How to Get ₹250 Cashback Using RuPay Credit Card on UPI

Digital payments in India are evolving fast and RuPay Credit Card on UPI is one of the most useful additions to this ecosystem. To encourage users to try this feature RuPay has launched a limited-time cashback offer. Under this offer eligible users can earn a flat ₹250 cashback by making UPI payments using their RuPay credit card. The good thing is that you do not have to spend any extra amount. You only need to use UPI normally for your daily purchases.

This offer is especially useful for users who already own a RuPay credit card but have never linked it to UPI before.

What Is RuPay Credit Card on UPI

RuPay Credit Card on UPI allows you to pay merchants using your credit card through UPI apps. Instead of using your bank account balance the payment is made from your credit limit. This feature was introduced by NPCI to make UPI more flexible and to increase the usage of RuPay credit cards for everyday spending.

Once the card is linked you can scan UPI QR codes at shops just like a normal UPI payment and select your RuPay credit card as the payment option.

RuPay ₹250 Cashback Offer Explained

The ₹250 cashback offer is available only for first time users of RuPay credit card on UPI. To qualify you need to complete two eligible merchant transactions using your linked RuPay credit card. The total value of these transactions should be ₹250 or more.

After completing the transactions successfully, the cashback is processed automatically and credited to your card account within the given time period.

Key Conditions to Get ₹250 Cashback

• Link your RuPay credit card to a supported UPI app
• Use the credit card option while making UPI payments
• Complete at least two merchant transactions
• Ensure the total spend is ₹250 or more
• Do not use RuPay credit card on UPI before the offer

Failing to meet any of these conditions may result in cashback rejection.

Offer Details

The RuPay ₹250 cashback offer is available from 7 January 2026 to 31 March 2026. NPCI can modify or withdraw this offer at any time without prior notice. To be eligible you should not have used a RuPay Credit Card on UPI for any transaction between 1 January 2025 and 31 December 2025. The cashback amount is usually credited within 60 days after the eligible transaction. This offer cannot be combined with any other bank or NPCI offers.

Who Can Avail This Offer

This offer is available only to users who hold a RuPay credit card issued by participating banks. The user should not have used their RuPay credit card on UPI earlier. Even a single past transaction can make you ineligible for this cashback. Most major banks in India support RuPay credit cards on UPI which makes it easier for users to participate in this offer.

Banks Supporting RuPay Credit Card on UPI

• HDFC Bank
• SBI Card
• ICICI Bank
• Axis Bank
• Yes Bank
• IDFC First Bank
• Kotak Mahindra Bank

How to Link RuPay Credit Card to UPI

• Open any UPI app you use like Google Pay, PhonePe, or Paytm.
• Go to the settings or payment methods section
• Choose the option to add a credit card
• Select your RuPay credit card from the available list
• Complete verification and set a UPI PIN

Once linked the card will appear as a payment option during UPI transactions.

How to Make Eligible Transactions

• Open your UPI app
• Scan a merchant QR code or enter the merchant UPI ID
• Select RuPay credit card as the payment method
• Make two payments with total value of ₹250 or more
• Confirm the payment using your UPI PIN

Only merchant payments are valid. Person to person transfers do not count.

Where You Can Use RuPay Credit Card on UPI

You can use RuPay credit card on UPI at most places where UPI payments are accepted. This includes grocery stores restaurants medical shops fuel stations and local retail outlets. In most cases if the merchant accepts UPI QR payments your credit card option will also be visible.

Some small merchants may disable credit card-based UPI payments due to internal limits so it is always better to check the payment screen before confirming.

Benefits of Using RuPay Credit Card on UPI

• Easy cashless payments without carrying the card
• Better cash flow management using credit
• Fast and secure UPI transactions
• Possible reward points from card issuer
• Guaranteed ₹250 cashback for first time users

This makes it suitable for daily spending and small purchases.

Important Things to Remember

• Cashback is applicable only for first time RuPay credit card UPI usage
• Transactions must be merchant payments
• Minimum total spend should be ₹250
• Cashback credit timeline may vary
• Offer can be modified or stopped anytime

Bottom Line

If you already have a RuPay credit card and have not used it on UPI yet this ₹250 cashback offer is a simple and rewarding opportunity. By linking your card and making two normal UPI payments you can experience credit card-based UPI payments without any extra effort. With wide UPI acceptance across India this offer makes daily payments more flexible while giving you guaranteed cashback.