Axis Bank Credit Card Payment through UPI

Last Updated : May 7, 2025, 5:01 p.m.

In today’s digital era, making credit card payments has evolved beyond traditional methods. Axis Bank, one of India’s leading private sector banks, now offers its customers the convenience of making credit card payments through the Unified Payments Interface (UPI) . This integration marks a significant advancement in India’s digital payment ecosystem, providing cardholders with enhanced flexibility and convenience. This comprehensive guide explores everything you need to know about Axis Bank credit card payments through UPI.

Axis Bank Credit Card Payments through UPI - An Introduction

The National Payments Corporation of India (NPCI) introduced the facility to connect RuPay credit cards to UPI in September 2022. This integration allows Axis Bank credit card holders to leverage the convenience and widespread acceptance of UPI while utilizing their credit card benefits. As of 2025, Axis Bank is among the 22 major banks offering this feature, enabling customers to make seamless payments through popular UPI apps.

The UPI-credit card integration represents a significant shift in how consumers manage their finances, offering a bridge between credit card benefits and the convenience of India’s most popular digital payment system.

How to Link Your Axis Bank Credit Card to UPI?

Linking your Axis Bank credit card to UPI is a straightforward process that can be completed in a few simple steps:

Registration Process:

1. Download a UPI-enabled App: Install any UPI-supported application like BHIM, PhonePe, or Google Pay from the Google Play Store or App Store.
2. Select Credit Card Option: After registering or logging into the app, navigate to the “Add Payment Method” section and select “Credit Card” as your preferred payment method.
3. Choose Axis Bank: Select Axis Bank from the list of issuing banks displayed.
4. Verify Mobile Number: Ensure your mobile number is updated with Axis Bank. Your masked RuPay credit cards will appear on the screen.
5. Select Card & Set UPI PIN: Choose the Axis Bank credit card you wish to link, confirm your selection, and generate your UPI PIN to complete the setup process.

UPI ID Formation:

For Axis Bank customers, the UPI ID usually follows this format:
91<10-digit registered mobile number>@axisbank

Making Payments Using Axis Bank Credit Card through UPI

Post the successful linking of your Axis Bank credit card to your UPI account, making payments becomes simple and convenient:

1. Open your UPI-enabled app
2. Select the “Pay” option
3. Scan a QR code or choose options like “Pay to Phone Number” or “Pay to Contacts”
4. Enter the payment amount
5. Choose your linked Axis Bank credit card as the method of payment.
6. Enter your UPI PIN to authenticate and complete the transaction

This process works for merchant payments, utility bills, fund transfers, and more - anywhere UPI is accepted.

Benefits of Using UPI for Axis Bank Credit Card Payments

The integration of Axis Bank credit cards with UPI offers numerous advantages for cardholders:

Extended Payment Flexibility

• Interest-Free Credit Period: Utilize your credit card’s interest-free period while enjoying the convenience of UPI payments.
• Better Cash Flow Management: By using your credit card’s billing cycle, you can effectively delay payments, which helps in better managing your cash flow.

Enhanced Convenience

• Wider Acceptance: Pay even at establishments that don’t directly accept credit cards but do accept UPI payments.
• Cardless Transactions: Use your credit limit without carrying your physical card, making transactions more efficient.
• Simplified Process: No need to manually enter credit card details for each transaction.

Improved Security

• Multi-Factor Authentication: UPI transactions are protected by multiple security layers, including UPI PIN and OTP verification.
• Reduced Fraud Risk: Minimized exposure of card details during transactions reduces the risk of card fraud.

Cost Benefits

• No Additional Fees: There are no extra charges for making payments through UPI with your Axis Bank credit card.

Impact on Your CIBIL Score

Using your Axis Bank credit card through UPI can potentially impact your CIBIL score in several ways:

Positive Impacts

• Timely Payments: Regular and on-time payments of your credit card bills, regardless of the payment method, positively affect your credit score.
• Credit Utilization: Proper management of your credit limit when using UPI can help maintain a healthy credit utilization ratio, which is beneficial for your CIBIL score.

Potential Concerns

• Overspending Risk: The convenience of UPI payments might lead to increased spending, potentially resulting in higher credit utilization or missed payments if not managed properly.
• Payment Tracking: It’s crucial to keep track of all UPI-based credit card transactions to ensure timely repayment and avoid negative impacts on your credit score.

Limitations and Considerations

While Axis Bank credit card payments through UPI offer numerous benefits, there are some limitations to keep in mind:

Reward Implications

• Reward Eligibility: UPI-based credit card transactions might not always qualify for cashback or reward points, depending on Axis Bank’s specific policies.

Financial Management Considerations

• Overspending Risk: The convenience of UPI payments might encourage overspending, which could lead to debt accumulation if not monitored carefully.
• Interest and Fees: Credit card balances not paid within the billing cycle may incur interest and late payment fees.
• Transaction Limits: Certain limits may apply to UPI transactions made using credit cards.

Troubleshooting Common Issues

When using Axis Bank credit cards with UPI, you might encounter these common issues:

Registration Problems

• Incompatible Card: Ensure your Axis Bank credit card is eligible for UPI linkage (currently limited to RuPay credit cards).
• Mobile Number Mismatch: Confirm that the mobile number used for UPI registration matches the one registered with Axis Bank.

Transaction Failures

• Incorrect UPI PIN: When confirming transactions, double-check your UPI PIN.
• Network Issues: Ensure stable internet connectivity during transactions.
• Exceeded Limits: Be aware of daily or per-transaction limits that might restrict your payment.

Conclusion

The integration of Axis Bank credit cards with UPI represents a significant advancement in India’s digital payment landscape, offering cardholders unprecedented convenience and flexibility. By understanding the process, benefits, and considerations outlined in this guide, you can maximize the advantages of this payment method while maintaining good credit health. As UPI adoption continues to surge, this feature positions Axis Bank at the forefront of innovative payment solutions in the Indian banking sector.