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

How To Add Credit Card To UPI App

Table of Content

  1. Google Pay: The Secure, User-Friendly Option
  2. PhonePe:
  3. PayTM
  4. Kiwi
  5. Amazon Pay:
  6. BHIM:

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.

1. Google Pay: The Secure, User-Friendly Option

With its intuitive interface and wide acceptance, Google Pay emerges as a top contender for UPI transactions. Integrating your credit card expands the scope of payments and takes advantage of Google Pay’s security features.

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

  1. Launch the Google Pay app on your smartphone and sign in.
  2. Navigate to the ‘Payment methods’ or ‘Add card’ section, usually found in settings or your profile.
  3. Choose ‘Credit or debit card’ and enter your card details: number, expiration date, and CVV.
  4. Verify your identity through an OTP sent to registered mobile devices or by entering your UPI PIN.
  5. Optional: Set a credit card as the default payment method

Key Facts About Google Pay

  • There are over 120 million monthly active users in India.
  • Supports NFC contactless payments through phones with enabled hardware.
  • Provides transaction insurance of up to ₹1 lakh in cases of fraud.
  • Offers rewards through Scratch Cards and Spot Platform challenges.
  • Uses tokenization and other encryption methods for enhanced security.

2. PhonePe:

PhonePe stands out for its extensive features and smooth credit card integration process. Follow these steps to add your card:

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

  1. Launch the PhonePe application on your mobile device.
  2. Go to the ‘Payment Methods’ section and select ‘View All Payment Methods’.
  3. Under ‘Debit/Credit Cards’, tap on ‘Add New’.
  4. Input your credit card details including the card number, CVV (Card Verification Value), expiration date, and any other required information.

Key Facts About PhonePe

  • There were over 500 million registered users as of November, 2023, as announced by the platform itself. (
  • Supports payments via UPI, wallet, and credit cards.
  • Provides free insurance cover up to ₹1 lakh on payments.
  • Offers rewards through the PhonePe Switch platform.
  • Uses AI to detect fraudulent transactions.
  • Seamless integration with major banks and card providers.

3. PayTM

As an early innovator in digital payments, PayTM also enables easy credit card linkage. Follow these steps:

How to Link a Credit Card to PayTM

  1. Begin by launching the ‘Paytm’ mobile application.
  2. Locate and tap on your profile picture positioned at the top left corner of the screen.
  3. Select the ‘Payment Settings’ option from the menu.
  4. Navigate to the ‘Saved Cards’ section.
  5. Tap on the ‘Add New Card’ option.
  6. A popup will appear, notifying you that Paytm will debit a certain amount (Rs. [amount]).

Key Facts About PayTM

  • As of August 2023, average monthly users of PayTM stand at 93 million. (Paytm monthly users increase by 19% to 9.3 crore)
  • A pioneer in mobile wallet payments since 2010.
  • Supports credit card rewards transfer to the PayTM wallet.
  • Offers personalized deals, cashback, and transaction insurance.
  • Partners with major banks to enable credit card linking.

4. Kiwi

Now, let’s turn our attention to the emerging player in the UPI space, Kiwi. What sets Kiwi apart is its unique rewards system. With Kiwi, you can add a Credit Card To UPI to expand your payment options and take advantage of the rewards and cashback programs offered by various UPI apps.

  1. Install the Kiwi app: Begin by installing the Kiwi app from your preferred app store and creating an account.
  2. While installing, you can select the link option after entering the phone number only. If already installed, you’ll get an option on the home screen.
  3. Enter your credit details: Enter your credit information as Kiwi requests.

Kiwi’s guaranteed rewards make it an attractive choice for those seeking additional benefits alongside the convenience of UPI transactions.

5. Amazon Pay:

For regular Amazon users, linking their cards to Amazon Pay unlocks exclusive perks. Follow these steps:

How to Link a Credit Card to Amazon Pay

  1. Open the Amazon app and go to the ‘Amazon Pay’ section.
  2. Select ‘Add Money’ or ‘Add Credit/Debit Card’.
  3. Input card details and authenticate with an OTP or UPI PIN.

Key Benefits of Linking a Card to Amazon Pay

  • Rewards for Prime members include cashback and discounts.
  • Seamless checkout experience on Amazon shopping.
  • Tracks all Amazon-related expenses in one place.
  • Additional cashback offers from partner merchants.
  • Supports NFC contactless payments.

6. BHIM:

BHIM, sponsored by the Indian government, also allows credit card linkage through these simple steps:

How to Link a Credit Card to the BHIM App

  1. Open the BHIM app and log in.
  2. Go to ‘Bank Accounts’ or ‘Add Payment Method’.
  3. Select ‘Credit Card’ and fill in the required card details.
  4. Verify by entering an OTP or UPI PIN.

Key Features of BHIM

  • Launched in 2016, it aligned with the Digital India initiative.
  • Over 140 million downloads as of January 2023.
  • Supports a wide range of Indian languages.
  • Enables quick money transfers without disclosing details.
  • Includes merchant payments and bill payment features.
  • The RBI regulates secure transactions.

Common Tips for All Apps

Linking your card to any UPI app requires attention to some universal tips:

  • Ensure a sufficient balance in the bank account linked to UPI.
  • Regularly update the app and card details.
  • Contact customer support if issues arise during the linking process.
  • Use strong, unique passwords, and enable two-factor authentication for enhanced security.
  • Monitor transactions regularly to detect unauthorized activity.
  • Keep devices secure with lock screens and biometric logins.
  • Beware of phishing attempts falsely claiming to be from a UPI provider.


Linking your credit card expands the scope of seamless digital payments via UPI apps. Stay informed about the latest app updates and features. Embrace this payment revolution securely for managing finances conveniently at your fingertips. Happy swiping and prospering!