According to the information given by the bank, UPI transactions, Rupay credit cards, HDFC mobile banking app and TPAP will not work from 12:00AM to 03:00AM IST on 8 February 2025. In view of this, customers are advised to complete the necessary transactions in advance.

What is the downtime schedule?

From 12:00 AM to 03:00 AM IST (3 hours) on 8 February 2025. UPI, Rupay Credit Card, HDFC Mobile Banking App and TPAP will not work during this period. Apart from this, merchant UPI transactions through HDFC Bank will also not take place.

How to register for UPI through mobile banking app?

To avail any UPI service, customers must first register for the service. You can register for UPI by following some simple steps given below on HDFC Bank website.

Step 1: Download the HDFC Mobile Banking App.
Step 2: Login using your Customer ID and Password.
Step 3: Click on Menu/Pay/UPI Payments from your registered mobile number.
Step 4: Then enter your UPI ID
. Step 5: Add your bank account to start UPI payments.

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Private sector ICICI Bank customers will now be able to do UPI transactions with their RuPay credit cards. This service has been started by the bank from December 1, 2023. Now customers can make UPI payments by linking their ICICI RuPay Credit Card to any UPI app including PhonePe, GooglePay and Paytm.

To whom do you pay? 

According to the information given by ICICI Bank, any person can transfer money from his RuPay credit card only from person to merchant. That means you can use it only for shopping. If you cannot transfer money to any person through this. 

How to make UPI payment through ICICI Rupay Credit Card?

To make payment through ICICI RuPay Credit Card, first of all you have to link your credit card through UPI app. After this, you can easily go to any merchant QR code and transact through UPI PIN. 

How to link ICICI Rupay Credit Card with UPI?

You can easily link ICICI Bank RuPay Credit Card to the UPI app. 

• For this, first of all you have to download the iMobilePay app of ICICI Bank. After this, open the app and go to ‘UPI Payment’. After this go to ‘Manage’ tab. 
• Now go to ‘My Profile’ and click on Create New UPI ID. 
• Select RuPay Credit Card here. Click on its procedure. After this, you can set the PIN and do UPI transaction. 

Transactions can be done with Rupay credit cards of these banks

Apart from ICICI Bank, you can also easily do UPI transactions using RuPay credit cards of Axis Bank, Kotak Mahindra Bank, SBI Card, HDFC Bank, ICICI Bank, Yes Bank, Bank of Baroda and Punjab National Bank. 

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The central bank has said that Unified Payment Interface (UPI) will be linked to pre-approved credit lines of all banks in the country. With the new UPI rules in place, borrowers will be able to use UPI to buy now, pay later, such as digital credit lines. This also includes the recent permission to link RuPay Credit Cards to UPI.

Customers will get these benefits

Now the question arises that how will the customers benefit from this. Let’s find out.

• Customers will not have to carry separate cards. You will be able to pay through UPI from your mobile only.
• Apart from this, time will also be saved. It takes some time to get a credit card. Credit line will be available immediately after approval.
• The point-of-purchase credit experience will be seamless. This can bring fast growth in BNPL sector.

Digital payments grew rapidly in the country with UPI

With the launch of UPI in the year 2016, there was a revolution in the world of digital payments. UPI gave the facility to transfer money directly to the bank account. Earlier there was a trend of digital wallet. There is a hassle like KYC in Wallet, while nothing like this has to be done in UPI.

Penau is a payment system similar to UPI developed by the Association of Banks in Singapore. RBI has the operation of RTGS and NEFT payment system in India. At the same time, National Payment Corporation of India (NPCI) operates systems like IMPS, RuPay, UPI.

Let us tell you that recently the facility to pay with prepaid wallet and Rupay credit card has been added to the UPI ecosystem. Therefore, now permission has been given to levy Prepaid Payment Instrument (PPI) fees. In this way it will be easy to make UPI payments through PPIs (credit cards and wallets etc.).

The post UPI New Facility: Now there will be no need of credit card, you will be able to borrow online like this first appeared on Rightsofemployees.com.