Linking UPI payments to a credit card earns reward points, cashback, and miles on every payment, which helps you benefit from regular spending. This method is not only safe and easy, but also helps boost your credit score.
UPI (Unified Payments Interface), a quick and convenient means of digital payment, has become extremely popular in India today. Linking your credit card to UPI can earn you reward points, cashback, or miles on every payment, making your regular spending more profitable. This method is more beneficial than using a debit card or net banking.
How to link credit card with UPI?
You can link your credit card to your UPI ID through your bank’s mobile app or any other UPI-supported app. Once linked, routine bill payments, online shopping, or sending money to friends will become easier and faster. Every eligible transaction will earn reward points or cashback, as per your card policy.
Benefits beyond rewards
Using UPI when making credit card payments not only rewards you, but also provides security, as every transaction requires your app PIN. You don’t have to repeatedly share your card number, reducing the risk of fraud. Furthermore, all your transactions are recorded in one place, making spending management easier.
Tips to Maximize Rewards
Each card’s reward points policy is different, so read your card’s terms carefully. Some cards offer higher rewards for subscriptions or bill payments. Plan your regular expenses strategically to double your rewards without overspending. Remember to make credit card payments on time, or interest may accrue, which will impact your savings.
Things to keep in mind
Some banks or apps may restrict certain credit cards for UPI payments or impose transaction limits. Additionally, there may be monthly or category-based reward points limits, so it’s important to keep an eye on these to avoid unexpected expenses and create a better payment plan.
This way, you can smartly convert your everyday spending into credit card rewards, making every payment worthwhile. This is a rapidly growing feature in the modern era, offering greater convenience and savings to customers.
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