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How To Add Credit Card To UPI App: Make Payment More Convenient Using Credit Card

Table of Content

Google Pay: The Secure, User-Friendly Option

Step-by-Step Guide to Adding a Credit Card to Google Pay

Key Facts About Google Pay

PhonePe:

Step-by-Step Guide to Adding a Credit Card on PhonePe

Key Facts About PhonePe

PayTM

How to Link a Credit Card to PayTM

Key Facts About PayTM

Kiwi

Amazon Pay:

How to Link a Credit Card to Amazon Pay

Key Benefits of Linking a Card to Amazon Pay

BHIM:

How to Link a Credit Card to the BHIM App

Key Features of BHIM

Common Tips for All Apps

Summary

In recent years, the Unified Payments Interface (UPI) has revolutionized digital payments in India. With over 340 million registered users and 5 billion monthly transactions, UPI apps have become the preferred choice for instant, contactless payments. RuPay cards are used on UPI apps as it’s India’s own multinational financial services and payment service system.

Linking your Credit Card to leading UPI apps unlocks new possibilities and flexibility in managing finances. This comprehensive guide explores step-by-step processes to add your credit card to popular apps including Google Pay, PhonePe, Paytm, Amazon Pay, and BHIM. Follow along to link your credit card with UPI and enjoy the rewards, cashback, and conveniences these platforms offer.

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Make UPI Payment Using RuPay Credit Card

Digital payments have become an indispensable part of our everyday lives. With the rise of the Unified Payments Interface (UPI) and RuPay credit cards in India, making digital payments has become faster, easier, and more rewarding than ever before. 

This article provides a simple guide to understanding UPI payments, RuPay credit cards, and how platforms like Kiwi are enhancing the user experience.

What is UPI, and How Does It Work?

UPI, or Unified Payments Interface, is a system that allows instant transfers of money between bank accounts using a smartphone.

It uses a unique UPI ID or mobile number as an account number to transfer funds in real-time.

UPI is built on top of the IMPS infrastructure and allows you to instantly pay or receive money without entering any bank details.

To use UPI, you need to have a bank account and a UPI-supported app like BHIM, PhonePe, Google Pay, Kiwi, Paytm, Kiwi and many more.

UPI has made digital transactions very easy, even for those who are not tech-savvy or don’t use cards.

Key Points About UPI

Instant money transfer system using a mobile phone

Uses a unique UPI ID or mobile number as an account number.

Transfers money in real-time without bank details

Needs a bank account and a UPI-enabled app

Makes digital payments easy for everyone.

How to Make UPI Payments: A Simple Step-by-Step Guide

Here is a quick 5-step guide to making seamless UPI payments:

Download a UPI app like BHIM, PhonePe, Google Pay, Kiwi etc.

Sign up by adding your bank account details.

Create a UPI ID (virtual payment address).

Enter the receiver’s UPI ID, phone number and bank details when sending money.

Transfer money in a few simple taps using your UPI PIN.

That’s it! UPI has made transferring money as easy as sending a text on your phone.

Understanding RuPay Credit Cards

RuPay is India’s very own domestic card payment network, backed by the National Payments Corporation of India (NPCI).

Some key facts about RuPay credit cards:

Lower cost than international card networks like Visa and Mastercard.

Promotional offers and cashback to encourage digital payments.

Integrated seamlessly with UPI for easy payments.

RuPay credit cards provide a low-cost, rewarding, and secure option for Indian consumers to go digital, especially for domestic transactions.

Linking RuPay Cards to Make UPI Payments

RuPay credit cards can be easily linked to UPI apps to make quick payments using funds from your credit limit. The steps are straightforward:

Go to your UPI app’s ‘Add Card’ section.

Choose RuPay and enter the card details.

Set a UPI PIN for the card.

Accept the terms and conditions.

Authenticate with an OTP.

Your RuPay credit card will now show as a payment option during transactions. UPI facilitates payments from cards in a highly seamless manner.

How to Make UPI Payments from a RuPay Credit Card?

Follow these simple steps to pay via UPI using your RuPay credit card:

Open your UPI app.

Enter payee details and the amount.

Choose a linked RuPay card as the payment method.

Enter a UPI PIN for authentication.

Confirm the transaction in a few seconds.

This instant, round-the-clock payment facility eliminates the need to carry cards or cash. The RuPay-UPI combination offers the best of both worlds.

Top Apps to Use the RuPay-UPI Combination

Several UPI apps allow linking RuPay cards seamlessly. Some popular options are:

PhonePe: simple interface, offers, and cashback

Google Pay: Prevalent, easy to use

Kiwi: Sime to use UPI credit card

BHIM: Backed by the government, competent

Paytm has a wide network of merchants.

