Today, there’s no need to stress about thinking, ‘How to use credit cards for UPI payments?’ Thanks to the advancements in the digital payment industry, the process is effortless. Through UPI, you can easily transfer funds directly from your bank account to another individual’s bank account.
However, as credit card payments become increasingly popular, you should know the common mistakes to avoid. Not doing this can lead to loss of data and finances. Here’s all you need to know about it.
Using Birth Dates and Sequential Numbers as PIN
You may want to set PINs and passwords which you can easily remember. More often than not, these are sequential numbers and birth dates. The downside to this is that they are easily guessable for scammers who have even the slightest access to your data.
Since your UPI PIN is the final step in authorising the transaction, you must do everything you can to keep it from falling into the wrong hands. So, use non-consecutive numbers and non-personal details.
Linking Credit Cards with Unauthorised Apps
UPI transactions can be done through various apps, but not all are authorised. So, don’t make the mistake of not verifying the app’s authenticity before installing it from the Play Store or App Store. If you link your credit cards to these unauthorised apps, you inadvertently give hackers access to your data.
Check the ratings and customer reviews to know what users think about the app. You should also ensure that you are downloading the app from a trusted developer.
Not Verifying Payee Details
Fraudsters asking to make UPI payments in their accounts are very common nowadays. Innocent people fall prey to such incidents now and then. Why? Because they use fake emails, text messages, or websites that seem like real UPI apps or banks. They dupe you into disclosing your UPI PIN or other personal information, which they then use to steal money.
One way to avoid this is to verify the details before you make a credit card payment through UPI. Check if the message sent is legitimate, and cross-check the payee details. If you find it suspicious at all, avoid clicking on links or making the payment.
Not Checking the Transaction Amount
Sometimes, being inattentive leads to errors, and one of the most common mistakes people make is not double-check the amount before transferring the funds. You must especially do this if you are receiving a payment request and not entering the amount by yourself.
Clicking on Links Asking for UPI Payments
Nowadays, swindlers tend to reach you directly by impersonating your bank manager or an official of any organisation. They urge you to click on links that will redirect you to a fraudulent website or payment page. If you click on such links and enter your details, you disclose them to the hackers.
Be careful of fraudulent texts, emails, or phone calls that mimic your bank or payment service provider. When you receive unwanted communication, do not click on suspicious links or submit sensitive information like your UPI PIN, passwords, etc.
If you are unsure, you can confirm the request by contacting the customer support team. Make sure you get the number from the official website and not the one that may be on the message.
Steps to Use Credit Cards for UPI Payments
The entire process of learning how to use credit cards for UPI payments is simple. You can easily link your credit card to your UPI account. However, note that the facility to link your credit card with UPI applications is only available with the Rupay Credit Card.
For other cards, you can add your credit card as a payment method on the UPI app and make easy payments. Here are the steps you need to follow:
- Launch a UPI app of your choice and register, if not done
- Go to the ‘Payment Methods’ option
- Choose the ‘Link RuPay Credit Card’ or ‘Add Debit/Credit Card’ option
- Add the required details and save it
- Submit the OTP to verify your card
Once done, your credit card details are saved, and you can easily make transactions through the UPI app. Here are some easy steps on how to use credit cards for UPI payments:
- Open the UPI app of your preference
- Choose your mode – QR code, UPI ID, or bank details
- Select the credit card you want to pay with
- Enter the details and the payment amount
- Type in your UPI PIN and submit it
With UPI credit card payments, you can easily leverage the rewards and benefits offered by your card. So, make secure payments and get the most out of them without any hassles. If you are looking for a credit card, choose the One Credit Card.
You can earn up to 5X rewards, exclusive offers, and much more. That’s not all. The reward points have no expiry, and there are zero redemption charges, ensuring you get the maximum benefits. Use the One Credit Card app to track your expenses and manage your card with just a few clicks. Apply now to get this lifetime-free metal credit card and make payments seamlessly.
