Upi payment through rupay credit card

ASPIRIN325

KF Rookie
It seems that RuPay credit cards may not be accepted for all UPI payments, and even when accepted, cashback may not be available... I've got super card pro which is a co branded credit card from Axis bank × super money....but when I scan qr codes at shops sometimes it's shows merchant not accepting card and sometimes if merchant is accepting the card 3% cashback isn't allowed... rarely I see 3% cashback option.
 

TaxWiser

KF Mentor
sometimes if merchant is accepting the card 3% cashback isn't allowed... rarely I see 3% cashback option.
This issue occurs only in Super Money, not all RuPay Credit Cards. If you're looking to maximize rewards, try using the Tata Neu Credit Card via the Tata Neu app—this way, you'll earn 1.5% NeuCoins on every UPI transaction, capped at 500 Neu Coins per month Or else, just use any RuPay Credit Card via the Navi app to get at least some cashback. 🤗
 
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hitirfan

KF Mentor
This issue occurs only in Super Money, not all RuPay Credit Cards. If you're looking to maximize rewards, try using the Tata Neu Credit Card via the Tata Neu app—this way, you'll earn 1.5% NeuCoins on every UPI transaction, capped at 500 Neu Coins per month Or else, just use any RuPay Credit Card via the Navi app to get at least some cashback. 🤗
Some merchants disabled receiving payment from Credit Cards
 

TaxWiser

KF Mentor
Some merchants disabled receiving payment from Credit Cards
I know that, but if you regularly pay a merchant using a credit card like buying groceries and vegetables, Super Money will simply display a message stating that this transaction is not eligible for cashback and won't provide a single paisa, unlike Tata Neu and Navi, which always offer cashback.
 

hitirfan

KF Mentor
I know that, but if you regularly pay a merchant using a credit card like buying groceries and vegetables, Super Money will simply display a message stating that this transaction is not eligible for cashback and won't provide a single paisa, unlike Tata Neu and Navi, which always offer cashback.
Receiving cashback is different. He said merchant doesn't accept Payment through Rupay CC.

I have observed that too. Many shops where I used to pay via Rupay CC don't accept it anymore.
 

TaxWiser

KF Mentor
Receiving cashback is different. He said merchant doesn't accept Payment through Rupay CC.
Read it again Carefully 👇
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Payment issues is a generic problem, and the reason is the same as you mentioned. However, the unusual part here is that Super Money often does not provide cashback on UPI payments made via RuPay Credit Card.
I have observed that too. Many shops where I used to pay via Rupay CC don't accept it anymore.
Merchants are generally unwilling to reduce their profit margins just for customer convenience. 🤑
 

Astha31369

KF Rookie
It seems that RuPay credit cards may not be accepted for all UPI payments, and even when accepted, cashback may not be available... I've got super card pro which is a co branded credit card from Axis bank × super money....but when I scan qr codes at shops sometimes it's shows merchant not accepting card and sometimes if merchant is accepting the card 3% cashback isn't allowed... rarely I see 3% cashback option.
RuPay Credit Card on UPI – Why Issues Happen:

Not all merchants accept RuPay credit cards via UPI. Some QR codes only work with bank accounts, not credit cards.

3% cashback depends on merchant category (MCC). If the merchant is not tagged under the correct category (like dining, online, etc.), cashback won’t apply.

Co-branded card rewards are category-based. UPI transactions may not qualify if they don’t match the cashback terms.

Use apps like PhonePe, Paytm, BHIM for better compatibility, and prefer swiping or online use for assured cashback.
 

RamKa

KF Rookie
When Rupay credit cards were introduced three years ago by PSU banks (only) I did everything viz opening savings account as a qualifying criteria (Indian, UBI and Canara required opening of savings a/c, PNB and BoB did not require savings a/c) and visiting their branches with copies of Aadhaar, PAN, IT return and payslips (Indian,UBI, Canara, PNB) and got Rupay credit card from all of them. Only BoB offered online Rupay card without any savings account or branch visit.

I also opted for BoI with pre-requites of savings account opening. But that bank, even after being called as better of PUS's took 2 years time to enable their Rupay credit card on UPI app for payment..
So far using all of them (except BoI) and earned rewards ( high initially now low). Now after having ICICI Rupay coral card (Lifetime free)on my original ICICI platinum credit card (single monthly billing is advantage), planning to close all PSU bank Rupay cards. I am keeping Bank Of Baroda Rupay credit card for UPI as it offers cashback.
Nowadays I observed that government websites and few private merchant websites like Joi do not allow Rupay credit card payment. Few individuals who received payment via UPI using Rupay credit card also requested banks not to access Rupay Credit card payment. Hence few Rupay UPI credit card failures might be noticed. During 2018, many merchants including wholesalers had switched to UPI and welcoming all UPI payment stating their credit card (VISA, Mastercard and Discover) was not functional. Now I see same merchants asking for cash and not accepting UPI payment from bank account or Rupay credit card as well. These merchant has already discontinued visa or Master card credit card payment machines. Unless MDR is settled Rupay credit card payment acceptance cannot grow though there is growing acceptance at mom and dad stores.
Expecting rewards earning with Rupay credit card using UPI is something I believe is not fair as many transactions on Rupay UPI credit cards are below Rs. 100 and MDR is not still not established.
My experience with Rupay credit card UPI payment using many card is great.
I believe Rupay Credit Card is the future at least in India as Visa and MC will not be interested with voluminous transaction with meagre rupee amounts. Once MDR is fixed, it will further boost UPI credit card payment
 
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