Cred: focused on card payments and rewards

However, Kiwi stands out with its innovative approach and focus on the user experience.

Introducing Kiwi: Taking UPI-RuPay Payments to the Next Level

Kiwi is an app that aims to make RuPay-UPI payments even more rewarding and hassle-free for consumers. Here’s an overview of its offerings:

Provides an instant virtual RuPay credit card enabled for UPI

Zero joining and annual fees for complete transparency

Cashback rewards and bonuses tailored for RuPay users

Builds on UPI’s simplicity with an easy-to-use interface

Top-notch security standards for safe transactions

Available on both Android and iOS platforms

Kiwi combines the pros of RuPay, UPI, and virtual cards into one powerful platform.

Using the Kiwi App for RuPay-UPI Payments: A Tutorial

Here is a step-by-step guide on using Kiwi for simplified RuPay-UPI payments:

Download the Kiwi app from the Play Store or App Store.

Sign up and link your RuPay credit card to get a virtual card.

For payments, enter payee details and the amount in the app.

Choose your virtual RuPay card to pay via UPI.

Authenticate using your Kiwi app credentials.

Get rewarded with cashback for payments!

Kiwi accelerates the RuPay-UPI payment process while also rewarding users, creating a win-win proposition.

Why Choose Kiwi for RuPay-UPI Payments?

Here are some compelling reasons why Kiwi scores over other apps when it comes to the RuPay-UPI combination:

Instant issuance of a virtual card means no waiting period.

Exclusive rewards and promotions for RuPay users

Completely transparent with no hidden charges

Top-level security for safe transactions

Intuitive and easy-to-use interface

Uses UPI’s full potential by integrating it with RuPay.

Creates a seamless ‘card-less’ payment experience

Kiwi unlocks the full potential of RuPay-UPI synergy for consumers seeking easier, faster, and more rewarding payments.

Conclusion

UPI and RuPay, together, have accelerated India’s transition into digital payments. Kiwi takes this experience to the next level for consumers by:

Combining the strengths of UPI and RuPay into one platform

Adding an extra layer of convenience with instant virtual cards

Offering exclusive rewards and cashbacks for loyal users

Focusing on transparency, security, and the user experience

So if you want to enjoy the best of what RuPay and UPI have to offer, give Kiwi’s innovative solution a try today!

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A Complete Guide to Virtual Credit Cards in India

In the dynamic world of digital finance, virtual credit cards have emerged as a revolutionary solution, providing users with enhanced security and flexibility. As we navigate the evolving landscape of financial technology, understanding the ins and outs of virtual credit cards becomes increasingly crucial. Here we aim to illuminate the path, introducing you to the concept, benefits, and practical steps to leverage virtual credit cards in India.

Understanding Virtual Credit Cards

Virtual credit cards are digital representations of traditional credit cards designed for online transactions.

Unlike physical cards, virtual credit cards exist only in electronic form, offering a unique set of advantages tailored to the digital era.

Functioning similarly to their physical counterparts, virtual credit cards are generated through banking platforms or financial apps and are linked to your primary credit card.

Each virtual card comes with a unique set of credentials, including a card number, expiration date, and CVV, 

In some cases, these can also be a one-time-use or limited-use card.

Key Facts

No physical card is issued, only digital credentials

Generated through banking apps or platforms

Linked to primary credit card

Have distinct card number, expiry, CVV for each transaction

How Do They Work?

The mechanics of virtual credit cards mirror those of physical cards, but with an added layer of security.

These cards are typically generated through banking platforms or financial apps, linked to your primary credit card.

Each virtual card comes with distinct credentials, including a card number, expiration date, and CVV, providing users with a secure and versatile means of conducting online transactions.

Key Details

Generated via banking apps and platforms

Connected to primary credit card

Have unique card number, expiry, CVV for each transaction

Allow secure online purchases

Benefits of Virtual Credit Cards

Enhanced Security

Virtual credit cards provide an extra layer of security as they are not physical entities that can be misplaced or stolen.

Protection Against Fraud

Virtual credit cards, with their transaction-specific use and limited validity, are less prone to fraud than checks, as their details lose value outside the intended transaction.

Control Over Spending

Virtual credit cards allow you to set specific spending limits and expiration dates, giving you better control over your finances. This feature is particularly useful for online subscriptions or one-time purchases.

