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Axis Bank RuPay Credit Card on UPI

Axis Bank RuPay Credit Cards can now be linked to your UPI ID.

  • ... and others.

This seamless, safe and secure digital payment method allows customers to make credit card transactions with utmost ease and provides an increased opportunity to use their Credit Cards with existing benefits.

  • Earn Reward points on UPI spends

  • Secure & Seamless transactions

  • Experience convenience with Wide acceptance

Steps to link Axis Bank RuPay Credit Card on UPI


Customer Account Creation (if not already done) on UPI Third Party Application


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

Set UPI Pin


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

Pay with Axis Bank RuPay Credit Card on UPI


  • Scan Merchant QR Code or enter Merchant UPI ID
  • Enter Amount or pay auto-fetched amount
  • Select Axis Bank RuPay Credit Card Account
  • Enter UPI PIN > Confirm
  • Transaction status can be seen at Transaction History


Frequently Asked Questions

No, once you receive Axis Bank RuPay Credit Card, you can link it directly with UPI Application by entering last 6-digits of credit card and expiry date.

Currently, on BHIM, PhonePe, Slice, Mobikwik and Paytm app customer can link their RuPay Credit Card on UPI. Other apps are enhancing their tech platforms to enable linking of credit card on UPI.

No. You will have to set a separate UPI Pin to authenticate payment transactions using Axis Bank RuPay Credit Card via UPI App..

No, the UPI app will not allow the customer to register.

Yes, you can change UPI pin of your Axis Bank RuPay Credit Card account on the UPI App.

Yes. Select the Axis Bank RuPay Credit Card account for which UPI pin to be reset and select ‘Forgot UPI Pin’ option. Follow the Steps.

The existing functionality of UPI will be followed where with multiple incorrect UPI PIN attempts, customer will not be able to make transaction using that UPI App for few hours. However, the Axis Bank RuPay credit card will remain unaffected and stay functional on other UPI Apps, POS, Ecomm and ATM.

If you have changed your mobile number, kindly update the same for Axis Bank RuPay Credit Card too. Post updating, kindly re-register the credit card on the UPI App.

Login to UPI App, scan Merchant UPI or QR code, enter the amount, select Axis Bank RuPay Credit Card account, enter UPI Pin, confirm.

Payment can be made for e-commerce merchant through the request received from the merchant. Select UPI App as payment mode at merchant website/app, login into UPI App, select Axis Bank Credit Card, and confirm payment using UPI Pin. Once the payment is successful, you will be re-directed back to the merchant page.

No, only payment to merchant (P2M) will be allowed from the linked Axis Bank RuPay Credit Card.

No. Currently, only active Axis Bank RuPay Credit Card can be linked on UPI.

There is no restriction of linking Axis Bank RuPay Credit Cards on UPI.

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

You will not be charged for linking or carrying out any transaction from the linked Axis Bank RuPay Credit Card on UPI.

Transaction limits for RuPay Credit Card on UPI will be as per existing UPI transaction limits. UPI Limit - 1 lakh per day for Offline and Small Merchant, 5 lakhs per day for the other categories. Also, 2 lakh for some special Insurance MCC codes i.e 5960, 6300 & 6529, however it will be limited to the available credit limit on your card. 
RuPay Credit Card on UPI can be used only for merchant payments, barring a few which are restricted as per guidelines given below.

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 the Axis Bank/RBI.

Yes. Charge back or refund can be raised by connecting with Axis Bank or the UPI App on which the transaction was completed.

Axis Bank RuPay Credit Card cannot be made as a default option to receive funds.

Yes, in case of new card issuance, you will need to re-register on UPI app with updated Credit Card details.

Yes, in case there is change in device, you will have to re-register on UPI app with the same SIM. Application installed in previous device will be de-registered.

Payment transactions done using Axis Bank RuPay Credit Card through UPI can be viewed in the monthly credit card statements. The transaction history will also be displayed on UPI App used for making payment.

Yes, the customer will continue earning EDGE Reward points as per existing product offering.

If Fuel surcharge is levied, it will be waived off as per existing terms and conditions of selected Axis Bank RuPay Credit Card. For example, In Indian Oil Axis Bank Credit Card, you will get a fuel surcharge waiver of 1 % for fuel spends made between Rs 200 to Rs 5000. Maximum waiver of Rs 50 is given per statement cycle. GST charged on fuel surcharge will be non-refundable.

     For all important updates regarding Axis Bank Credit Cards, please click here.


    In case of queries, please contact us at any of our touch points given below:


  • For Retail Banking segment, call 18604195555 / 18605005555 (charges applicable) or 18001035577 (toll-free).
  • For Burgundy segment, call the exclusive toll-free number 1800419006.
  • For Burgundy Private segment, call the exclusive toll-free number 18002108888.
  • Alternatively, you may also check the details at www.axisbank.com


Contact Us :

Worli Corporate Office Address: Near Bombay Dyeing, Wadia International Centre, C-2, Pandurang Budhkar Marg, Kamagar Nagar Number 1, Parel, Mumbai, Maharashtra 400025