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ICICI RuPay Credit Cards UPI linking now live

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tappukepapa said:
Open app, services tab - Check status- track service requests- enter SR no. manually in last option.
Click to expand...

Thanks a lot bro, I was searching everywhere in app and net banking, found nothing. It was a great help for me. One more thing,My service request is showing open till now for credit card upgrade . It's four days after the SR generation date but my card is not showing in app/received no mails. Will the request be accepted?
 
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Nirjhardas said:
Thanks a lot bro, I was searching everywhere in app and net banking, found nothing. It was a great help for me. One more thing,My service request is showing open till now for credit card upgrade . It's four days after the SR generation date but my card is not showing in app/received no mails. Will the request be accepted?
Click to expand...
Check email, for me it was mentioned 5 working days. Done exactly in 5 working days, including callback to card approval.
 
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Nirjhardas said:
Thanks a lot bro, I was searching everywhere in app and net banking, found nothing. It was a great help for me. One more thing,My service request is showing open till now for credit card upgrade . It's four days after the SR generation date but my card is not showing in app/received no mails. Will the request be accepted?
Click to expand...
Or if you don't remember SR number, you can choose the right account in the last screen so that all SR s relating to that account will appear
 
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bengaltiger said:
is there any list to check for restriction of using paying with UPI linked to credit card?
Click to expand...
You can pay to any merchant UPI payment offline or online.

Except -

MCC Restricted for CC on UPI are as under -

• 0000 - P2P (Peer to Peer)
• 4829 – wire transfers/money orders
• 6010 - Financial institutions - manual cash disbursements
• 6011 - Financial institutions - automated cash disbursements
• 6012 - Financial institutions - merchandise and services
• 6013 – Cash withdrawal thru ICCW (interoperable cardless cash withdrawal)
• 6051 - Non-financial institutions - foreign currency, money orders (not wire transfer), scrip and travellers' checks
• 6211 - Securities - brokers and dealers/IPO
• 7322 - Debt collection agencies
• 7407 – P2PM (peer to peer merchant)
• 7408 – Lending Platform
• 7409 – Digital account opening
• 7800 – Govt Owned Lottery
• 7801 – Govt Licensed Casinos
• 7802 – Govt Licensed Dog/Horse racing
• 7995 - Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
• 9406 – Govt owned Lottery
 
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Abhishek012 said:
You can pay to any merchant UPI payment offline or online.

Except -

MCC Restricted for CC on UPI are as under -

• 0000 - P2P (Peer to Peer)
• 4829 – wire transfers/money orders
• 6010 - Financial institutions - manual cash disbursements
• 6011 - Financial institutions - automated cash disbursements
• 6012 - Financial institutions - merchandise and services
• 6013 – Cash withdrawal thru ICCW (interoperable cardless cash withdrawal)
• 6051 - Non-financial institutions - foreign currency, money orders (not wire transfer), scrip and travellers' checks
• 6211 - Securities - brokers and dealers/IPO
• 7322 - Debt collection agencies
• 7407 – P2PM (peer to peer merchant)
• 7408 – Lending Platform
• 7409 – Digital account opening
• 7800 – Govt Owned Lottery
• 7801 – Govt Licensed Casinos
• 7802 – Govt Licensed Dog/Horse racing
• 7995 - Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
• 9406 – Govt owned Lottery
Click to expand...

Love it... Excellent work 👍👍
 
Upvote 0 Downvote
Abhishek012 said:
You can pay to any merchant UPI payment offline or online.

Except -

MCC Restricted for CC on UPI are as under -

• 0000 - P2P (Peer to Peer)
• 4829 – wire transfers/money orders
• 6010 - Financial institutions - manual cash disbursements
• 6011 - Financial institutions - automated cash disbursements
• 6012 - Financial institutions - merchandise and services
• 6013 – Cash withdrawal thru ICCW (interoperable cardless cash withdrawal)
• 6051 - Non-financial institutions - foreign currency, money orders (not wire transfer), scrip and travellers' checks
• 6211 - Securities - brokers and dealers/IPO
• 7322 - Debt collection agencies
• 7407 – P2PM (peer to peer merchant)
• 7408 – Lending Platform
• 7409 – Digital account opening
• 7800 – Govt Owned Lottery
• 7801 – Govt Licensed Casinos
• 7802 – Govt Licensed Dog/Horse racing
• 7995 - Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
• 9406 – Govt owned Lottery
Click to expand...
MCC-6540 Is not there ?
 
