How to Pay Your Credit Card Bill Using UPI in Minutes

With the rise of digital payments in India, Unified Payments Interface (UPI) has revolutionized the way people handle transactions. From small merchants to large-scale businesses, UPI has made payments seamless and instant. But did you know that you can also pay your credit card bills through UPI?

Gone are the days when you had to rely on net banking, cheque payments, or lengthy bank queues to clear your credit card dues. Now, with just a few taps on your smartphone, you can settle your credit card bills conveniently. Whether you are using Google Pay, PhonePe, Paytm, BHIM UPI, or your bank’s mobile banking app, the process is now faster and more efficient than ever.

In this article, we will guide you through different methods to pay your credit card bills via UPI, step-by-step instructions, and essential things to keep in mind while making payments.

Why Pay Credit Card Bills via UPI?

UPI offers multiple advantages when it comes to credit card bill payments. Some of the key benefits include:

• Instant Transactions – No more waiting for NEFT or cheque clearance. UPI ensures your payment is credited instantly.
• 24/7 Availability – Unlike traditional bank transfers, UPI is available round the clock, including weekends and public holidays.
• Safe & Secure – UPI transactions are protected with two-factor authentication, ensuring safety.
• No Additional Charges – Most banks and payment apps do not charge extra fees for credit card bill payments via UPI.
• Ease of Use – Simple, fast, and hassle-free payments directly from your mobile.
• Better Financial Management – With real-time transaction tracking, you can keep better control over your finances.
• No Dependency on Net Banking – If you don’t have net banking activated, UPI is a great alternative to make payments quickly.

Methods to Pay Credit Card Bills via UPI

There are multiple ways to pay your credit card bills using UPI. Here’s how:

1. Using Credit Card Issuer’s Mobile App/Website

Most banks in India allow credit card bill payments via UPI through their official apps or websites. Follow these steps:

Steps to Pay Through Bank’s App/Website:

1. Open your bank’s mobile app or website (e.g., SBI Card, ICICI iMobile, HDFC PayZapp, etc.).
2. Log in using your customer ID and password.
3. Navigate to the Credit Card Bill Payment section.
4. Choose UPI as the payment method.
5. Enter your UPI ID linked to your bank account.
6. You will receive a payment request on your UPI app.
7. Open the UPI app (Google Pay, PhonePe, Paytm, etc.), verify details, and authorize the payment.
8. Once confirmed, you will receive a transaction success message.

2. Using UPI Payment Apps (Google Pay, PhonePe, Paytm, etc.)

UPI-based apps like Google Pay, PhonePe, and Paytm allow direct credit card bill payments.

Steps to Pay via UPI Apps:

1. Open your preferred UPI app (Google Pay, PhonePe, Paytm, etc.).
2. Navigate to Bill Payments > Credit Card Payment.
3. Select your Credit Card Provider (HDFC, SBI, ICICI, Axis, etc.).
4. Enter your credit card number and verify the details.
5. Enter the bill amount and select UPI as the payment mode.
6. Choose your linked bank account and authorize the payment using UPI PIN.
7. You will receive a confirmation message upon successful payment.

Many apps also offer rewards, cashback, or discounts when you pay credit card bills through them, so keep an eye out for special offers!

3. Using Bharat Bill Payment System (BBPS) via UPI Apps

BBPS is a government-backed payment system integrated with many UPI apps, making bill payments simple and efficient.

Steps to Pay via BBPS:

1. Open Google Pay, PhonePe, Paytm, or any UPI app that supports BBPS.
2. Go to Bill Payments > Credit Card Bills.
3. Select the Credit Card Provider.
4. Enter the credit card number and verify.
5. Enter the bill amount.
6. Pay via UPI-linked bank account.
7. Receive confirmation upon successful transaction.

4. Scanning UPI QR Codes Provided by Banks

Some credit card issuers provide a UPI QR code for bill payments.

Steps to Pay via UPI QR Code:

1. Open your UPI app.
2. Select Scan & Pay.
3. Scan the QR code provided by your credit card issuer.
4. Enter the bill amount.
5. Select your bank account and authorize the payment.
6. Receive confirmation once payment is processed.

Common Issues and Troubleshooting

1. UPI Payment Fails – What to Do?

• Ensure you have sufficient balance in your bank account.
• Check if you have entered the correct credit card details.
• Verify whether the UPI ID is correctly linked.
• Retry after a few minutes if there is a server issue.
• Contact your bank if the issue persists.

2. Payment Not Reflected in Credit Card Statement

• Credit card payments may take up to 24 hours to reflect in your account.
• If the payment is deducted but not credited, contact your bank’s customer care with the transaction ID.

Which Banks Allow Credit Card Bill Payments via UPI?

Most leading banks in India support UPI for credit card bill payments, including:

• SBI Card
• HDFC Bank
• ICICI Bank
• Axis Bank
• Kotak Mahindra Bank
• IndusInd Bank
• Yes Bank
• Bank of Baroda
• IDFC First Bank

Each bank may have a slightly different process, so it’s best to check their official website or app for detailed instructions.

Conclusion

With the growing adoption of UPI in India, paying your credit card bills has never been easier. Whether you use your bank’s app, a UPI payment app like Google Pay or PhonePe, or the BBPS platform, the process is seamless, instant, and secure.

By following the methods outlined above, you can efficiently manage your credit card payments, avoid late fees, and maintain a good credit score. Start using UPI for your credit card bill payments today and experience the convenience of digital transactions.