SBI Card, the country’s largest pure-play credit card issuer, and the National Payments Corporation of India (NPCI) have announced the linking of SBI credit cards on the RuPay platform with the Unified Payments Interface (UPI). Starting Thursday, SBI Card customers will be able to make UPI transactions through their credit cards issued on RuPay.

The functionality can be availed through registering the credit card with third-party UPI apps. This will further enhance the avenues for customers using SBI Card on the RuPay platform at UPI merchants, thus facilitating an enhanced, convenient, and seamless payments experience.

Cardholders can enrol their active primary cards on UPI and make payments to merchants (P2M transactions) using their credit cards. This facility is free for customers.

To ensure successful credit card linking with UPI, it is important to note that the cardholder’s mobile number registered with SBI Card should also be linked with UPI.

As of June 2023, SBI Card had a cards-in-force (CIF) base of 1.73 crore, up 21 percent year-on-year as of June 2022.

Commenting on the move, Rama Mohan Rao Amara, MD and CEO, SBI Card, said, “With this functionality, SBI Card customers will be able to use their SBI Card-issued RuPay credit cards on the UPI platform. Today, UPI has become a massive digital platform, enabling millions of transactions every day”.


This should give SBI Card customers greater flexibility and mobility along with hassle-free usage, he added. With this, the industry is going to witness a significant increase in credit card usage, Amara noted.

Dilip Asbe, MD & CEO, NPCI, said, “The addition of SBI RuPayCredit Cards on UPI rails is a big milestone in the growth trajectory of digital payments in India. This partnership will enable seamless UPI payments for SBI RuPay credit cardholders, providing them with a digitally enabled credit card lifecycle experience”.

With the rising demand for credit cards in the country, it becomes imperative to continuously build innovative payment solutions, such as linking RuPay Credit Cards with UPI, that are convenient, swift, and secure, Asbe added.