Privacy Safeguard

When making online purchases, your primary credit card details remain restricted to specific merchants and certain spending limits. Virtual credit cards act as a shield, keeping your sensitive information secure from potential data breaches. 

Key Benefits

Enhanced security compared to physical cards

Less prone to fraud due to limited validity

Greater spending control via limits and expiry dates

Protects privacy by not exposing primary card info

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There was a time not too long ago when RuPay credit cards were barely an afterthought in India’s booming digital payments industry. Dwarfed by mighty global brands like Visa and Mastercard, humble RuPay cards were relegated to the sidelines.

My, how times have changed! Over the past decade, RuPay has scripted a remarkable turnaround tale. From a little-known also-ran, RuPay has catapulted to stardom, giving its mighty foreign rivals a run for their money.

This dramatic change in fortunes begs the question: What catapulted an obscure homegrown payment network into the big league? 

What made RuPay strike a chord with millions of Indian consumers when fancier foreign cards already existed?

As it turns out, RuPay cards are packed with a host of compelling advantages, custom-made for the needs of regular Indian shoppers, travelers, and businesses. The RuPay value proposition offers the perfect mix of fees, features, security, and payment technology that provides an edge compared to ordinary Visa and Mastercard options.

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Top 5 Benefits Of Using RuPay Credit Card

There was a time not too long ago when RuPay credit cards were barely an afterthought in India’s booming digital payments industry. Dwarfed by mighty global brands like Visa and Mastercard, humble RuPay cards were relegated to the sidelines.

My, how times have changed! Over the past decade, RuPay has scripted a remarkable turnaround tale. From a little-known also-ran, RuPay has catapulted to stardom, giving its mighty foreign rivals a run for their money.

This dramatic change in fortunes begs the question: What catapulted an obscure homegrown payment network into the big league? 

What made RuPay strike a chord with millions of Indian consumers when fancier foreign cards already existed?

As it turns out, RuPay cards are packed with a host of compelling advantages, custom-made for the needs of regular Indian shoppers, travelers, and businesses. The RuPay value proposition offers the perfect mix of fees, features, security, and payment technology that provides an edge compared to ordinary Visa and Mastercard options.

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How To Add / Link Rupay Credit Card With UPI On Kiwi: Enhance Your Convenience & Security

The current era is the digital era and financial transactions have become much more seamless and convenient these days. In India, Unified Payment Interface has emerged as a revolutionary payment system, allowing users to instantly transfer money between bank accounts using their smartphones. One of the many ways with which you can link RuPay credit cards with UPI is Kiwi. It is a popular platform that offers a variety of payment options including credit cards to its users to enable transactions. It will vastly improve your experience on UPI platforms. We will look into all the important  details regarding Kiwi here. This guide will walk you through the step-by-step process of adding or linking your RuPay credit card to UPI with Kiwi. 

Understanding RuPay Credit Cards and UPI

Before delving into the process, it’s important to understand the factors involved. RuPay is an indigenous payment network in India, offering credit, debit and prepaid cards. The card is accepted at most offices and online portals in the country. On the other hand, UPI is a real-time payment system developed by the National Payments Corporation of India (NPCI), which allows users to instantly transfer funds between bank accounts using mobile devices. Majority of UPI applications in India prefer RuPay for the fact that it was indigenously built in India by NPCI back in 2014. If we talk about debit cards specifically, RuPay has issued more than 70 crore cards in India as of July, 2023. 

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Introduction to Credit Cards Linked To UPI: Everything That You Should Know About It

Unified Payments Interface (UPI) credit cards bring to you a fusion of outstanding price systems in India – UPI and credit cards. As you know, credit cards and UPI have their own respective benefits. As of November 2023, there are more than 300 million UPI users in India and the number of credit card users is soon to hit the 100 Million mark, as per RBI. Both are immensely successful and popular platforms and bringing them together will give you the convenience of UPI along with purchasing power of credit cards. In this simple guide, we’ll explore what RuPay credit cards linked to UPI are, how they function, their advantages, and concerns for customers. You will have a holistic point of view regarding them by the end of this article. 

What are Credit Cards Linked To UPI?

RuPay credit cards linked to UPI are a kind of fee card that integrates the functionality of UPI with conventional credit card capabilities. These cards are issued by way of banks and financial establishments and are related to the consumer’s UPI ID or virtual charge address (VPA). They allow users to make purchases at merchant retailers, and online shops, and manage such transactions via the UPI ecosystem effortlessly. The scope of activities that you can perform with the help of credit cards linked to UPI is vast. 

How do credit cards linked to UPI work?

