At present, the RuPay credit card on the UPI facility is available on the BHIM app only for certain bank customers. "Customers of Punjab National Bank, Union Bank of India, and Indian Bank will be the first to be able to use RuPay Credit Card on UPI with BHIM App," according to an NPCI circularme text
RuPay credit card linkage to UPI
The process of linking a RuPay credit card with UPI is quite similar to the way a user links a savings bank account or debit card to UPI.
RuPay credit card-UPI handle cannot be used to make payments to any other credit card-UPI handles too.
Transferring money to small merchants under P2PM category (Small merchants with an expected inward UPI transaction less than or equal to Rs 50,000 per month are categorised as 'P2PM' by NPCI)