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Link Kotak RuPay Credit Card on UPI
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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.
A UPI PIN needs to be set up to authenticate transactions made via UPI. This will be different from your Credit Card PIN.
● 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.
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
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.
No, only payment to merchant (P2M) will be allowed from the linked Kotak RuPay Credit Card.
Currently, only RuPay Credit Card can be linked on UPI.
There is no limit for the number of transactions carried out from linked 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).
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.
No, you will not be charged for linking or carrying out any transaction from the linked Kotak RuPay Credit Card on UPI.
No, funds cannot be received on linked Kotak RuPay credit card on UPI.
Yes, customer needs to enable Kotak Bank credit card controls (Ecommerce, contactless etc.) separately to use credit card for regular purchases.
Yes, if your Kotak Bank RuPay Credit card is renewed/replaced, customer needs to re-register in UPI with updated credit card details.
Kotak Bank credit card transactions through UPI can be seen in Kotak Mobile Banking App and Kotak Bank RuPay Credit card monthly statement.
Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions).
