HDFC Bank RuPay credit card is now available on UPI.

HDFC Bank and the National Payments Corporation of India (NPCI) today announced that HDFC Bank customers can now use their RuPay credit cards on UPI through the BHIM app and other UPI-enabled apps. Through this collaboration, HDFC Bank becomes the first private bank in the country to operate on UPI using RuPay credit cards, the private lender said.

Parag Rao, Country Head, Payments, Consumer Finance, Technology and Digital Banking, HDFC Bank said, “With the linkage of HDFC Bank’s RuPay Credit Cards to the UPI network, we are able to offer our customers even more flexibility and convenience to make digital payments. As India’s largest card issuer, it is our constant endeavor to ensure that our customers are able to choose the option that best suits their changing needs. Over time we are certain this will further enhance the payments landscape and we are honored to be the first private sector bank to partner with NPCI for this initiative.”

Commenting on the announcement Praveena Rai, COO of, NPCI said, “We are delighted to onboard HDFC Bank RuPay Credit Card customers to experience this path-breaking digital payments solution. We believe linking RuPay Credit Card on UPI to be a game-changer for the ecosystem and will give impetus to the adoption of UPI across businesses with multiple use cases. It will provide a seamless, digitally enabled credit card lifecycle experience to the customers and will enable consumers to make QR-based, e-commerce payments using the credit card on UPI which will fuel further economic growth.”

The HDFC Bank RuPay credit card will be linked to the UPI ID, which will directly enable safe and secure payment transactions.

HDFC Bank customers will benefit from increased opportunities to use credit cards on UPI, and merchants will benefit from increased spending by being part of the credit ecosystem by accepting credit cards using assets such as QR codes.

Meanwhile, SBI Card, ICICI Bank and Axis Bank are expected to launch UPI compatible RuPay credit cards by March.