first appeared on Rightsofemployees.com.

This co-branded credit card is equipped with contactless features. This card can be used at all merchant outlets or online websites that accept RuPay cards.

• Card Features-
• Yodha BOB Credit Card customers get a complimentary Fitpass Pro membership worth Rs 15,000 for 6 months.
• Within 30 days of card activation, the cardholder gets a Zomato Pro membership for 12 months.
• On spending one lakh rupees within 90 days of card issuance, the card holder gets a membership of Amazon Prime for 12 months.
• Get 10X Reward Points on spending in grocery and departmental stores through this card.
• Apart from this, 2X reward points are available for spending in other categories.
• Through this card you can access airport lounge 8 times in a year. However, you can access the domestic lounge maximum 2 times in a quarter.
• Fuel surcharge of 1% will not be payable on payment of fuel purchase at petrol pumps using this card. Fuel surcharge can be waived up to a maximum of Rs 250 in one billing cycle.
• This card is equipped with contactless technology, which also provides the facility of ‘Tap and Pay’ to the customers i.e. payment can be made by simply tapping on the POS machine without swiping the card.

Life Time Free Hai Card

Yodha BOB Credit Card is a Lifetime Free Credit Card. There is no joining or annual fee for this card.

The post Yoddha BoB Credit Card: Bank of Baroda and Indian Army introduced co-branded credit card, know the features of the card first appeared on Rightsofemployees.com.