Check step by step process to use VISA and MasterCard credit card for UPI transactions on various payment apps like Google Pay, PhonePe, Paytm, Amazon Pay and many more.  

Many banks like HDFC, ICICI, IndusInd, IDFC, Bank of Baroda and others are offering Virtual Credit Card on Rupay platform which will be linked to your existing Visa or Mastercard credit card. The card that you are already using will be the primary card and the virtual RuPay credit card will be the secondary card. 

The Virtual Rupay credit card will be an additional card to existing Visa and Mastercard credit card holders, which can be added to payment apps like Google Pay, Paytm, and PhonePe for making credit cards on UPI payments. The card can also be used for ECOM payments. The additional Rupay Virtual card will be issued with a shared limit with the existing Visa or Mastercard credit cards. For example Yes Bank is offering Virtual Rupay Credit Cards to all Visa and Mastercard credit card holders of YES Bank except NRI, Corporate, Commercial, Co-Branded, and Purchase credit card holders.

You can check with your bank whether you are eligible for a virtual RuPay credit card. You can apply for it if your bank offers one and then link that virtual card to UPI and transact as usual.

Also Know – How To Link Canara Rupay Credit Card For UPI Payments?

Features of Virtual RuPay credit cards on UPI

● Two separate statements: Since there were two cards one physical (VISA/Mastercard) and other virtual (RuPay) there would be two separate credit card transaction statements for both. The credit limits would however be shared between the virtual and physical card.”

● Reward points won’t be interoperable: The reward points earned by transacting on the virtual RuPay credit card would be separate from the reward point earned by transacting via the physical VISA/Mastercard credit card. Since there are two credit cards, there would be two reward points. The points cannot be sent from one card to another.

● Card controls & Manage: Even if the physical card (VISA/Mastercard) is blocked or canceled or not enabled for online or offline transactions it would not affect the virtual RuPay credit card. The virtual RuPay credit card would work as it is irrespective of the status of the physical card. The virtual RuPay credit card has its card control mechanism.”