Make UPI Payments Easy on Your Add-On Card with the FIRST Digital RuPay Credit Card

Rahul went grocery shopping, and as he flipped on his smartphone to pay through UPI, his transaction failed.

The reason - insufficient balance in his savings account!

Embarrassed and holding up the queue, Rahul wished there was a better solution.

UPI has indeed revolutionised online transactions — it's fast, seamless, and simple. But UPI payments usually debit your bank account directly. So, what happens if you're short on funds?

This is where RuPay credit cards, especially add-on RuPay cards, prove to be the gamechangers. If your add-on credit card is linked to UPI, you can make payments using your credit limit instead of worrying about your bank balance.

Let’s break down what add-on credit cards are and how to use them for your online UPI transactions.

What is an add-on credit card?
 

An add-on credit card is a supplementary card that can be issued in addition to a primary card. In simpler terms, if you hold a credit card, you can apply for an add-on card for your family members.

These add-on credit cards provide access to credit for individuals who are otherwise ineligible.

Enabling UPI on your add-on credit card
 

If your current add-on card is a RuPay variant, such as the FIRST Power or FIRST Power+ Credit Cards, you’re already ready to get started with UPI linking. However, if it’s not a RuPay credit card, you can apply for the FIRST Digital RuPay Credit Card — a virtual credit card designed to be UPI-compatible from day one.

It’s ideal for anyone who doesn’t have a RuPay card but wants to enjoy UPI credit payments, including primary and add-on users alike.

Benefits of linking your add-on credit card to UPI
 

When you link your credit card to UPI, you unlock faster, easier, and more secure payments. A few taps on your smartphone and, in no time, you can enjoy the convenience of UPI paired with the benefits of the RuPay credit card . Here is why linking is a smart choice:

1. Access to credit on UPI
 

Remember how Rahul’s low bank balance did not let him complete his transaction?

This problem can be eliminated by linking your RuPay add-on credit card to UPI or opting for the FIRST Digital RuPay Credit Card attachment. The RuPay credit card offers a credit limit, which comes in handy during emergencies or periods of financial strain.

Pro tip: Remember that the credit limit of the attachment card is shared with the primary card's limit. So, check the credit usage of your add-on card to know the actual limit available to you.

2. Efficient management of household expenses
 

Having a UPI-enabled add-on card allows family members to pay for their expenses easily. You can set a transaction limit on each add-on card and monitor its usage to gain a better understanding of your household expenses. This also helps with budgeting, as you can identify and eliminate unnecessary expenses to increase savings.

Pro tip: Set up transaction alerts on all add-on credit cards so you're notified when a card is used. This will help in tracking the card’s usage easily.

3. Welcome offers
 

If you have a RuPay Add-On Credit Card, like FIRST Power and FIRST Power+, you can unlock attractive benefits like:

• 1000 Reward points on add-on card spends of minimum ₹500 within 15 days of card generation
• Reversal of annual fee on add-on spends of ₹60,000 or more

With other non-RuPay credit cards, the FIRST Digital RuPay Credit Card can give you 100% cashback, up to ₹200 (up to ₹50 on each transaction), on the first four UPI transactions done within 15 days of generation of the digital card

Pro tip: To maximise the benefits of the welcome offers, start using the card as soon as it is issued. Additionally, make the most of your transactions using the credit card to waive the annual fee for the next year.

4. Attractive reward points
 

The add-on RuPay credit card is eligible for the same reward structure as the primary credit card. With the FIRST Digital RuPay Credit Card, you get:

• 3X reward points on UPI spends exceeding ₹2000
• 1X reward points on UPI spends below ₹2000

You can accumulate reward points, which never expire, and redeem them for paying your bills, hotel or flight bookings or buy vouchers..

Pro tip: Depending on your primary RuPay credit card, you can earn more reward points on other eligible transactions, such as utility bill payments, dining bills, and online shopping.

5. Secure
 

If you're concerned about the security of your digital payments, you don't have to be. The FIRST Digital RuPay Credit Card facilitates secured and encrypted payments to protect you against online fraud.

Pro tip: Avoid using public Wi-Fi when making online payments, as these connections are vulnerable to cyberattacks.

How to link the FIRST Digital RuPay Credit Card to UPI?
 

Linking your FIRST Digital RuPay Credit Card to UPI is a simple affair. You can link the credit card through the IDFC FIRST Bank Mobile Banking App or other UPI apps. The process of linking through the bank’s mobile app is as follows:

1. Download the IDFC FIRST Bank Mobile Banking app through Google Play or Apple Store
2. Click on ‘Scan QR’ and scan the QR code available on the bank’s website
3. Add your FIRST Digital RuPay Credit Card to start UPI payments

For other UPI apps, the steps are specific to the app that you use. Some of the common steps include the following:

1. Go to the payment section or profile section of the app
2. Choose to set up the payment method and select ‘RuPay credit card’
3. Enter the details of your FIRST Digital RuPay Credit Card
4. Set your UPI PIN, and it’s done

Pay seamlessly with UPI-integrated credit cards
 

UPI payments with RuPay credit cards [BJ11] are seamless, convenient, and, most importantly, effortless. When you have the FIRST Digital RuPay Credit Card, the benefits multiply. You not only make credit accessible to your family members, but you can also enjoy other credit card perks on online transactions.

So, give your digital wallet an upgrade with the UPI-enabled FIRST Digital RuPay Credit Card. Get started today in a few simple steps and unlock the benefits that are up for grabs.