{"id":123,"date":"2026-07-25T17:31:55","date_gmt":"2026-07-25T12:01:55","guid":{"rendered":"https:\/\/nexifymoney.in\/blog\/rupay-credit-card-on-upi-3-payments-you-cant-make-what-to-use-instead\/"},"modified":"2026-07-25T17:31:56","modified_gmt":"2026-07-25T12:01:56","slug":"rupay-credit-card-on-upi-3-payments-you-cant-make-what-to-use-instead","status":"publish","type":"post","link":"https:\/\/nexifymoney.in\/blog\/rupay-credit-card-on-upi-3-payments-you-cant-make-what-to-use-instead\/","title":{"rendered":"RuPay Credit Card on UPI: 3 Payments You Can&#8217;t Make &amp; What to Use Instead"},"content":{"rendered":"<p>The convenience of linking your RuPay credit card to UPI has revolutionized digital payments in India, making everyday transactions smoother and more rewarding. However, it is essential to understand that this powerful combination has certain limitations. Not all payments are supported, and knowing these restrictions can save you from unexpected hassle.<\/p>\n<div class=\"nma-summary\">\n    <strong>\ud83d\udccb Quick Summary<\/strong><\/p>\n<ul>\n<li>RuPay credit cards on UPI cannot be used for Person-to-Person (P2P) transfers, cash withdrawals, or certain restricted merchant categories.<\/li>\n<li>For P2P payments and everyday banking, a robust Debit Card like HDFC Bank Platinum Debit Card is ideal.<\/li>\n<li>For urgent cash needs where credit card withdrawal isn&#8217;t an option, a Personal Loan from providers like Bajaj Finserv offers a flexible solution.<\/li>\n<li>For broader credit card acceptance and specific online transactions, a Premium Visa\/Mastercard like HDFC Bank Millennia Credit Card is a strong alternative.<\/li>\n<li>Digital Wallets such as Paytm Wallet &amp; UPI excel in small, quick payments and P2P transfers from bank accounts.<\/li>\n<li>Buy Now Pay Later (BNPL) services like Simpl provide convenient credit for specific online merchant payments, bypassing credit card UPI limitations.<\/li>\n<\/ul>\n<\/div>\n<p>While the ability to scan a QR code and pay with your RuPay credit card via UPI is incredibly convenient for most merchant payments, there are specific scenarios where this functionality simply doesn&#8217;t apply. Understanding these limitations is crucial for every Indian consumer looking to optimize their personal finance and payment strategies. This detailed guide will walk you through the three key payment types where your RuPay credit card linked to UPI won&#8217;t work, and crucially, provide you with alternative financial products and services that can effectively fill these gaps.<\/p>\n<p>From sending money to a friend to needing emergency cash, we\u2019ll explore the best tools in your financial arsenal to ensure you\u2019re always prepared. We&#8217;ll compare five top financial products available in India, helping you make informed decisions about managing your money efficiently.<\/p>\n<h2>Quick Comparison Table<\/h2>\n<table border=\"1\">\n<thead>\n<tr>\n<th>#<\/th>\n<th>Product<\/th>\n<th>Key Rate\/Fee<\/th>\n<th>Best For<\/th>\n<th>Our Rating<\/th>\n<th>Link<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>HDFC Bank Platinum Debit Card<\/td>\n<td>Annual Fee: INR 750 + GST<\/td>\n<td>P2P UPI, Cash Withdrawals, Everyday Banking<\/td>\n<td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td>\n<td><a href=\"HDFC Bank Platinum Debit Card]\">Check Details<\/a><\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>Bajaj Finserv Personal Loan<\/td>\n<td>Interest Rates from 11% p.a.