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VISHESH_BANSAL said:
MCC-6540 Is not there ?
Click to expand...
Few important information -

Wallet spend is eligible but i think approx all wallet companies disabled to accept payment through CC on UPI.

I heard some people use bajaj wallet load via CC on UPI.

Note - Snapay cc bill repayment counts under wallet spend (yes now stop working) but Yes bank already charged 0.75% for snapay - cc bill pay through Yes bank CC on UPI because Yes bank credit card charge 0.75% for wallet spend. 🤣🤣

Yes bank CC charges - Minimum 0.75% of transaction value or Rs 1 whichever is higher will be levied on all Rental and Wallet transactions greater than Rs 1

Source -
Another information -

Approx all Credit cards charge fuel surcharge. So, this is also applicable on CC on UPI but you will also get fuel surcharge wavier and fuel rewards cashback, if you use any fuel co-branded credit cards.

Recently one person use PNB CC on UPI for fuel purchase of 120rs and he saw 120rs transaction and 10rs and 1.8rs debited transaction.

Why ?

Because PNB credit card charge minimum Rs10 for transaction under Rs500 for fuel purchase.

Source - https://pnbcard.in/PDF/MITC.PDF

Note - I have always said that UPI is 100% free for customers and no charges for next 1 trillion years, which is 100% true but banks terms and conditions are applicable for CC on UPI as well. If banks find that customers are misusing credit cards/CC on UPI on any merchant category, then banks will restrict/ban those categories.
 
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Abhishek012 said:
Few important information -

Wallet spend is eligible but i think approx all wallet companies disabled to accept payment through CC on UPI.

I heard some people use bajaj wallet load via CC on UPI.

Note - Snapay cc bill repayment counts under wallet spend (yes now stop working) but Yes bank already charged 0.75% for snapay - cc bill pay through Yes bank CC on UPI because Yes bank credit card charge 0.75% for wallet spend. 🤣🤣

Yes bank CC charges - Minimum 0.75% of transaction value or Rs 1 whichever is higher will be levied on all Rental and Wallet transactions greater than Rs 1

Source -
Another information -

Approx all Credit cards charge fuel surcharge. So, this is also applicable on CC on UPI but you will also get fuel surcharge wavier and fuel rewards cashback, if you use any fuel co-branded credit cards.

Recently one person use PNB CC on UPI for fuel purchase of 120rs and he saw 120rs transaction and 10rs and 1.8rs debited transaction.

Why ?

Because PNB credit card charge minimum Rs10 for transaction under Rs500 for fuel purchase.

Source - https://pnbcard.in/PDF/MITC.PDF

Note - I have always said that UPI is 100% free for customers and no charges for next 1 trillion years, which is 100% true but banks terms and conditions are applicable for CC on UPI as well. If banks find that customers are misusing credit cards/CC on UPI on any merchant category, then banks will restrict/ban those categories.
Click to expand...
In the PNB PDF which you have shared, for Rupay Cards, minimum Surcharge mentioned is Rs.12.5

So, PDF is outdated or Surcharge is solely charged by Acquire Bank and the Issuing Bank collect the same from us, whether it is 1% or Minimum 10+GST or any other Amount.

What is your thoughts ?
 
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VISHESH_BANSAL said:
In the PNB PDF which you have shared, for Rupay Cards, minimum Surcharge mentioned is Rs.12.5

So, PDF is outdated or Surcharge is solely charged by Acquire Bank and the Issuing Bank collect the same from us, whether it is 1% or Minimum 10+GST or any other Amount.

What is your thoughts ?
Click to expand...
Might pnb system not updated to charge differently compared to visa cards.

So the system still follows the charges as of visa cards only.

Does any one can confirm that when will be gst on fuel surcharge will be charged?
 
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VISHESH_BANSAL said:
In the PNB PDF which you have shared, for Rupay Cards, minimum Surcharge mentioned is Rs.12.5

So, PDF is outdated or Surcharge is solely charged by Acquire Bank and the Issuing Bank collect the same from us, whether it is 1% or Minimum 10+GST or any other Amount.

What is your thoughts ?
Click to expand...
Yup. Didn't notice before.

Ya, also possible PDF is outdated.

Some people are also complaint some pos machine charge upto 3% fuel surcharge and other pos machine charge 1%. So, ya Surcharge is solely charged by Acquire Bank and the Issuing Bank collect the same from us.
 
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