Steps to add RuPay credit card to BHIM UPI app

[BigdeBigde is verified member.]

Try any GooglePay Merchant QR and tell its working or not.

Will try and let you know.

 

[BigdeBigde is verified member.]

Completed a big ticket transaction of Rs. 35,000 via PNB BHIM combo. Payment went through without any glitches.

 

[Abhishek012]

Completed a big ticket transaction of Rs. 35,000 via PNB BHIM combo. Payment went through without any glitches.

which website ?

 

[Sreerag]

It's good but idk how my bhim app is broken.. i tried to remove lite account it always crashes the app.. cannot deregister bhim everytime same account comes after sms verification.. seems like I won't be able to use bhim again!

 

[BigdeBigde is verified member.]

which website ?

United Health Insurance

 

[mgforce]

Thanks @Bigde for the guide and subsequent posts.

Installing BHIM app now 🙂

 

[mgforce]

@Abhishek012 @Bigde

I read this ET article. Point 3 quoted

3) Transferring money to small merchants under P2PM category (Small merchants with an expected inward UPI transaction less than or equal to Rs 50,000 per month are categorised as 'P2PM' by NPCI). This would include a large number of small street vendors/shops — vegetable vendors, street food vendors, chaiwallahs, etc.

Hence may be this is the reason why you couldn't pay at some merchant; PhonePe merchant may be P2PM one and Paytm merchant may not be.

 

[BigdeBigde is verified member.]

Guys, one important point here, I have not received any reward points while making spends on my PNB Platinum using UPI. I had a word with customer care and even they don't have any clarity on the reward points using UPI. It seems that except the interest free credit, nothing else is beneficial about the UPI payments using CC.

 

[pradeepG]

PNB customer care has zero clues on UPI-RupayCC linking. i tried on petrol pump it worked, didn't worked at local kirana grocery shops. Worked at GST Registered Business QR Code Holder,(Both Paytm and Phonepe business), of even not so big scale. Little benefits if it doesnt work on P2PM.
Benefits: Dont need POS to pay + convenient (dont need to carry card) + minor benefits.

 

[Abhishek012]

Guys, one important point here, I have not received any reward points while making spends on my PNB Platinum using UPI. I had a word with customer care and even they don't have any clarity on the reward points using UPI. It seems that except the interest free credit, nothing else is beneficial about the UPI payments using CC.

Ok but i heard we will get rewards point on CC linked UPI.

PNB also useless bank. When PNB launch RuPay credit cards, eveyone is not getting any rewards points on PNB RuPay credit cards spend and users also not getting welcome rewards point, PNB took 8 to 10 months to solve this issue. 🤣🤣

 

[navonline7]

Any idea by when can HDFC Bank RuPay CCs be used for UPI transactions?

 

[Slayer]

Any idea by when can HDFC Bank RuPay CCs be used for UPI transactions?

Not before next year.

 

[Abhishek012]

Any idea by when can HDFC Bank RuPay CCs be used for UPI transactions?

Not now but HDFC told they are almost ready to launch RuPay CC linked UPI.

 

[Slayer]

Waiting for @Abhishek012 to react to a message with anything except hehe 🤌 🤌

 

[db24]

Guys, one important point here, I have not received any reward points while making spends on my PNB Platinum using UPI. I had a word with customer care and even they don't have any clarity on the reward points using UPI. It seems that except the interest free credit, nothing else is beneficial about the UPI payments using CC.

Can you please update about PNB RuPay card reward points on BHIM UPI transactions, if your first statement is already generated?

 

[BigdeBigde is verified member.]

Can you please update about PNB RuPay card reward points on BHIM UPI transactions, if your first statement is already generated?

Statement has been generated but I haven't received the email yet. Just the SMS.

 

[GoruBhai]

As you all are aware that yesterday NPCI has rolled out RuPay card support for UPI interface. I was eagerly waiting for the launch and kept on looking for ways to add my PNB RuPay card on the UPI apps.

Thanks to video shared by @Abhishek012 (and information about the availability of RuPay UPI support for BHIM app for now), I managed to add my card on the BHIM UPI app.
Here is the link to the video



Here are steps.

Prerequisites: In order to use this feature there are two major prerequisites.
1. RuPay credit card from PNB, UBI or Indian Bank
View attachment 4975
2. BHIM UPI
View attachment 4976

Once these two pre-requisites are in place, use the following steps to add your card in the BHIM UPI app.

Step1: Click on the bank name on the top navigation bar, this will take you to a secondary screen.

View attachment 4977

Step2: You will be taken to the following screen

View attachment 4989

Step 3: Select the Plus button to add your credit card. Search for your credit card provider, PNB, UBI and Indian bank available for now
View attachment 4979
View attachment 4980
Once a bank is selected, and if you have a credit card associated with that bank, you will start seeing a record for that credit card.

View attachment 4984

If you click on it, you will be taken to a new screen where you can add last six digit of your credit card for the verification purposes.

View attachment 4985

Once done, an OTP will be sent by the bank which you need to enter on the next screen. After successful verification, you will be able to set UPI pin for your credit card.

Experience while paying through the credit card on UPI: After successfully adding the credit card, I couldn't stop myself in terms of making my first ever transaction on UPI using credit card. Tried to pay to a merchant using the same and it failed.

Reason: The merchant also need to allow accepting the payments using credit cards on their UPI ID. So basically this is a two way process and merchant's role is also involved in it. You simply won't be able to pay via a RuPay card on UPI to any UPI Barcode a merchant has to enable the credit card support on their UPI id.

Conclusion: Earlier I was under the impression that I can use my RuPay card on UPI to make payments to any merchant (be it a vegetable seller or a grocery shop owner), however this assumption fall on it face when I tried making my first payment and came to know that the merchant also need to enable this feature on their side. Which I highly doubt if any small merchant would do as they would have to bear the cost of MDR.

For bigger merchants the RuPay CC support on UPI is another payment mode which they can offer to their customer as they anyways have the swipe machines on their counters and they don't mind paying MDRs.

For consumers, I only see one advantage which is that they do not have to carry credit card physically if they need to make a UPI transaction with a bigger merchants.

Reason for failng your payment at merchant end.is currently ecosystem is no evolve..
No manual enablement needed for merchant to accept cc payment using UPI.but merchant site acceptance enablement takes time.bacaue currently not every player are redy once it done you see the magic' for MDR small merchant are protected with transction cap of 2000.

 

[GoruBhai]

Here is the new finding guys, tried paying with my UPI enabled PNB Card using BHIM app with different vendors and here are the findings.

1. With small eatery having Paytm Barcode: Transaction went through and vendor received the payment instantly Paytm soundbox also announced the receipt of the payment.

2. Another eatery with PhonePe Barcode: Transaction failed with error "Transaction not permitted to UPI ID by the PSP" here the PSP means Payment Service Provider which is PhonePe in this case.

Hence it seems that currently Paytm has allowed payments using UPI enabled credit cards but not PhonePe. I stand corrected to my previous assumption that a vendor needs to allow the payment, it is actually the UPI service provider who need to enable this service from their end.

@Abhishek012

Psp are not gpay or phonpe they are banks.
That failate UPI transction for third party and help them for UPI ONBOARDING.banks are may may be issuer or issuer acquire both.in the phonpe these are axis ICICI yes.

 

[Rishabh]

Manage to add HDFC Regalia Rupay Credit card to BHIM app without any issues.

 

[yolofino]

Manage to add HDFC Regalia Rupay Credit card to BHIM app without any issues.

I too added. Yet to test it though.

I don't like the BHIM app, it's very slow.