The process is simple. Just a few steps inside the app.

Once added, the card can be used for eligible payments.

Can Credit Card Be Added to PhonePe?

Yes.

Credit cards issued on networks like:

• Visa
• Mastercard
• RuPay

can usually be added to PhonePe.

However, usage may vary depending on:

• Card type
• Bank policies
• Transaction category

Not all payments allow credit cards.

Step-by-Step: How to Add Credit Card to PhonePe

Follow these steps inside the PhonePe app:

1. Open the PhonePe app
2. Tap on Profile or bank account section
3. Select “Add New Card”
4. Choose “Credit Card”
5. Enter card number, expiry date, and CVV
6. Enter OTP received on registered mobile number
7. Confirm and save

Once verified, the card gets linked.

Process usually takes 2–3 minutes.

Where Can Credit Card Be Used on PhonePe?

Credit cards can be used for:

• Online merchant payments
• Bill payments (where supported)
• Recharge payments (if allowed)
• Some UPI payments (RuPay credit card only)

For UPI payments, only RuPay credit cards support linking to UPI.

Visa and Mastercard typically work for merchant payments, not peer-to-peer UPI transfers.

Can Credit Card Be Used for UPI on PhonePe?

Yes, but only if:

• The credit card is RuPay
• Bank supports RuPay credit card on UPI

Once linked:

• Merchant UPI payments can be made
• Person-to-person transfers are usually not allowed

This depends on bank and RBI rules.

Are There Charges for Using Credit Card on PhonePe?

Sometimes yes.

Certain payments may include:

• Convenience fee
• Processing charge
• Interest if not paid in full later

Always check payment screen before confirming.

Some bill payments may charge extra for credit card use.

What If Card Is Not Getting Added?

If the card fails to add:

• Check internet connection
• Verify card details
• Ensure OTP is entered correctly
• Confirm card is active

If issue continues, contact bank or PhonePe support.

Inactive or blocked cards won’t link.

Can Multiple Credit Cards Be Added?

Yes.

Multiple cards can be saved in the app.

Users can select preferred card during payment.

Managing multiple cards helps compare rewards.

Is It Safe to Add Credit Card to PhonePe?

PhonePe uses secure encryption systems.

However, safety also depends on user habits.

Basic safety steps:

• Do not share OTP
• Lock phone with PIN or biometric
• Enable transaction alerts
• Avoid saving card on shared devices

Security is shared responsibility.

Can Credit Card Be Removed Later?

Yes.

To remove:

• Go to saved cards
• Select the credit card
• Tap remove or delete

Card gets unlinked instantly.

No fee for removal.

Does Adding Credit Card Affect Credit Score?

No.

Adding the card to PhonePe does not affect credit score.

Credit score depends on:

• Payment behaviour
• Credit utilisation
• Loan repayment

App linking doesn’t impact score.

What About Auto-Payments?

Credit card can be selected for:

• Recurring subscriptions
• Bill auto-pay

Ensure sufficient limit and timely payment.

Missed credit card bill can cause penalties.

FAQ

Can Visa credit card be added to PhonePe?

Yes, for supported merchant payments.

Can credit card be used for UPI on PhonePe?

Only RuPay credit cards support UPI linking.

Is there a fee for adding credit card?

No, adding is free. Some transactions may include charges.

In Short

Credit cards can be added to PhonePe easily through the app.

OTP verification completes the process.

Usage depends on card network and payment type.

Still unsure whether credit card payments make sense for regular transactions?