RuPay Credit Cards FAQs

Faq-Position:1

Why is my card not being fetched in any of the UPI apps like GPay, PhonePe, BHIM etc.?

Customers with multiple CRNs (Customer Relationship Number) will not be able to link their Kotak RuPay credit cards on any of the UPI apps for now.

They should be able to link it October onwards.

For newly created credit cards, it takes 24 hours to be reflected in any UPI apps.

Faq-Position:2

How can I authenticate my Credit Card transactions on UPI?

A UPI PIN needs to be set up to authenticate transactions made via UPI. This will be different from your Credit Card PIN.

Faq-Position:3

How can I change my UPI PIN?

You cannot change your UPI PIN for now.

Faq-Position:4

How can I make payment to an offline retail merchant using Kotak Bank RuPay Credit Card on UPI?

● Link your Kotak RuPay credit card to the UPI App

● Open the UPI app on your mobile

● Scan the QR and enter the amount.

● Select Kotak Bank RuPay credit card from the drop-down menu

● Confirm the payment by entering UPI PIN.

Faq-Position:5

How can I make a payment to an e-commerce/online merchant using Kotak Bank RuPay Credit Card on UPI?

There are 2 ways through which this can be done depending on the type of transaction.

i) Collect Request (Merchant initiated request)

● While making the payment select UPI as the payment method

● Enter you UPI ID (VPA)

● Login to the UPI application

● Approve and authenticate the request using UPI PIN, which has been initiated by the e-commerce merchant

● Once payment is successful, you will be routed back to the merchant page

ii) Intent Request (Customer initiated)

● While making the payment select UPI as the payment method

● Select the preferred UPI apps from the list displayed

● Login to the UPI application

● Authenticate the transaction using UPI PIN

● Once payment is successful, you will be routed back to the merchant page

Faq-Position:6

What if I change my mobile number, how can I link my Kotak Bank RuPay Credit Card on UPI app?

If you have changed your mobile number, kindly update the same for your Kotak Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

Faq-Position:7

Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?

No, only payment to merchant (P2M) will be allowed from the linked Kotak RuPay Credit Card.

Faq-Position:8

Can I link my Visa/MasterCard Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

Faq-Position:9

How many transactions can I make from linked Kotak RuPay Credit Card on UPI?

There is no limit for the number of transactions carried out from linked Credit Card on UPI.

Faq-Position:10

Is there any limit on the amount of transaction that I can make using my linked Kotak RuPay Credit card on UPI?

The amount limit per card per day will be equal to the UPI limit, (i.e. Rs. 1 lakh per day and Rs. 2 lakh per day in some special cases).

However, it will be subject to the available credit limit on your credit card.
Please note - Amount limit per day per card is Rs.5,000 for first 24 hours of linking the card to the UPI app.

Faq-Position:11

What are the restricted merchant categories on which I will not be able to make payment using Kotak Bank RuPay Credit Card on UPI?

Restricted categories are –
Peer to Peer (P2P), Peer to Peer Merchant (P2PM), digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories which are restricted by Kotak Mahindra Bank.

Faq-Position:12

Will I be charged for linking or making any transaction from Kotak RuPay Credit Card on UPI?

No, you will not be charged for linking or carrying out any transaction from the linked Kotak RuPay Credit Card on UPI.

Faq-Position:13

Can I make my linked Kotak RuPay Credit Card as default account to receive funds?

No, funds cannot be received on linked Kotak RuPay credit card on UPI.

Faq-Position:14

Do I need to enable card controls on Kotak RuPay Credit Card to use for online or contactless transactions?

Yes, customer needs to enable Kotak Bank credit card controls (Ecommerce, contactless etc.) separately to use credit card for regular purchases.

Faq-Position:15

If my Kotak Bank RuPay Credit card is renewed, do I need to link it again in UPI?

Yes, if your Kotak Bank RuPay Credit card is renewed/replaced, customer needs to re-register in UPI with updated credit card details.

Faq-Position:16

Where can I see my Kotak RuPay Credit card transactions made through UPI?

Kotak Bank credit card transactions through UPI can be seen in Kotak Mobile Banking App and Kotak Bank RuPay Credit card monthly statement.

Faq-Position:17

Will I earn any reward points for UPI spends using Kotak Bank RuPay Credit Card?

Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions).

For more details on RuPay Credit card on UPI refer NPCI website
https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

Faq-Position:18

Is UPI facility available on Add-on Rupay Credit Cards?

No, UPI functionality is not available for Add-on Rupay Credit Cards.