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UPI Payments Through RuPay Debit Cards

Published on September 22, 2022
Current Context: The National Payments Corporation of India (NPCI) launched the Unified Payments Interface (UPI) payments via credit cards on the RuPay network.
UPI Payments Through RuPay Debit Cards
  • The step came after the Reserve Bank of India (RBI) permitted the linking of UPI to credit cards in June 2022.
  • In this facility, the RuPay credit cards will be linked to a UPI ID or a Virtual Payment Address (VPA) to facilitate payments in an offline mode.
  • The bank accounts and debit cards have already been linked to the UPI, this step will link the RuPay debit cards as well.
  • Following banks were given the opportunity to go live with UPI on RuPay credit cards via the BHIM App:
  1. Punjab National Bank,
  2. Union Bank of India, and
  3. Indian Bank
  • Federal Bank (India) and Lulu Exchange (UAE) were given the permit to go live with Bharat Bill Payment System (BBPS) cross-border bill payments.
  • UPI is a real-time payment system in India that was developed and launched by the NPCI in 2016 under the Digital India campaign.
  • RuPay is a multinational card payment network that provides financial services and payment service systems. It was developed and launched by the NPCI in 2012.


Q.1 Recently NPCI launched UPI payments via ______credit card?
a. “SimplySAVE” SBI
b. Standard Chartered
c. RuPay
d. American Express

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