<\/td>\n<td>Urgent Cash Needs, Large Expenses<\/td>\n<td>\u2b50\u2b50\u2b50\u2b50<\/td>\n<td><a href=\"Bajaj Finserv Personal Loan]\">Check Details<\/a><\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>HDFC Bank Millennia Credit Card<\/td>\n<td>Annual Fee: INR 1,000 + GST<\/td>\n<td>Online Shopping, Bill Payments, Broader Acceptance<\/td>\n<td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td>\n<td><a href=\"HDFC Bank Millennia Credit Card]\">Check Details<\/a><\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Paytm Wallet &amp; UPI<\/td>\n<td>Wallet KYC Fees (if applicable), UPI is Free<\/td>\n<td>Small Payments, P2P Transfers (from bank account)<\/td>\n<td>\u2b50\u2b50\u2b50\u2b50<\/td>\n<td><a href=\"Paytm Wallet &amp; UPI]\">Check Details<\/a><\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>Simpl (BNPL Service)<\/td>\n<td>No interest for on-time payments, late fees apply<\/td>\n<td>Online Merchant Payments, Bill Payments, Food Delivery<\/td>\n<td>\u2b50\u2b50\u2b50\u2b50<\/td>\n<td><a href=\"Simpl (BNPL Service)]\">Check Details<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Let&#8217;s dive deeper into the specific payments where your RuPay credit card on UPI falls short and explore how these alternative products can be your go-to solutions.<\/p>\n<h3>The 3 Important Payments Where RuPay Credit Card on UPI Won&#8217;t Work<\/h3>\n<p>While linking your RuPay credit card to UPI offers unparalleled convenience for merchant payments, it&#8217;s crucial to understand its limitations. Here are three significant payment scenarios where you cannot use your RuPay credit card via UPI:<\/p>\n<ol>\n<li><strong>Person-to-Person (P2P) Transfers:<\/strong> The primary function of RuPay credit card on UPI is to facilitate Person-to-Merchant (P2M) transactions. This means you can pay businesses, stores, and service providers (like electricians, plumbers, or salons) by scanning their QR code. However, you cannot use your RuPay credit card linked to UPI to send money directly to another individual&#8217;s bank account. For instance, if you need to split a dinner bill with a friend or pay your maid, your RuPay credit card on UPI won&#8217;t be the solution. These transactions are strictly for bank account to bank account transfers via UPI.<\/li>\n<li><strong>Cash Advances\/Withdrawals:<\/strong> Just like traditional credit cards, using your RuPay credit card on UPI for cash withdrawals or cash advances is not permitted. You cannot visit an ATM and withdraw cash using your credit card linked to UPI, nor can you use it to get cash from a merchant. Credit cards are designed for cashless transactions, and cash withdrawals typically incur high fees and interest from day one, even with traditional credit cards. The UPI linkage doesn&#8217;t change this fundamental rule; it doesn&#8217;t transform your credit card into a debit card for cash access.<\/li>\n<li><strong>Specific Restricted Merchant Categories \/ Quasi-Cash Transactions:<\/strong> While RuPay credit card on UPI is expanding its acceptance, there are still some merchant categories or types of transactions that might be restricted or come with prohibitive fees. This can include:\n<ul>\n<li><strong>Rent Payments to Individual Landlords:<\/strong> Some platforms might allow credit card payments for rent, but directly through UPI to an individual&#8217;s account is usually not possible or is restricted.<\/li>\n<li><strong>Education Fees to Certain Institutions:<\/strong> While many educational institutions now accept credit cards, direct UPI credit card payments might not be universally supported for all institutions or specific fee types.<\/li>\n<li><strong>Wallet Top-ups or Quasi-Cash Transactions:<\/strong> Banks often restrict or charge high fees for using credit cards to top up digital wallets or for transactions that are deemed &#8216;quasi-cash&#8217; (e.g., buying foreign currency or certain financial instruments). These are typically treated differently than standard merchant purchases to prevent misuse and cash recycling.<\/li>\n<\/ul>\n<p>        The intent of RuPay credit card on UPI is for legitimate P2M purchases, not for generating cash or facilitating transactions that bypass banking regulations or attract high fees.