How to Add Rupay Credit Card on PhonePe App?

Have you wondering How to Add Rupay Credit Card on PhonePe App?

In today’s fast-paced world, payment solutions demand speed and simplicity. PhonePe, India’s trusted digital platform, delivers just that. By linking your Rupay credit card to PhonePe, you unlock a vast network of merchants and convenient transactions.

Let’s dive into the easy steps of adding your Rupay credit card on the PhonePe app and simplify your payment experiences!

Benefits of adding Rupay Credit Card on PhonePe App

  • Secure and convenient transactions: PhonePe employs robust security measures to safeguard your financial information, providing peace of mind during every transaction.
  • Widely accepted: Rupay is accepted at millions of merchants across India, both online and offline, making it a versatile payment option for all your purchases.
  • Alternative to Bank balance: Using regular credit you can purchase any product online but credit card does not work everywhere. Rupay Credit card bring power of both Credit card and UPI into one, allowing you to pay any merchant who accept UPI.

Prerequisites for adding Rupay Credit Card on PhonePe App

  • Must have Rupay Credit Card: To link card you must have the card. If you don’t have rupay card but have normal credit card you can ask your bank to provide it.
  • Active internet connection: This will facilitate the smooth addition of your credit card to your PhonePe account.
  • Updated PhonePe app: Ensure you have the latest version of the PhonePe app installed on your smartphone.
  • Register Phone Number: Make sure the number you have registered on the card and phonepe is on the same phone.

Step-by-Step Guide to Add Rupay Credit Card on PhonePe App

Here are the steps you have to follow –

  1. Open the PhonePe app: Launch the PhonePe app on your smartphone.
  2. Tap on ‘My Money’: Locate and tap on the ‘My Money’ tab at the bottom of the app’s home screen.
  3. Select ‘Manage Payment Methods’: Under the ‘My Money’ section, tap on the ‘Manage Payment Methods’ option.
  4. Choose ‘Add New Card’: On the ‘Payment Methods’ screen, select the ‘Add New Card’ button.
  5. Enter Credit Card Details: Enter your Rupay credit card number, expiration date, and CVV. Ensure that the information entered is accurate and matches the details on your physical credit card.
  6. Verify Card Ownership: PhonePe may send a One-Time Password (OTP) to your registered mobile number for verification purposes. Enter the OTP in the designated field to proceed.
  7. Complete the Process: Once the OTP is verified, your Rupay credit card will be successfully added to your PhonePe account. You’ll receive a confirmation message on your registered mobile number.

Additional Tips for Hassle-Free Transactions

  • Set up UPI PIN: Ensure you have created and remember your UPI PIN, as it will be required to authorize every transaction made using your Rupay credit card on PhonePe.
  • Activate card: If your Rupay credit card is new or inactive, contact your bank to activate it before adding it to your PhonePe account.
  • Check card limits: Familiarize yourself with your credit card’s transaction and withdrawal limits to avoid any inconvenience during payments.
  • Update your details: Keep your registered mobile number and email address up to date with your bank to ensure smooth OTP and notification delivery.


Adding Rupay Credit Card on PhonePe App is a straightforward process that empowers you to make secure and hassle-free payments across a wide range of merchants. Follow the step-by-step instructions outlined in this guide to seamlessly link your Rupay credit card with PhonePe and enjoy a convenient digital payment experience.

Rudra is an author and popular YouTuber whose content expertly blends his passions for technology, personal finance, and the exciting world of video games.