Here Is Why You Should Opt For UPI Payments Via Credit Cards

Today, you can pay for purchases with a credit card, either online or at a physical store. You can also opt for contactless payment via the Unified Payments Interface (UPI) through a mobile application, which was impossible just a few decades ago. With so many convenient payment options available, you are spoilt for choice. You can also now enjoy the best of both worlds by linking your credit card to your UPI.

When you link your credit card to UPI, you can enjoy the following advantages:

1. Wider Accessibility

While finding PoS machines at all merchant establishments might be difficult, the same is not true for UPI. Even smaller shops and service providers have QR codes or mobile numbers to which you can pay UPI. Thus, you can make better use of the credit line extended to you and pay for your purchases no matter how big or small the establishment is.

2. One-time Linking

Linking your credit card to UPI is a one-time process. Once you have linked the two, initiating payments hardly takes seconds. Thus, you do not need to remember lengthy passwords to input details. With a few taps, you have paid via your credit card.

3. Contactless

In today’s times, contactless payments have become more valued than ever before. Paying with a credit card still requires you to touch a machine and punch in buttons. However, when you link your card to UPI, you can use those funds to pay without contact. You simply have to scan a QR code, authenticate the payment, and you are done!

4. Rewards

Since UPI is more accessible, you tend to use it more often. When you link your credit card with the same, the frequent usage also enables you to collect more reward points. Thus, you can redeem more points to access exciting rewards and perks. Often, the perks include cashback, discounts, airport lounge access, fuel waivers, etc.

When you link your credit card to your UPI, you can make payments using the credit line extended to you via the UPI mobile application. Since your credit card details are saved, you only need to enter the CVV and verify using a one-time password (OTP), and you can pay for your purchases.

You can link your credit card to UPI apps such as Google Pay, PhonePe, Paytm, etc. The process for linking the credit card will depend on the bank issuing the card. Once you have linked your credit card, you will receive a message confirming the same.

Does linking your credit card to UPI and making seamless payments sound appealing to you? If so, the HDFC Bank MoneyBack+ Credit Card is right up your alley. It is apt for daily use and offers an excellent rewards and redemption programme. Plus, you can avail of cashback, offers, and waivers, making it a great choice to link with your UPI app.

Link your HDFC Bank Credit and Debit Cards to PayZapp and make payments with a single swipe; you don't have to wait for OTPs. What's more, you can link your UPI-enabled HDFC Bank Credit Cards and enjoy the convenience of swipe-to-pay and ease of UPI payments simultaneously. Scan QR codes and make UPI payments via Credit Card. Download PayZapp now and register using your mobile number.

Click  here to apply for the HDFC Bank MoneyBank+ Credit Card today!

Looking To Apply a Credit Card? Click Here.

*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals are subject to documentation and verification per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.