The Unified Payments Interface (UPI) now supports RuPay credit cards thanks to Google Pay and the National Payments Corporation of India (NPCI). Users can now pay at all online and offline merchants that accept RuPay credit cards by linking their RuPay credit cards to Google Pay.

 

According to a corporate release, the feature is now accessible to RuPay credit card customers of Axis Bank, Bank of Baroda, Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, and Union Bank of India. "This feature will give Google Pay users more flexibility and choice in making payments, as well as drive greater adoption of digital payments in the country," said Sharath Bulusu, Google's Director of Product Management.

 

Users must first link their RuPay credit card to Google Pay in order to get started. By choosing the "RuPay credit card on UPI" option on their profile, users can choose the bank that provided their RuPay credit card. The final step is for consumers to create a special UPI PIN by entering their bank's OTP, the last six digits of their card number, and the expiration date.

 

"The integration of RuPay Credit Card on UPI delivers a remarkable user experience by seamlessly combining the convenience of UPI with the benefits of RuPay Credit Card," said Nalin Bansal, NPCI's Chief Relationship Management and Key Initiatives, Corporate Business.

 

The Reserve Bank of India (RBI) gave its approval for the connection of RuPay credit cards to the UPI network in June 2022. The number of UPI transactions reached 8.7 billion in March, according to the NPCI, which also saw a considerable increase in monthly transaction volume. Over 74 billion transactions of Rs 125.94 trillion were made using UPI in calendar year 2022, according to NPCI data.