FAQs for UPI on RuPay Credit Card Transactions
UPI on RuPay Credit Card Transactions
What are the prerequisite for linking ICICI Bank RuPay Credit Card on IMobile?
ICICI Bank RuPay Credit Card can be linked on IMobile Pay Application after 1 hour of RuPay Card Creation.
For Non QR UPI transaction, Online Payment needs to be enabled in Card Controls.
QR IMobile UPI transactions can be initiated post linking of RuPay Credit Card to UPI.
What are the prerequisites for linking ICICI Bank RuPay Credit Card on Third Party Application Provider (TPAP) UPI Payment app?
ICICI Bank RuPay Credit Card Expiry Details needs to be entered for the Card to be linked to TPAPs.
How to enable online transactions on IMobile?
Cards & Forex > Select RuPay Credit Card > Manage Card > Enable Online Transactions
How to link RuPay Card to IMobile?
UPI Payments > Manage > My Profile > Create New UPI ID > Select RuPay Credit Card > Select UPI ID > Proceed > Confirm
Will I need a separate UPI PIN for my ICICI Bank RuPay CC for payments?
For iMobile: No Separate UPI PIN needs to be created for IMobile.
NLI iMobile (Non Logged In) – MPIN will suffice as authentication.
LI IMobile (Logged in) – Device Binding and Logged-in is considered as 2 Factor Authentication.
For TPAPs: UPI PIN needs to be created for ICICI Bank RuPay CC when linking it to do UPI payments on TPAPs.
How can I make payment to a merchant using ICICI Bank RuPay Credit Card on UPI?
Once the ICICI Bank RuPay Credit Card is linked to iMobile app, follow the below steps to pay via UPI on CC on IMobile:
Scan QR Payment:
Open Scan and Pay -> Scan the QR code -> Select “Pay with RuPay Credit Card -> Click on Confirm Payment
UPI VPA Payment
Enter VPA at merchant -> Login to IMobile -> UPI Transactions -> Payment Requests - > Accept Payment -. Confirm
Do I need to have same mobile number linked to both my UPI app and my Credit card?
Yes, mobile number used for UPI apps should be same as the mobile number linked to your ICICI Cards.
If you have changed your mobile number, kindly update the same mobile number for your ICICI Bank RuPay Credit Card as well. After updating, kindly re-register the credit card on UPI app.
Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?
No, only payment to merchant (P2M) will be allowed from the linked Credit Card.
P2P and P2PM transactions are not allowed for UPI on CC.
Can I link my Visa/ MasterCard/ Diners Credit Card on UPI?
Currently, as per RBI guidelines, only RuPay Credit Card can be linked on UPI.
What are the limits on transactions allowed from linked Credit Card on UPI?
There is no limit for the number of transactions carried out from linked Credit Card on UPI. However, the Limit on the transaction amount allowed from linked Credit Card on UPI is governed by the UPI transaction limits set by NPCI and the Credit Limit provided to you on your Credit card (whichever is lower).
Note – Limit of UPI transaction amount per Card Per day is Rs.5,000/- within the first 24 hrs. of linking the card in UPI app.
What are the restricted merchant categories on which customer won’t be able to make payment using ICICI Bank RuPay Credit Card on UPI?
Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by ICICI Bank from time to time.
What are the charges for using the Credit Card on UPI
There are no additional charges for linking or carrying out any UPI transaction from the Credit Card.
Can I make my linked Credit Card as default account to receive funds?
No, funds cannot be received on linked credit card on UPI.
Do I need to enable card controls on ICICI Bank RuPay Credit card to use for online transactions?
Yes, Customer needs to enable ICICI Bank credit card controls (Online) using IMobile/ Internet Banking to use Credit card for regular purchases as well as UPI transactions.
If my ICICI Bank RuPay Credit card is renewed, do I need to link it again in UPI?
Yes, incase the ICICI Bank RuPay Credit card is renewed or replaced, customer needs to re-register the Credit card in UPI Apps.
Where can I see the UPI transactions on my ICICI Bank RuPay Credit Card?
ICICI Bank Credit card transactions through UPI platform will also be available in ICICI Bank RuPay Credit card statements every month. The same can be checked on IMobile/ internet banking
Will I earn any reward points for UPI spends using ICICI Bank RuPay Credit Card?
Yes, UPI spends using Credit Card will earn reward points same as the reward point structure of the respective Credit Card.
Will I get any surcharge waiver on fuel purchases done using RuPay Credit Card via UPI mode?
Fuel Surcharge Waiver will be applicable as per the respective Credit Card features
For more details on RuPay Credit card on UPI refer NPCI website