<\/li>\n<\/ol>\n<div class=\"nma-warning\">\n    <strong>\u26a0\ufe0f Warning:<\/strong> Attempting to use your RuPay credit card on UPI for restricted transactions may result in transaction failure, additional fees, or even temporary suspension of services. Always understand the permitted uses.\n<\/div>\n<h2>1. HDFC Bank Platinum Debit Card<\/h2>\n<p>For those everyday financial needs where your RuPay credit card on UPI can&#8217;t help \u2013 specifically P2P transfers and cash withdrawals \u2013 a reliable debit card is your best friend. The HDFC Bank Platinum Debit Card stands out as a premium choice, offering a blend of convenience, security, and benefits that make it an indispensable tool for managing your daily finances and ensuring you always have access to your funds.<\/p>\n<h3>Key Features<\/h3>\n<ul>\n<li><strong>High Transaction Limits:<\/strong> Enjoy daily shopping limits of up to INR 2.5 Lakh and ATM cash withdrawal limits of up to INR 1 Lakh, providing ample flexibility.<\/li>\n<li><strong>Fuel Surcharge Waiver:<\/strong> Get a 2.5% fuel surcharge waiver at petrol pumps across India, making your vehicle expenses a little lighter.<\/li>\n<li><strong>Zero Liability Protection:<\/strong> Offers protection against fraudulent transactions if reported promptly, giving you peace of mind.<\/li>\n<li><strong>Online &amp; Contactless Payments:<\/strong> Seamlessly perform online transactions and make quick, secure contactless payments at POS terminals.<\/li>\n<li><strong>Exclusive Offers:<\/strong> Access to a range of exclusive offers and discounts on dining, shopping, and entertainment.<\/li>\n<\/ul>\n<h3>Pros<\/h3>\n<ul>\n<li>Directly addresses P2P payment needs via UPI from your bank account.<\/li>\n<li>Allows easy cash withdrawals from ATMs nationwide.<\/li>\n<li>High transaction limits cater to significant purchases and cash requirements.<\/li>\n<li>Enhanced security features protect your funds.<\/li>\n<li>Widely accepted at all merchant establishments and online platforms.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Annual fee of INR 750 + GST may be a concern for some users.<\/li>\n<li>No credit facility; payments are directly debited from your bank account.<\/li>\n<li>Reward points or cashback programs are typically less generous compared to credit cards.<\/li>\n<li>Requires maintaining a minimum balance in your savings account to avoid penalties.<\/li>\n<\/ul>\n<h3>Fees\/Rate in INR or %<\/h3>\n<p><strong>Annual Fee:<\/strong> INR 750 + GST. <strong>ATM Cash Withdrawal:<\/strong> Free at HDFC Bank ATMs, charges apply for non-HDFC Bank ATMs beyond a certain limit. <strong>Foreign Currency Mark-up:<\/strong> 3.5% on international transactions. <strong>Daily Purchase Limit:<\/strong> Up to INR 2.5 Lakh. <strong>Daily ATM Withdrawal Limit:<\/strong> Up to INR 1 Lakh.<\/p>\n<p><a href=\"HDFC Bank Platinum Debit Card]\" class=\"nma-affiliate-btn\">\ud83d\udc49 Check HDFC Bank Platinum Debit Card<\/a><\/p>\n<hr \/>\n<h2>2. Bajaj Finserv Personal Loan<\/h2>\n<p>When your RuPay credit card on UPI can&#8217;t provide the cash you need for emergencies or larger expenses, a personal loan can be a lifesaver. Bajaj Finserv is a prominent player in the Indian lending market, offering quick and flexible personal loans to meet a variety of financial needs. Whether it&#8217;s a medical emergency, a wedding expense, home renovation, or consolidating debt, a personal loan provides immediate liquidity without collateral, making it a powerful alternative to credit card cash advances.<\/p>\n<h3>Key Features<\/h3>\n<ul>\n<li><strong>Quick Disbursal:<\/strong> Funds can be disbursed to your account within 24 hours of approval, ideal for urgent needs.<\/li>\n<li><strong>Flexible Loan Amounts:<\/strong> Offers loans from INR 20,000 up to INR 40 Lakh, catering to both small and large requirements.<\/li>\n<li><strong>Minimal Documentation:<\/strong> Simplified application process with minimal paperwork, often requiring only KYC and income proofs.