UPI on Credit Line is a Service that allows users to make UPI Payment through a Credit line issued by a bank, instead of Using their Bank account or Credit card. This Post Provides Detailed information on the Application Process, Profile Setup, and Making Transactions Using UPI on Credit Line.

UPI on Credit Line is a New Feature from bank that allow you to get instant Credit on UPI Payment apps Like PhonePe, Paytm, and Navi. You dont Need a Credit Card or any Other Paper-work to avail this Service. The Bank Provides you with a Credit Limit based on your Credit Profile, and you can use this Credit Limit to make Payment to any UPI Merchant. You only have to Pay interest on the Amount of Credit you Actually use.

What is a Credit line on UPI

A Credit line on UPI Means that a bank offers you a Credit Limit (for example, between ₹5,000 and ₹60,000) that you can Spend by Scanning any Merchant QR Code using Most UPI apps. There No Need for a Credit Card, No Physical Documents are Required, and you don’t Need to Visit a Bank Branch.

Features of Credit Line on UPI

Discover The Power of (Credit Line on UPI) With these Key Benefits:

• Easy Linking: Find Your Credit Line Accounts From the Bank issuing the Credit Limit using your Registered Mobile Number and Link it to your Frequently Used UPI app.

• Secure Authentication: Authenticate your Transactions by Creating a UPI PIN Specifically for the Credit Line on UPI app, Preventing Unauthorized Access and Fraud.

• Credit Line Details: Get Complete Visibility into Your Credit Line Status, Utilized Credit line, and Current EMI detail Directly within your UPI app.

• Multiple Transaction Method: Use Credit Line on UPI to Make Payment by Scanning any Merchant QR Code.

• Transaction Limit: Standard UPI Transaction Limit will apply to Your Credit Line.

• Repayment Method: Understand and effectively utilize Repayment Methods, including Making inward Payment to a Dedicated UPI ID for Credit line Repayment and, where applicable, using e-mandate (Autopay).

• Dispute Resolution: Easily Resolve Disputes through the ODR (UPI-Help) Available on UPI Apps, Ensuring a Transparent and User-Friendly Experience.

Also Read: Best Instant Loan Apps in India 2026

Credit Line on UPI Bank Support

Currently Government and Private bank are offering Credit on UPI to Their Customer. This includes almost all Major and Small bank Such as Axis Bank, Bank of Baroda, Canara Bank, Central Bank of India, City Union Bank, HDFC Bank, IDBI Bank, Indian Bank, Karnataka Bank, North East Bank, PNB Bank, State Bank of India, South Indian Bank, Suryoday Small Finance Bank, Tamilnad Mercantile Bank, and Yes Bank. These banks are currently offering Credit lines to their Customer.

Apps Live Credit Line on UPI

Currently Many UPI apps Support Credit Line on UPI. By Linking your Account to any of These apps, you can use Your Credit Limit for Your Daily Expenses.

How to link Credit Line on UPI

Follow the Below Steps to Set up a Credit Line on UPI: