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Summary: Can NRIs use UPI in India? Absolutely! As an NRI, make the most of your stay in India by diving into hassle-free and rewarding UPI payments with FIRST WOW! Credit Card. Discover how to link UPI with your credit card and reap the benefits.
Meet Meera, a non-resident Indian (NRI) visiting India after a long time. To make the most of her time in her homeland, she is reconnecting with her family, exploring the familiar yet ever-changing streets, and shopping for traditional treasures that define India.
Amidst this excursion, the widespread adoption of the Unified Payments Interface (UPI), even among small shops and street vendors, catches her attention. UPI payments are seamless, efficient, and convenient.
Unified Payments Interface (UPI) for NRIs allows non-resident Indians to easily and securely transfer money and make payments in India using their international mobile numbers. With UPI for NRI, users can link their NRE or NRO accounts to the UPI platform, enabling seamless digital transactions from abroad.
But can NRIs use UPI? Let’s find out.
Let’s see how UPI has evolved for NRIs –
Also read - What is UPI ID and How to Create UPI ID?
But what if Meera wants to purchase an item that exceeds her current bank balance? This is where FIRST WOW! Credit Card steps in to save her day.
The traditional method involves making UPI payments through NRE/NRO accounts, which does not grant the flexibility of credit cards. To facilitate this, IDFC FIRST Bank has introduced the option for NRIs to link their FIRST WOW! Credit Card to UPI. It transforms this existing credit card into a UPI-compliant digital credit card. That means Meera could now make UPI payments using a credit card, allowing her to shop at her convenience.
FIRST Digital RuPay Credit Card will be issued to the customer linked to FIRST WOW! Credit Card for UPI transactions at just ₹ 199 + GST
This digital RuPay credit card, a plastic-free alternative, brings a dual advantage—the ease of UPI payments and the flexibility of credit card spending. In simpler terms, this UPI-powered credit card will help Meera to –
Step 1 – Opened her preferred UPI application, like GooglePay or PhonePe, on her smartphone
Step 2 – Navigated to the ‘Account’ section within the app
Step 3 – Select IDFC FIRST Credit Card option
Step 4 – Follow the prompts to set up her UPI PIN
Step 5 – And, started making UPI payments using her FIRST Digital RuPay Credit Card
Now that Meera knows how to use her FIRST WOW! Credit Card for UPI payments, she is wondering what the benefits are. These include –
By linking her UPI to the credit card, Meera can –
This means she can travel anywhere in India without any financial worry.
Meera can use her UPI-linked credit card for -
She can simplify her online shopping experience and add to the convenience of managing finances when visiting India.
FIRST WOW! Credit Card offers Meera the following perks for linking her card with UPI –
These rewards, which never expire, accumulate rapidly and make her UPI payments more satisfying. She can redeem these cashback and rewards points on shopping, dining, travel bookings, and more.
But what about the benefits of having a credit card from IDFC FIRST Bank? With FIRST WOW! Credit Card, Meera also gets the following benefits –
With no additional charges on international transactions, Meera can make purchases or payments in foreign currencies without worrying about hidden fees. Zero markup fees ensure she gets the real value without any hidden fees.
Meera’s lifestyle as an NRI involves frequent travel and international transactions. The ability to use her FIRST WOW! Credit Cards globally and make payments in INR provide her with unmatched convenience and simplify her finances.
Meera benefits from a lower APR, starting at just 9%! This translates to cost savings and financial flexibility, allowing her to make necessary payments without incurring high interest charges. It helps keep her spending manageable and doesn't burn a hole in her pocket.
Every purchase with the FIRST WOW! Credit Card earns Meera reward points and cashback, adding a little extra to every transaction. These rewards come with exclusive discounts and offers on shopping at over 300 outlets and dining across 1500+ restaurants. Reward with every swipe!
The ability to withdraw cash globally with 0% interest for up to 48 days provides Meera with a safety net during her travels. It means she can access funds when needed without incurring immediate financial charges.
Worried about transactions while abroad? Meera has a dedicated relationship manager and 24X7 customer support at her fingertips. A simple call will guard her peace of mind, no matter the time zone.
Besides allowing UPI payments and other benefits mentioned above, this card has another advantage. The simple 3-step online application process ensures any NRI like Meera can get their FIRST WOW! Credit Cards without unnecessary complications, saving them time and effort.
Step 1 – Visit IDFC FIRST Bank’s official website and proceed to register for the FIRST WOW! Credit Card. Complete the necessary details and undergo the verification process
Step 2 – Upon successful registration, choose and fund your Fixed Deposit (FD) as per the bank’s guidelines. The FD will serve as security for the credit card
Step 3 – Finalise the application by completing the Know Your Customer (KYC) process
After completing these three steps, the FIRST WOW! Credit Card application will be processed. Upon approval, you will receive your credit card.
Step 1 - Go to mobile banking app and click on banner in credit card section or click here to activate UPI on FIRST WOW!
Step 2 – A FIRST Digital RuPay Credi Card will be issued linked to existing FIRST WOW! Credit Card
Step 3 – Check FIRST Digital RuPay Credit Card details in IDFC mobile banking app and link to UPI apps like Gpay, Paytm, PhonePe etc
Also read - Scan, pay, done! Enjoy advantages of UPI and convenience of Credit Cards with IDFC FIRST Bank
If you are like Meera, an NRI visiting India, FIRST WOW! Credit Cards will add a layer of convenience to your trip. Apply now to not only make UPI payments but also open a world of rewards and benefits. Also, explore the world of NRI banking with IDFC FIRST Bank – where simplicity meets innovation.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.