<\/li>\n<li><strong>Flexible Tenure:<\/strong> Repayment tenure options ranging from 12 months to 60 months, allowing you to choose a comfortable EMI.<\/li>\n<li><strong>No Collateral Required:<\/strong> Unsecured loan, meaning you don&#8217;t need to pledge any assets.<\/li>\n<\/ul>\n<h3>Pros<\/h3>\n<ul>\n<li>Provides immediate cash access, directly addressing the cash withdrawal limitation of RuPay credit card on UPI.<\/li>\n<li>Lower interest rates compared to credit card cash advances (which can be 2.5-3.5% per month).<\/li>\n<li>Predictable EMIs help in better financial planning and budgeting.<\/li>\n<li>Can be used for a wide range of personal expenses without restrictions on usage.<\/li>\n<li>Improves credit score with timely repayments, unlike defaulting on credit card payments.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Interest rates can vary based on credit score, income, and other factors, potentially being higher for some applicants.<\/li>\n<li>Loan approval depends on eligibility criteria, including CIBIL score and income stability.<\/li>\n<li>Processing fees and other charges apply, which can increase the overall cost of the loan.<\/li>\n<li>Adds to your debt burden, requiring disciplined repayment to avoid financial stress.<\/li>\n<\/ul>\n<h3>Fees\/Rate in INR or %<\/h3>\n<p><strong>Interest Rates:<\/strong> Starting from 11% per annum (p.a.). <strong>Processing Fee:<\/strong> Up to 3.93% of the loan amount (inclusive of applicable taxes). <strong>Foreclosure Charges:<\/strong> 2% to 4% of the outstanding principal amount. <strong>Late Payment Charges:<\/strong> Specific charges apply for delayed EMI payments. <strong>Bounce Charges:<\/strong> INR 500 per bounce.<\/p>\n<p><a href=\"Bajaj Finserv Personal Loan]\" class=\"nma-affiliate-btn\">\ud83d\udc49 Check Bajaj Finserv Personal Loan<\/a><\/p>\n<hr \/>\n<h2>3. HDFC Bank Millennia Credit Card<\/h2>\n<p>While RuPay credit cards linked to UPI are excellent for everyday merchant payments, a premium Visa or Mastercard credit card like the HDFC Bank Millennia Credit Card offers broader acceptance, especially for specific online transactions, international usage, and categories where RuPay UPI credit might be restricted or less rewarding. It&#8217;s an ideal companion for online shoppers and those looking for significant cashback on digital spending, making it a strong alternative to fill the gaps left by RuPay UPI&#8217;s limitations.<\/p>\n<h3>Key Features<\/h3>\n<ul>\n<li><strong>5% Cashback:<\/strong> Earn 5% Cashback on popular merchants like Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Tata CLiQ, Uber, and more.<\/li>\n<li><strong>1% Cashback:<\/strong> Get 1% Cashback on all other spends (excluding fuel, EMI, and wallet load).<\/li>\n<li><strong>Milestone Benefits:<\/strong> Enjoy a gift voucher worth INR 1,000 on spends of INR 1 Lakh and another INR 1,000 on spends of INR 2 Lakh in an anniversary year.<\/li>\n<li><strong>Complimentary Airport Lounge Access:<\/strong> 4 complimentary domestic airport lounge access per calendar year (1 per quarter).<\/li>\n<li><strong>Fuel Surcharge Waiver:<\/strong> 1% fuel surcharge waiver (maximum INR 250 per statement cycle).<\/li>\n<\/ul>\n<h3>Pros<\/h3>\n<ul>\n<li>Excellent for online shopping and bill payments, offering higher rewards than most RuPay cards.<\/li>\n<li>Broader acceptance globally and across a wider range of online platforms, including those where RuPay UPI might not be preferred.<\/li>\n<li>Provides complimentary lounge access, a valuable perk for frequent travelers.<\/li>\n<li>Good for building a strong credit history with responsible usage.<\/li>\n<li>Can be used for specific merchant categories (like rent payment platforms) that accept traditional credit cards, potentially bypassing UPI restrictions.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Annual fee of INR 1,000 + GST (though often waived on spending milestones).