ICICI Bank RuPay Credit Card holders can now link their RuPay Credit Cards to UPI on the iMobile app with the following steps:
Step 1: Download & log in to the iMobile app
Step 2: Select ‘UPI transactions’
Step 3: Click on ‘Manage’
Step 4: Select ‘My Profile’
Step 5: Click on ‘Link Your RuPay Credit Card to UPI’
Step 6: Enter the VPA ID of your choice and check its availability
Step 7: Click on ‘Proceed’
Step 8: Select the RuPay Credit Card number to be linked
Step 9: Click on ‘Confirm’.
Please refer to the Most Important Terms & Conditions (MITC) for UPI on CC Terms & Conditions

Scan QR to Link Your RuPay Credit Card to UPI
ICICI Bank RuPay Credit Card holders can pay at merchant QR Code with the following steps:
Step 1: Download & log in to the iMobile Pay app
Step 2: Select ‘Scan any QR’
Step 3: Scan the QR code of the merchant
Step 4: Enter the amount to be paid
Step 5: Select ‘ICICI RuPay Credit Card’ from the list of VPAs created
Step 6: Click on ‘Review Payment’.
Step 7: Review the Payment details and click on ‘Confirm’
Step 8: Enter M-PIN created for the iMobile Pay app.
Please refer to the Most Important Terms & Conditions (MITC) for UPI on CC Terms & Conditions
ICICI Bank RuPay Credit Card holders can use the following steps for conducting payments at online merchants by entering the VPA linked to RuPay Credit Card:
Step 1: Enter the VPA ID created for RuPay Credit Card on the merchant page and click on ‘Request Payment’
Step 2: Download & log in to the iMobile Pay app
Step 3: Select ‘UPI transactions’
Step 4: Select ‘Payment Requests’
Step 5: Under the tab labelled ‘Pending with me’, all active collect requests will be shown
Step 6: Select the payment from the list of active collect requests and click on ‘Accept’.
Step 7: Review the payment details and click on ‘Confirm’
Step 8: ‘Payment Initiated’ Page will be generated. Customers should wait for the confirmation of payment
Step 9: ‘Transaction successful’ message will be displayed to the customer once the payment confirmation is received.
Please refer to the Most Important Terms & Conditions (MITC) for UPI on CC Terms & Conditions
- Seamless UPI Linking: Link your RuPay Credit Card effortlessly with UPI on the iMobile app for seamless transactions. Enjoy added convenience and rewards while making payments through the app.
- Easy Card EMIs: Transform expensive purchases into manageable Equated Monthly Instalments (EMIs) for stress-free spend management.
- Get a Loan on Credit Card: With your RuPay Credit Card, you can apply for loans that give quick access to funds for personal or emergency needs
- Fast Approval: Experience a fast and simple online application process with minimal documentation, so that you can start using your Card sooner.
- UPI Payment Rewards:When you use your RuPay Credit Card to make daily payments, you can maximise your benefits by earning reward points for each transaction.
It is important to understand the fees of your RuPay Credit Card. Here is a summary.
Card Name |
Joining Fee |
Annual Fee |
Coral RuPay Credit Card |
₹ 500 + GST |
₹ 500 + GST |
Sapphiro RuPay Credit Card |
₹ 6,000 + GST |
₹ 3,500 + GST |
Rubyx RuPay Credit Card |
₹ 3,000 + GST |
₹ 2,000 + GST |
MakeMyTrip RuPay Credit Card |
₹ 999 + GST |
₹ 999 + GST |
HPCL Super Saver RuPay Credit Card |
₹ 500 + GST |
₹ 500 + GST |
ICICI Bank RuPay Credit Cards and UPI Apps
UPI apps integrate seamlessly with ICICI Bank RuPay Credit Cards. By connecting your ICICI Bank RuPay Credit Card to UPI apps, you can make quick and safe payments for bills and everyday expenses, streamlining your transactions and optimising rewards.
Dos & Don'ts for using your RuPay Credit Card on UPI
Do |
Don’t |
Enable SMS, Contacts and Call access on your UPI app to link your RuPay Credit Card |
Don’t share your UPI PIN, OTP or Credit Card details with anyone |
Set a unique UPI PIN for Credit Card transactions on UPI |
Avoid using the same UPI PIN for your Credit Card and Bank Accounts |
Use RuPay Credit Card for merchant QR code payments only |
Don’t exceed your credit limit |
Update your mobile number with the Bank for smooth linkage |
Don’t use the RuPay Credit Card for person-to-person payments, IPO purchases or other restricted transactions |
Regularly check balance and outstanding amount on UPI apps before paying |
Don’t make payments through UPI using a RuPay Credit Card for prohibited categories, as directed by RBI or the issuing Bank |
Rupay Credit Cards
FAQs for UPI on RuPay Credit Card Transactions