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ICICI RuPay Credit Cards UPI linking now live

Yup. Didn't notice before.

Ya, also possbile PDF is outdated.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.
So, that 11.8 on PNB is charged on which QR ??
Paytm QR ?
If it is Paytm QR then we will avoide Paytm QR for Fuel txns via CC UPI .
 
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
Thanks buddy.

P2P AND P2PM, WHAT'S THE DIFFERENCE?

Is p2pm very small merchant?
What's your general experience of using this in panwala / normal stores/ shopping mall?

Thanks.
 
Thanks buddy.

P2P AND P2PM, WHAT'S THE DIFFERENCE?

Is p2pm very small merchant?
What's your general experience of using this in panwala / normal stores/ shopping mall?

Thanks.
Yes, p2pm is very small merchant.

If you cross monthly 50k payment for next 3 months then your merchant account automatically convert into P2M category.

Almost all small merchants - panwala / normal stores/ shopping mall accept cc on UPI.

Note - Paytm app sometimes not showing CC on UPI option after scan & pay or online UPI transaction, just go back and scan again or do again online UPI transaction and this time CC on UPI option showing for payment. Another thing is that deselect Paytm wallet option after scan & pay, if you scan Paytm QR code and then you will see CC on UPI option.
 
Fun part HDFC has given my sis a limit of 10 lakhs with far fewer cards, lower credit score and earning half of my salary. She holds a FYF Regalia Gold, Paytm, Tata neu infinity LTF. I hold a DCB LTF, Tata Neu Infinity LTF and HDFC Swiggy with a shared limit of 7.2 lakhs. (Such a gross injustice) PS: We both have our salary accounts in HDFC, she holds a classic while I have a preferred account. Yet I could never solve for this puzzle why her HDFC cc limit is higher than mine, I am a much heavier user too.
This is for simple reason "she". Everthing is either free or discounted for "she" these days. All is compenstaed then from "he". Be it Bus, free electricity, etc.
 
Fun part HDFC has given my sis a limit of 10 lakhs with far fewer cards, lower credit score and earning half of my salary. She holds a FYF Regalia Gold, Paytm, Tata neu infinity LTF. I hold a DCB LTF, Tata Neu Infinity LTF and HDFC Swiggy with a shared limit of 7.2 lakhs. (Such a gross injustice) PS: We both have our salary accounts in HDFC, she holds a classic while I have a preferred account. Yet I could never solve for this puzzle why her HDFC cc limit is higher than mine, I am a much heavier user too.
Kotak and hdfc feels giving unsecured credit to women's is fine then gents. Even founders are of mens they don't care about men.
 
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