How to Link SBI RuPay Credit Card to UPI in 5 Simple Steps

Linking your SBI RuPay credit card to UPI can streamline your payment process, making transactions seamless and efficient. Unified Payments Interface (UPI) has transformed digital payments in India, and by connecting your RuPay credit card, you can leverage its benefits for a smoother financial experience. This blog will guide you through the process of linking your SBI RuPay credit card to UPI in five simple steps.

1. Download a UPI-Enabled App

Choosing the Right App

Selecting a UPI-enabled app that supports RuPay credit cards is essential. Popular options include Google Pay, PhonePe, and BHIM. Ensure the app is downloaded from a trusted source, such as the Google Play Store or Apple App Store.

Installing the App

Search for the app in the app store.

Click on ‘Install’ and wait for the installation to complete.

Open the app once installed.

2. Register on the UPI App

Setting Up Your Profile

Open the UPI app and click on ‘Register’.

Enter your mobile number linked to your bank account.

Verify the number through an OTP sent to your mobile.

Creating a UPI ID

Create a unique UPI ID (e.g., yourname@upi).

Set a secure UPI PIN that will be used for transactions.

3. Link Your Bank Account

Selecting Your Bank

Navigate to ‘Add Bank Account’ in the app.

Select ‘State Bank of India’ from the list of banks.

Verifying Your Account

The app will automatically fetch your account details linked to your mobile number.

Verify your account by entering the last six digits of your debit card and the expiry date.

4. Add Your SBI RuPay Credit Card

Accessing the Card Section

Go to the ‘Add Card’ section within the UPI app.

Select ‘Credit Card’ as the type of card to be added.

Entering Card Details

Enter your SBI RuPay credit card number, expiry date, and CVV.

Verify your card through an OTP sent to your registered mobile number.

Linking the Card

Confirm the linking of your credit card with the UPI app.

Your SBI RuPay credit card is now linked to UPI.

5. Start Using Your Linked Credit Card for UPI Payments

Making Payments

Choose the ‘Pay’ option in the UPI app.

Enter the recipient’s UPI ID or scan their QR code.

Select your SBI RuPay credit card as the payment method.

Enter your UPI PIN to complete the transaction.

Checking Transaction History

Access ‘Transaction History’ in the UPI app.

Review the payments made using your linked credit card.

Also Read: Amazon Pay ICICI Credit Card Limit: Understanding and Managing Your Limit

Conclusion

Linking your SBI RuPay credit card to UPI can simplify your financial transactions, offering convenience and speed. By following these five simple steps, you can seamlessly integrate your credit card with UPI, enhancing your digital payment experience. Enjoy the benefits of UPI with the added advantage of using your RuPay credit card.

FAQs

Can any UPI app be used to link my SBI RuPay credit card?

Yes, most UPI-enabled apps like Google Pay, PhonePe, and BHIM support linking RuPay credit cards.

Is it safe to link my credit card to UPI?

Yes, it is safe to link your credit card to UPI, provided you use a trusted UPI-enabled app and follow security protocols.

Are there any charges for using my RuPay credit card with UPI?

Typically, there are no additional charges for using your RuPay credit card with UPI, but it is advisable to check with your card issuer for any specific terms.

What should be done if my card is not linking?

Ensure that your card details are entered correctly and that your mobile number is registered with your bank. If issues persist, contact your bank’s customer service.