Is it allowed to link an AU Small Finance Bank credit card to a UPI app (like Google Pay, PhonePe, or Paytm) for making payments? How can the cardholder link their credit card to UPI, and what are the steps to make payments? Are there any limitations or fees for using the credit card for UPI payments?
UPI and QR code transactions are made easy using the AU Small Finance Bank’s InstaPay RuPay Credit Card. After downloading the app, registering, adding your card, verifying your card details, and setting a UPI PIN, you can link your card to UPI apps like BHIM, Paytm, or Mobikwik. With a maximum of ₹100 every statement cycle, get 1% cashback on UPI transactions. You can only attach your RuPay network credit card to UPI. See the official instructions of the AU Small Finance Bank for further details.
From my own experience of exploring different payment options with AU Small Finance Bank, I found that making payments has become far more convenient with UPI integration.
Yes, AU Small Finance Bank allows you to link your credit card with UPI, provided it is a RuPay credit card. Once linked, you can make UPI payments directly from your AU credit card using apps like BHIM, Google Pay, or PhonePe.
This feature is especially useful for managing day-to-day expenses without always relying on your debit card or net banking.
It also ensures you continue enjoying the benefits of your credit card, such as reward points or offers, even while making small UPI transactions.
For complete details and the latest updates, you can check AU Small Finance Bank’s official page on