SBI UPI

To link your Credit Card on UPI, please follow below steps:

• Download the preferred UPI Third Party Application (e.g. BHIM, PayTm, Mobikwik etc) from the Play Store/App Store
• Verify your Mobile Number on the UPI App and complete registration
• Post successful registration, select the option “Add Credit Card/ Link Credit Card”
• Select SBI Card
• Select your SBI Rupay Credit Card to be linked and Confirm
• Proceed to generate UPI PIN (if not already done)

No. There is a separate UPI Pin to authenticate payment transactions using SBI Card RuPay Credit Card via UPI App. You can set the UPI PIN on the Third -party UPI app by following the below steps:

• Select Generate PIN option
• Select SBI RuPay Credit Card
• Enter Card Details:
  • Last 6 digits
  • Expiry Date
• OTP will be triggered to the registered mobile number
• Enter OTP and Set PIN of your choice

Yes, you can reset the UPI PIN by following below steps:

• Select Reset PIN option
• Select SBI Card RuPay Credit Card
• Enter Card Details:
  • Last 6 digits
  • Expiry Date
• OTP will be triggered to the registered mobile number
• Enter OTP and reset PIN

No, the mobile number linked with UPI should also be linked with your credit card to facilitate UPI on CC transactions.

To make offline payment using UPI on Credit card, follow below steps:

• Scan merchant UPI QR Code on your preferred Third-party app
• Enter Amount & Select Credit Account
• Select SBI RuPay Credit Card account
• Enter UPI PIN to authorize transaction

To make payment to an e-commerce merchant using UPI on Credit card, follow below steps:

• Select UPI app as payment mode at merchant website /app,
• Login into UPI app and select registered SBI Rupay Credit Card from the list of available accounts
• Confirm the payment using UPI Pin.
• Payment confirmation will be displayed
• Once the payment is done, you will be redirected to the merchant page.

No, Peer to Peer (P2P), Card to Card (C2C) and Peer to Peer to Merchant (P2P2M) transactions are not allowed on UPI on Credit Card. Only Payment to Merchant (P2M) will be allowed from the linked Credit Card.

If you have changed your mobile number, kindly update the same for your SBI RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

Currently, only RuPay Credit Cards can be linked on UPI.

There is no limit for the number of transactions carried out from linked Credit Card on UPI.

The following categories of transactions are restricted on UPI on Credit Card: P2P, P2PM, C2C, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds are some categories of transactions that are restricted by NPCI. This list is updated by NPCI from time to time.

The daily transaction limit for RuPay Credit Cards on UPI is Rs. 5 Lakh (Rs. 1 Lakh for Small Offline Merchants). The transaction limit is subject to the available credit limit on your card.

Note: Transaction limit for your credit card on UPI is Rs.5,000 for 24 hours post making the first transaction (including first transaction).

There is no fee for linking or carrying out any transaction from UPI on Credit Card.

Funds cannot be received on credit card linked to UPI.

Yes, Customer needs to enable SBI credit card controls (Ecommerce, contactless etc) separately to use Credit card for regular purchases

Yes, if SBI RuPay Credit card is renewed/replaced, customer needs to re-register in UPI with updated Credit card details

No, UPI transactions are also blocked on Blocked credit cards. To make UPI transactions, kindly get card unblocked or reissued.

In case you lose your credit card, kindly get the same blocked and get a replaced card. Re-register for UPI using new card details.

SBI Credit card transactions through UPI platform can be viewed in SBI RuPay Credit card statements every month

Yes, UPI spends using Credit Card will earn reward points as per existing product offering (Excluding categories as per Credit Card product features/Terms & Conditions).

Fuel Surcharge is applicable on UPI payments. However, Fuel surcharge reversal will not be applicable to UPI transactions through SBI RuPay credit cards

For more details on RuPay Credit card on UPI refer NPCI website https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

For queries related to linking or usage of SBI RuPay Credit Card, you can also connect to toll free number 18001801290