<\/li>\n<li>Cashback is capped at INR 1,000 per statement cycle for 5% cashback and INR 1,000 for 1% cashback.<\/li>\n<li>Not directly linkable to UPI for P2M payments in the same way RuPay cards are (though some banks offer UPI payments via virtual cards).<\/li>\n<li>Foreign currency markup charges apply for international transactions.<\/li>\n<\/ul>\n<h3>Fees\/Rate in INR or %<\/h3>\n<p><strong>Annual Fee:<\/strong> INR 1,000 + GST (waived on spending INR 1 Lakh in the previous year). <strong>Interest Rate:<\/strong> 3.49% per month (41.88% p.a.) on outstanding balances. <strong>Cash Advance Fee:<\/strong> 2.5% of the amount withdrawn or INR 500, whichever is higher. <strong>Foreign Currency Mark-up:<\/strong> 3.5% on international transactions. <strong>Late Payment Fees:<\/strong> Range from INR 100 to INR 1,300 depending on the outstanding amount.<\/p>\n<p><a href=\"HDFC Bank Millennia Credit Card]\" class=\"nma-affiliate-btn\">\ud83d\udc49 Check HDFC Bank Millennia Credit Card<\/a><\/p>\n<hr \/>\n<h2>4. Paytm Wallet &amp; UPI<\/h2>\n<p>For those quick, everyday payments and crucial Person-to-Person (P2P) transfers where your RuPay credit card on UPI is not applicable, digital wallets like Paytm, integrated with UPI, are invaluable. Paytm has become synonymous with digital payments in India, offering a seamless experience for sending money, paying bills, and making merchant payments. Its robust UPI integration allows for instant bank-to-bank transfers, making it a perfect solution for the P2P limitation of RuPay credit card on UPI.<\/p>\n<h3>Key Features<\/h3>\n<ul>\n<li><strong>Instant P2P Transfers:<\/strong> Send money instantly to any bank account or another Paytm user via UPI, directly addressing the P2P limitation.<\/li>\n<li><strong>Extensive Merchant Network:<\/strong> Pay across millions of offline and online merchants using QR codes, UPI IDs, or phone numbers.<\/li>\n<li><strong>Bill Payments &amp; Recharges:<\/strong> Conveniently pay utility bills, recharge mobile, DTH, and FasTag, and book tickets for various services.<\/li>\n<li><strong>Wallet &amp; Bank Account Linkage:<\/strong> Link multiple bank accounts for UPI payments and maintain a wallet balance for small, quick transactions.<\/li>\n<li><strong>Savings &amp; Investment Options:<\/strong> Offers additional features like Paytm Payments Bank savings account, Fixed Deposits, and investment in mutual funds.<\/li>\n<\/ul>\n<h3>Pros<\/h3>\n<ul>\n<li>Excellent for P2P transactions, facilitating easy money transfers to friends and family.<\/li>\n<li>Extremely wide acceptance, especially for small-value transactions at local shops.<\/li>\n<li>User-friendly interface and instant payment processing.<\/li>\n<li>Offers a wide array of services beyond just payments, adding to convenience.<\/li>\n<li>Most UPI transactions from bank accounts are free of charge.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Wallet top-ups using credit cards might incur charges or be restricted by some banks.<\/li>\n<li>KYC (Know Your Customer) completion is required for full wallet functionality, which can be a minor hurdle.<\/li>\n<li>Some users might have concerns about data privacy with digital wallets.<\/li>\n<li>Offers no credit facility directly, relying on linked bank accounts or wallet balance.<\/li>\n<\/ul>\n<h3>Fees\/Rate in INR or %<\/h3>\n<p><strong>UPI Payments (from bank account):<\/strong> Free. <strong>Wallet Top-up via Credit Card:<\/strong> May incur a fee of up to 2.5% by the card issuer or Paytm, depending on the amount and card type. <strong>Wallet to Bank Transfer:<\/strong> A fee of 2.5% to 4% may apply for transferring wallet balance to a bank account if full KYC is not completed. <strong>Merchant Transaction Fees:<\/strong> Generally free for customers; merchants may pay a small MDR. <strong>KYC:<\/strong> Basic KYC is free; full KYC might involve a small charge or be free depending on promotions.