RuPay credit cards linked with UPI work in similar lines as traditional credit cards, but with the added advantage of UPI technology. While shopping, users can make the payment using their UPI account through credit card. The transaction is authenticated using the UPI PIN associated with the user’s VPA. The UPI system is used to process the payments, which provides a secure and efficient payment experience. The best part about it is that you don’t have to carry the credit card everywhere. Therefore, you don’t even have to worry about whether you have lost your credit card or not. 

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RuPay Credit Cards are essential for building a new India : Empowering Financial Inclusion and Beyond

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We are committed to keep your data secure, your private information private and being transparent about our practices. We adhere to the best practices to secure information collected from You.

GOKIWI TECH PRIVATE LIMITED, having its registered office at A-101, Tower 5, Plot 8P-T, T-5, Diero, Lodha New Cuffe Parade, Antop Hill, Mumbai – 400037 and its corporate office at 1st floor, 1515 Urban, 19th Main Road nearby Hustlehub, Vanganahalli, Bengaluru Urban, Karnataka – 560034 (“Company” or “we” or “us” or "our"), is the owner of the website domain at  https://gokiwi.in/, https://getapp.gokiwi.in/, https://apply.gokiwi.in/ and https://kiwicard.co.in/  and mobile application titled “Kiwi: Rupay Credit Card on UPI” available on the Google Play Store/Apple Play Store at [ https://play.google.com/store/apps/details?id=in.gokiwi.kiwitpap&source=gokiwi and https://apps.apple.com/in/app/kiwi-rupay-credit-card-on-upi/id6449386307?source=gokiwi] , respectively (collectively referred as “Platform”) and any service availed by Users (hereinafter referred to as “you”, “your” or “User”) through the Platform is conditioned upon your acceptance of the terms and conditions contained in Terms of Service as available on Platform and this privacy policy (“Privacy Policy”). This Privacy Policy shall apply to any person who visits, browses, uses or accesses the Platform or use any Services on the Platform.

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Terms and Conditions

Privacy Policy

Cookie Policy

Rewards Policy

Individual Consumer Consent

Unified Payment Interface (UPI)

NPCI Transaction Limit Check

Grievance

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Terms and Conditions

Privacy Policy

Cookie Policy

Rewards Policy

Individual Consumer Consent

Unified Payment Interface (UPI)

NPCI Transaction Limit Check

Grievance

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Office Address 1st floor, 1515 Urban, 19th Main Road , nearby Hustlehub, Vanganahalli, Bengaluru, Karnataka – 560034

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A new way to pay that combines the benefits of a Credit Card with the convenience of UPI payments.

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RuPay Credit Cards are essential for building a new India : Empowering Financial Inclusion and Beyond

A RuPay Credit Card, it’s nice to have one. It’s a nifty thing. It’s natural that we know the genesis and impact of the thing that can have a huge footprint in you financial future .

In recent years, RuPay credit cards have emerged as a game-changer in the Indian financial landscape. By offering a domestic payment network that rivals international card schemes. As far as payments, services, and ease of use is concerned, India has gone truly global.

Developed by the National Payments Corporation of India (NPCI), RuPay has witnessed significant growth, transforming the way Indians transact and manage their finances. In this comprehensive blog post, we will explore the rise of RuPay, understand what a RuPay credit card entails, delve into the advantages it brings to cardholders, and examine its impact on financial inclusion and digital payments in India.

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Top 10 benefits of RuPay Credit Cards: Why it should be your First Choice??

Credit cards have become a regular part of how we manage our everyday spending. With so many options available, deciding which will best fit your needs can be difficult. Among these choices is the RuPay credit card, a relatively new but fast-growing option in digital payments. RuPay credit cards have gained much attention since their launch in 2017. They’re user-friendly, affordable, and carry a multitude of benefits. But what exactly sets a RuPay credit card apart from others?

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The UPI (Unified Payments Interface) payments revolution in India has been led by innovative apps that allow you to seamlessly connect your credit/debit cards. Choosing the right UPI app to link your Rupay card can optimize your payment experience.

With digital payments exploding in India, the space is crowded with feature-rich apps vying for your attention. This makes picking the best UPI partner for your Rupay card a challenging task. However, a wise selection that aligns with your payment needs can take your Rupay card’s potential to the next level.

I have compiled this guide to the top 7 best UPI apps to connect your Rupay Credit Card to, based on key parameters to simplify your decision.

Why UPI Apps Offer Better Rupay Card Experience?

Google Pay

PhonePe

Amazon Pay

Paytm

BHIM

Kiwi

Axis Pay