UPI Transaction Limit on RuPay Credit Card - Daily Limit @ Rs.2,00,000
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12 FEBRUARY, 2024

RuPay credit cards are a popular choice, bringing convenience and accessibility to transactions. Paired with the efficiency of UPI (Unified Payments Interface), these cards offer seamless payment experiences. However, understanding the transaction limits for UPI payments is crucial to using them effectively. Transaction limits dictate the maximum amount one can transfer or spend in a single transaction or within a specified timeframe. This knowledge helps users optimise their financial activities, ensuring a smooth and secure transactional journey. This article discusses the specifics of UPI transaction limits using RuPay credit cards.

RuPay Credit Cards: A Brief Overview

RuPay is a domestic card network with a special place in India's financial ecosystem. Offering various credit card options, RuPay caters to diverse user needs. The available RuPay credit cards include:

  • RuPay Classic Credit Card
  • RuPay Platinum Credit Card
  • RuPay Select Credit Card
  • RuPay Platinum Contactless Credit Card

These cards come with a range of advantages and features:

  • Wide acceptance at ATMs, PoS terminals, and online platforms
  • Competitive pricing and affordable annual fees
  • Special offers and discounts on various transactions
  • Enhanced security features for safe transactions
  • Tailored to suit different spending patterns and lifestyle needs

RuPay credit cards are designed to provide users with a seamless and rewarding financial experience. With their widespread acceptance, cost-effectiveness, and unique features, credit cards contribute significantly to making digital payments accessible and efficient for individuals across the country.

Rise of UPI Payments

UPI (Unified Payments Interface) has emerged as a game-changer as a digital payment method. Its seamless and instant transaction capabilities make it a preferred choice for individuals and businesses alike. Users benefit from the ease of transferring funds, paying bills, and making purchases with just a few taps on their smartphones. This surge in UPI's prominence aligns with the evolving needs of a tech-savvy society.

RuPay's partnership with UPI makes transactions more versatile, blending RuPay credit card familiarity with UPI speed. This enhances the digital payment ecosystem for evolving consumers, amplifying the efficiency of financial transactions as UPI reshapes digital transactions.

Transaction Limits for UPI Payments with RuPay Credit Cards

RuPay credit card UPI transactions come with specific daily limits. Peer-to-peer transactions may have a daily limit of Rs. 1,00,000 to Rs. 2,00,000, depending on the issuer and card type. For merchant transactions, the daily limits usually range from Rs. 5,000 to Rs. 1,00,000. These variations ensure flexibility for users based on their transaction needs.

Several factors influence these UPI transaction limits, including the type of RuPay credit card and the issuer's policies. Higher-tier cards or specific issuers may offer increased transaction limits, providing users with tailored options aligned with their financial needs. Understanding these details empowers users to navigate their digital transactions seamlessly and make the most of their RuPay credit cards with UPI capabilities.

How to Check Your RuPay Credit Card UPI Transaction Limits?

To check your UPI transaction limits with RuPay credit cards, access the issuer's website or mobile app. Follow these steps:

  • Log in to your account.
  • Navigate to the UPI section.
  • Locate the transaction limit details.

For precise information or if you encounter any ambiguity, reach out to the customer support team. They can provide clarity on your current transaction limits and guide you on any necessary adjustments.

Transaction limits may undergo periodic reviews. Stay informed about any adjustments made by the issuer. Periodic reviews ensure your transaction limits align with your financial needs and the issuer's policies, optimising your payment experience. Keeping yourself updated on these aspects ensures a seamless and secure financial journey with your RuPay credit card.

Tips for Managing RuPay Credit Card UPI Transactions

The limits can vary based on factors like the type of transaction and time frame. Regularly checking for updates from your card issuer ensures you are always in the loop and can adjust your financial activities accordingly. Ensuring the safety of your UPI transactions with RuPay credit cards is a priority. Follow these tips:

  • Set strong, unique passwords
  • Enable two-factor authentication
  • Regularly monitor your transaction history
  • Avoid sharing OTPs and sensitive information

Card issuers often provide supplementary security features to enhance transaction safety. These may include biometric verification or transaction alerts. Take advantage of these offerings to fortify the security of your UPI transactions. A proactive approach to security ensures a seamless and protected digital payment experience with your RuPay credit card.

Benefits of UPI Transactions with RuPay Credit Cards

These are some advantages of UPI transactions with RuPay credit cards:

  • Swift and Convenient: UPI ensures rapid and hassle-free payments, making transactions efficient.
  • Cost-Effective: Enjoy economical transactions with minimal fees, saving on financial transactions.

Versatile Integration: Seamlessly connect with diverse platforms and services, enhancing payment flexibility.

  • Enhanced Security: Benefit from secure transactions, reducing the risk associated with financial activities.
  • Real-Time Updates: Stay informed with instant updates on your UPI limit and transactions, ensuring transparency and control.
  • Simplified Budgeting: Track and manage expenses effortlessly with real-time updates, aiding in budgetary control.
  • Wider Acceptance: Experience broader acceptance across merchants and platforms, increasing your payment options.
  • Rewards and Cashbacks: Earn enticing rewards and cashbacks on UPI transactions, maximising the value of your financial activities.
  • User-Friendly Interface: Enjoy a user-friendly interface that ensures a smooth and intuitive UPI transaction experience.
  • Enhanced Financial Planning: Utilise detailed transaction records for comprehensive financial planning and analysis.

Now that you know the benefits of RuPay credit cards, it’s time to apply for the Kotak UPI RuPay Credit Card - a lifetime-free virtual card. It comes with no joining or annual fees and gives you three reward points for every Rs 100 spent.


Understanding the transaction limits for UPI transactions using RuPay credit cards is pivotal. The digital payment landscape is continually evolving, and being well-versed in transaction limits ensures users make the most of their financial tools. As we navigate the future, RuPay credit cards continue to play a significant role in fostering seamless and secure transactions through the UPI platform. It's not just about spending; it's about optimising the potential of digital payments for a more streamlined and empowered financial journey. Stay informed, transact wisely, and embrace the future of digital finance with RuPay credit cards and UPI transactions.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.