<\/p>\n<p><a href=\"Paytm Wallet &amp; UPI]\" class=\"nma-affiliate-btn\">\ud83d\udc49 Check Paytm Wallet &amp; UPI<\/a><\/p>\n<hr \/>\n<h2>5. Simpl (BNPL Service)<\/h2>\n<p>For specific online merchant payments where you need credit but your RuPay credit card on UPI is restricted or you prefer a different payment method, Buy Now Pay Later (BNPL) services like Simpl offer a convenient and interest-free alternative. Simpl provides a credit line for online purchases, allowing you to pay for items later, typically in one consolidated bill. This is particularly useful for food delivery, utility bill payments, and e-commerce shopping, bridging the gap for certain restricted categories or when you need short-term credit without a credit card.<\/p>\n<h3>Key Features<\/h3>\n<ul>\n<li><strong>Instant Credit Line:<\/strong> Get an instant credit limit (e.g., up to INR 15,000-20,000 initially) based on your creditworthiness, without extensive documentation.<\/li>\n<li><strong>Consolidated Billing:<\/strong> All your purchases made using Simpl are consolidated into one bill, typically generated every 15 days, simplifying tracking.<\/li>\n<li><strong>Interest-Free Payments:<\/strong> Pay your consolidated bill on time (within 5 days of bill generation) and incur no interest charges.<\/li>\n<li><strong>Wide Merchant Acceptance:<\/strong> Accepted at thousands of online merchants, including food delivery apps (Swiggy, Zomato), e-commerce platforms, and utility billers.<\/li>\n<li><strong>One-Tap Checkout:<\/strong> Enjoy a seamless, one-tap checkout experience at partner merchants, making transactions quick and effortless.<\/li>\n<\/ul>\n<h3>Pros<\/h3>\n<ul>\n<li>Provides short-term credit without the need for a traditional credit card, useful for specific online payments.<\/li>\n<li>Interest-free if bills are paid on time, making it a cost-effective credit option.<\/li>\n<li>Simple and quick onboarding process, often just requiring a mobile number.<\/li>\n<li>Helps manage cash flow by allowing you to defer payments for up to 15 days.<\/li>\n<li>Useful for online purchases where RuPay credit card on UPI might not be the primary choice or for smaller, frequent transactions.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li>Late payment fees can be significant if you miss the due date.<\/li>\n<li>Limited to partner merchants; not universally accepted like a credit card or UPI.<\/li>\n<li>Credit limit might be\n<div style=\"background:#f8f9fa;border:1px solid #e5e7eb;border-radius:10px;padding:16px 20px;margin-top:32px;font-size:13px;color:#6b7280\">\n  <strong>\ud83e\udd16 Disclaimer:<\/strong> This article was generated with the help of Artificial Intelligence (AI) and reviewed for accuracy.<br \/>\n  Content is intended for informational and educational purposes only, not financial advice. Rates, prices and product details may change \u2014 please verify on official sources before making any financial decisions.<\/p>\n<p>  <strong>\u00a9 2026 <a href=\"https:\/\/nexifymoney.in\" style=\"color:#185FA5\">NexifyLabs Money<\/a><\/strong> \u2014 All rights reserved.\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The convenience of linking your RuPay credit card to UPI has revolutionized digital payments in India, making everyday transactions smoother and more rewarding. However, it is essential to understand that&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-123","post","type-post","status-publish","format-standard","hentry","category-comparison-reviews"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RuPay Credit Card on UPI: 3 Payments You Can&#039;t Make &amp; What to Use Instead - NexifyLabs Money<\/title>\n<meta name=\"description\" content=\"Uncover the 3 crucial payments where your RuPay credit card linked to UPI won&#039;t work. 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