Credit card UPI: Pay by credit card with Google Pay, Paytm and more

Google Pay, Paytm, PhonePe and other UPI apps support credit cards in India. You can scan and pay the credit cards (CC) using the apps to any Bharat QR code supported merchant out there. It works the same way as the UPI payments, which are linked to your bank account, you scan the QR code -> enter the amount -> select the payment source -> start the process -> enter the OTP instead of the UPI PIN -> and voila, the payment is complete. This provides convenience for users as they do not have to carry their credit cards with them. Here’s how to add credit cards to Google Pay, Paytm, and PhonePe:

Credit card UPI

Although you can’t make UPI payments via credit cards yet, it is possible to add the cards to UPI apps. The latter allows you to carry your credit cards on your phone and pay contactless online or with tap & pay and Bharat QR codes. Now the steps to add credit cards are not the same for all UPI apps including Google Pay, Paytm and PhonePe.

Add credit card to Google Pay

Before you can make payments with a credit card through Google Pay, you must add the card. Here’s how it’s done:

  1. Open Google Pay and tap you profile
  2. Or tap Pay companies or tap Set up payment methods and select Add credit or debit cards
  3. Tap Get on Get on.
  4. You are obliged to scan your card. You can also choose: Enter details manually
  5. To add expiration date and CVV
  6. Now tap Save
  7. Read the terms and conditions, then tap More and then Accept & Continue
  8. Enter the OTP (one-time password) you receive to the registered number.

Note that Google Pay only supports Visa and Mastercard credit cards.

Also read: Google Pay: How to use the app, what is the Google Pay customer service number and more questions answered

Add credit card to PhonePe

As with Google Pay, you must add a credit card to the PhonePe app before you can make credit card payments. While Google limits card support, PhonePe supports all major players, including American Express, Diners Club, Mastercard, Rupay, Visa, and Payment Card Network that supports payments on the PhonePe platform.

To add your card to PhonePe you must:

  1. Open PhonePe app and tap your profile.
  2. Tap View all payment methods under Payment methods.
  3. below Credit/debit cardstick ADD A CARD
  4. Enter your card details
    (If you Visa card, you can enable one click payment, which allows you to make payments up to Rs. 2000 without entering CVV and OTP)
  5. Once you’ve added all the details, tap TO ADD
  6. On the next page, enter the 6 digit OTP you will receive and tap Submit

That is it! You have successfully added the card. You can make credit card payments with PhonePe to merchants by selecting the card in the payment window. If you’ve enabled one-click payment, you can pay without OTP, or wait to receive the OTP, enter it, and then proceed to pay.

Also read: PhonePe history: delete transaction history in PhonePe

Add credit card to Paytm

Paytm accepts credit cards from Visa, Master, Rupay, Amex and Diners. Not only that, you can add funds to your Paytm Wallet. If you have a credit card from one of these players, we’re good to go:

  1. Open Pay and tap your profile picture.
  2. Tap Payment Settings
  3. Now tap Saved cards
  4. Then tap Add new map
  5. You will see a window saying that Paytm will deduct Rs. 2 of your card for confirmation but will be refunded within 2 days. Tap Get on Get on.
  6. Enter card details, select ‘savings card according to the latest RBI guidelinesand tap Pay Rs. 2
  7. After that, enter the OTP on the number registered with the card and tap Pay

Wait for some time and you will see that your credit card has been added under Saved card.

How to pay by credit card with UPI apps

Google Pay

After you’ve added your credit card to Google Pay, enter the amount, select the card, and proceed to checkout. Enter the OTP received on your registered number and wait for the payment confirmation. You can pay with your credit card on Google Pay at:

  • Tap & Pay (You must have a phone for this NFC support)
  • QR code of Bharat
  • Mobile top ups and online payments at third-party merchants where Google Pay is supported

Remark: You can’t use a credit card to transfer money to a person or bank account in Google Pay or any other Payments app.Also read: Google Pay UPI ID: Find, change or create an additional UPI ID in Google Pay


As with Google Pay, you can only use a credit card to make payments at BharatPe supported merchants and merchants or to purchase products and services offered on the PhonePe app. Making credit card payments via credit card in PhonePe:

  1. Scan the QR code.
  2. Enter the amount.
  3. Select your credit card and enter the CVV.

The rest of the process is automatic. If you want to block the payment, you’ll see an option to tap and hold to avoid sending the OTP you received.


Like Google Pay and PhonePe, you can make payments with credit cards using PayTM to Bharat
QR code. To do this, scan the code, enter the amount, select the credit card, enter the CVV code and continue to pay.

In addition, you can also add money to the PayTM wallet with a credit card; however, there are costs involved. This is how it works:

  1. Open Paytm and tap Paytm Wallet below My Paytm
  2. Enter the amount and Continue to add Rs. X
  3. Then select your credit card and enter the CVV and tap Pay

Once you’ve added the amount, you can use it to make payments to anyone on PayTM.

Frequently Asked Questions

Where can you pay by credit card with UPI apps?

You can pay merchants, such as a store, top ups, and other products and services offered in UPI apps. You cannot transfer money to your or someone else’s Bank Account or UPI ID.

Which credit card can be added to UPI apps?

While you can only use Visa and Mastercard with Google Pay, you can use almost all Payment card network on PhonePe.

How can you make UPI payments with a credit card?

You cannot make UPI payments via credit card using any of the above apps yet. That said, the National Payments Corporation of India (NCPI) is working to integrate UPI payments with credit cards. Until then, you can use apps like Vcard and LazyPay to move your credit limit to any account.

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