Credit cards are now among the most convenient payment methods, and they can be used through UPI apps. Since June 2022, the Reserve Bank of India (RBI) has permitted linking credit cards to UPI for payments. This option is available for RuPay credit cards, including the Fibe Axis Bank Credit Card.
From April 15, 2023, you can link your Fibe Axis Bank Credit Card to a UPI ID and use it for seamless digital payments. Linking the Fibe Axis Bank Credit Card is straightforward and enables quick, secure transactions across supported UPI apps.
Below is a clear guide to linking your Fibe Axis Bank Credit Card to a UPI app and using it for payments.
How to link a Fibe Axis Bank Credit Card to your UPI ID?
Before you link the card, create a customer account on your chosen UPI app. Popular UPI apps such as BHIM UPI, Google Pay and Paytm support this process. Once your account is set up, follow these steps to link the Fibe Axis Bank Credit Card:
- Open the UPI app and select the “Add/Link Credit Card” option
- Choose the issuing bank—Axis Bank for the Fibe co-branded credit card
- Select the Fibe Axis Bank Credit Card to link
- Tap “Confirm” to link the card to your UPI ID and move to PIN generation
To activate UPI payments with the linked credit card, you must generate a UPI PIN. This is a four- or six-digit code that authorises each UPI transaction.
Steps to generate your UPI PIN:
- Choose “Generate PIN” in the UPI app
- Select your Fibe Axis Bank Credit Card
- Provide the last six digits of the card number and the expiry date
- Enter the OTP sent to your registered mobile number
- Submit the OTP and set your preferred UPI PIN
How to pay with a credit card through UPI apps?
After linking your Fibe Axis Bank Credit Card and setting a UPI PIN, you can make payments quickly using any supported UPI app.
To pay at a merchant using UPI:
- Scan the merchant’s UPI QR code or enter the merchant UPI ID in the app
- Enter the amount or proceed if the amount is auto-fetched
- Select the Fibe Axis Bank Credit Card as the payment method
- Enter your UPI PIN and confirm the payment
Once the transaction succeeds, the amount is debited from your card’s available credit limit. You can verify the payment by viewing “Transaction History” in the app.
Payments on e-commerce platforms using a credit card via UPI require a slightly different flow. Typically, the merchant sends a payment request that you must approve in your UPI app.
Steps to complete a UPI transaction on an e-commerce platform:
- Select UPI as the payment option at checkout and provide the requested details
- Open your UPI app and approve the merchant’s payment request
- Choose the Fibe Axis Bank Credit Card as your payment method
- Enter your UPI PIN to confirm the payment
Using the Fibe Axis Bank Credit Card through UPI is simple and retains the usual card benefits, including reward accruals. Cardholders continue to manage their card statements and bill payments as they normally would.
For larger expenses that exceed your credit limit, Fibe offers a personal loan facility that can provide additional funds with minimal documentation and quick disbursal.
FAQs on the Fibe Axis Bank Credit Card on UPI Apps
Which UPI apps allow linking credit cards?
Several third-party UPI apps, including BHIM UPI, Google Pay, Paytm UPI, Cred, PhonePe and MobiKwik, support linking RuPay credit cards to UPI IDs.
Can I pay any individual using a Fibe Axis Bank Credit Card via UPI?
No. Credit card payments via UPI are permitted only for merchant transactions (P2M), not for person-to-person transfers.
Is there a limit on the number of transactions with a Fibe Axis Bank Credit Card on UPI?
There is no limit on the number of transactions you can perform with a credit card linked to UPI. Transaction amounts remain subject to your card’s credit limit and any merchant- or app-specific restrictions.