A comprehensive guide on the new Fibe Axis Bank Credit Card on UPI apps

Credit cards have become one of the best ways to transact and you can now utilise your cards through UPI apps. In June 2022, the Reserve Bank of India (RBI) allowed individuals to link their credit cards to make payments through UPI. However, this is only possible with RuPay credit cards like the all-new Fibe Axis Bank Credit Card. 

Effective April 15, 2023, you can use this credit card by linking it to your UPI ID and enjoy all the benefits on offer. Best of all, linking your Fibe Axis Bank Credit Card is easy and facilitates hassle-free digital payments. 

Read on to learn how to link your Fibe Axis Bank Credit Card to your preferred UPI platform and how to pay seamlessly. 

How to link a Fibe Axis Bank Credit Card to your UPI ID?

Before linking your credit card to the UPI app, you will need to create a customer account. This process is fairly straightforward for the BHIM UPI, GPay and Paytm UPI platforms. Once you have an account, link your Fibe Axis Bank Credit Card by following these simple steps:

• Select the ‘Add/Link Credit Card’ option on the UPI App
• Choose the credit card-issuing bank, which is Axis Bank for the Fibe co-branded credit card 
• Select the credit card you want to link, which is the Fibe Axis Bank Credit Card 
• Click on the ‘Confirm’ button to complete linking your credit card to UPI ID and proceed to PIN generation  

To activate your UPI ID linked with your credit card, you must also generate an UPI PIN. It is a four- or six-digit code that authorises your UPI transactions. 

Here is how you can generate your UPI PIN: 

• Select the ‘Generate PIN’ option on the UPI app
• Choose your credit card (Fibe Axis Bank Credit Card in this case)
• Enter your card details like the last 6 digits of your credit card number and the expiry date
• Enter the OTP received on your registered mobile phone
• Submit the OTP and set a PIN of your choice

How to pay with a Credit Card through UPI apps?

Once you have linked your Fibe Axis Bank Credit Card to the UPI ID, you can make quick and easy payments. 

Here is how you can make payments through UPI linked with a credit card:

• Scan the merchant UPI QR code or enter the merchant UPI ID on the app
• Enter the amount you have to pay or proceed with an auto-fetched amount
• Select Fibe Axis Bank Credit Card for transaction
• Enter your UPI PIN and confirm

The amount will be deducted directly from the credit limit of your card once the transaction is successful. You can check the transaction status by tapping on the ‘Transaction History’ option. 

Please note that the process of paying on e-commerce platforms using a credit card through UPI apps differs slightly. You can make UPI payments using a credit card on e-commerce platforms through a request received from the merchant. 

Follow these steps to complete your UPI transaction on an e-commerce platform:

• Select the UPI payment option and enter the requested details at checkout 
• Login to the UPI app and approve the merchant’s request
• Select Fibe Axis Bank Credit Card as the payment option 
• Confirm your payment by entering the UPI PIN

Linking and using the Fibe Axis Bank Credit Card on your favourite UPI app is simple and easy. Digital payments with this card, via UPI apps, will still earn you rewards and you will have to handle bill payments as you normally would. 

For big-ticket expenses that exceed your assigned limit, Fibe has got you covered with its personal loan facility. Get up to ₹5 lakhs with minimal documentation and enjoy quick disbursal. Download the Fibe app on Google Play or the App Store and get funds affordably and completely online!  

FAQs on the Fibe Axis Bank Credit Card on UPI Apps

Which UPI apps allow linking credit cards?

Various UPI third-party apps like BHIM UPI, GPay, Paytm UPI, Cred, PhonePe, MobiKwik, etc., allow users to link RuPay Credit Cards to their UPI ID.

Can I make a payment through UPI using a Fibe Axis Bank Credit Card to any individual?

No, only payment to merchants (P2M) using a credit card linked with UPI is allowed.

Is there any limit on transactions that I can carry out with a Fibe Axis Bank Credit Card linked with UPI?

No, there is no cap on the number of transactions you can perform using a UPI linked with a credit card.