Using Rupay Credit card for all your UPI Payment is cool.Couple of weeks back I got my Tata Neu Plus credit Lifetime offer from Neu App. Got my approval in few seconds, sharing my Credit limit for another HDFC Card. Digital card can be accessed instantly from the app with temp limit of 5000.
Got card in 3 days.And limit was raised to maximum share credit limit .
Soon I added the card to BHIM UPI and Mobikwik. Using credit card instead of payment from savings account works flawlessly. You can have the convince of UPI and benefit of credit from card which is just awesome.I have used Mobikwik for UPI transaction using my HDFC Rupay card it works flawlessly.
At present Indian Bank, PNB, Union Bank and recently HDFC & Canara Bank have Rupay Card with UPI Payment support
You add/link your card to BHIM/Mobikwik app just like savings account and use for payment. At Shop when you scan QR just choose credit card from the payment option to complete your transaction as usual.
I noticed that UPI Payment doesn't works with some small vendors especially with phonepe QR code who have non merchant account, doesn't work at petrol pump as well.
You can also enjoy base reward points for UPI Payment as well as per base rewards.
Pros
- Convenience to use your credit card even with small vendors.
- You can use your credit limit more effectively rotate your cash flows.
- Enjoy your reward points & meet your milestones.
Con's
- Doesn't works with some QR code which is linked to non merchant account.
- Can't be used in petrol pump.
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