Ab Credit Card se bhi UPI! RuPay card ko UPI se link karke QR scan karo aur reward points kamao
Aaj kal har dukaan, café, aur thele tak par UPI QR code laga hota hai. Lekin kya aap jaante hain — ab aap apne credit card se bhi UPI payment kar sakte hain, woh bhi bina cash ya bank balance ke? Bas shart ek hai: aapka card RuPay network ka hona chahiye.
Yeh India ke sabse zyada search kiye jaane wale credit-card topics me se ek ban chuka hai — aur sabse achhi baat? Ismein aapko credit card ke reward points bhi mil sakte hain.
RuPay Credit Card on UPI — hai kya?
NPCI ne RuPay credit cards ko UPI se link karne ki suvidha de di hai. Matlab:
- Apne RuPay credit card ko Google Pay, PhonePe, BHIM ya Paytm me add karo
- Kisi bhi dukaan ka UPI QR scan karo aur credit card se pay karo
- Na physical card nikalna, na account me paisa hone ki zaroorat
Pehle UPI sirf aapke bank account se chalta tha. Ab credit card bhi UPI ka hissa ban gaya hai — yahi badlaav ise itna popular bana raha hai.
Faayde kya hain?
- 💳 Cash/balance ki tension nahi — account khaali ho tab bhi credit limit se pay karo
- 🎁 Reward points — kai banks UPI credit spends par bhi points/cashback dete hain (card ke hisaab se)
- 🕐 Interest-free period — credit card ki tarah, bill due date tak interest nahi (agar full payment karo)
- 📍 Har jagah — chhoti dukaan se badi shop tak, jahan UPI QR hai wahan chalega
Link kaise karein (sirf 2 minute)
- Google Pay / PhonePe / BHIM / Paytm kholo
- "Bank account / Cards" section me jao → "RuPay Credit Card" add karo
- Card verify karo (OTP)
- UPI PIN set karo
- Bas! Ab koi bhi QR scan karke payment source me credit card choose karke pay karo
Dhyaan rakhne wali 4 baatein
- Abhi sirf RuPay credit cards UPI pe chalte hain (Visa / Mastercard nahi)
- Merchant payments (dukaan / QR) allowed hain; person-to-person credit-card UPI transfer aam taur par allowed nahi
- Reward eligibility har bank/card par alag — kuch spends (rent, fuel, wallet load) exclude ho sakte hain. Apne bank se confirm karein
- Ise credit card ki tarah hi treat karein — bill time par bharo, warna interest + late fee lag sakta hai
CardWiz tip
Agar aapke paas RuPay credit card hai, toh chhoti-moti UPI payments bhi card se karke reward points bana sakte ho — bina koi extra mehnat. Bas har mahine bill pura bharna na bhoolein. Aur kis card se kahan sabse zyada reward milega — yeh CardWiz checkout par turant bata deta hai.
Yeh general jaankari hai. Exact reward rate, eligibility aur charges aapke card aur bank ki terms par depend karte hain — apne issuer se confirm karein. CardWiz aapka card number / CVV kabhi store nahi karta.