How to Add Credit Card to PhonePe: A Quick Step-by-Step Guide

PhonePe mobile application is one of the highly used UPI applications in India. Various POS (Point of Sale) terminals accept payment through PhonePe & online merchants, where one can even get attractive cashback when making payment through the PhonePe wallet. However, it is impossible to add money directly via credit card to PhonePe. I would be surprised to know that queries like ‘how to add a credit card in PhonePe’ or ‘how to add a credit card in PhonePe app’ are highly searched on Google by many PhonePe users. Here in this article, we aim at providing you with answers to such questions to make it possible for you to overcome such hassles and use the convenience of both your PhonePe wallet and credit card. 

The question as ‘how to add credit card in PhonePe’ or ‘how to add a credit card in PhonePe app’ holds a simple answer, which is answered below. Remember that adding money from a credit card to PhonePe has a complex method. You require adding money through a credit card to the supporting digital wallet & then transferring the amount from the wallet to the PhonePe wallet. Here, we have explained the approach step-by-step: 

How to add Credit Card to PhonePe?

• Firstly, open the PhonePe app on your mobile
• Go to your profile on the top left.
• Go to the Payment Methods section, select the “All Payment methods” option.
• The next screen shows the “Add Card” option.
• Add your card details like Card holder name, card number, CVV, and others.

Finally, your card details is successfully added to your PhonePe account. 

How to Remove Credit Card from PhonePe?

Follow the listed steps to remove the debit card from PhonePe: 

• Firstly, open the PhonePe app on your mobile
• Go to your profile on the top left. 
• Under the ‘Payment methods’ menu, click on ‘Debit cards’. 
• After this, you will see a debit card list linked to your account. 
• Click on the delete icon on the debit card that you want to remove. 
• Next, you will see a pop-up notification, which you require confirming by selecting the ‘Ok’ option. 
• Finally, your debit card details will be successfully removed from your PhonePe account. 

Benefits of Adding a Credit Card in PhonePe

PhonePe is a digital wallet, which is India-based and can be linked to a credit card/debit card or one’s bank account for online transactions. This UPI-linked platform makes sure that all of your transactions are safe against cybercriminals, making the users’ details highly secure. PhonePe app can be utilized by business/company establishments or consumers as a method to end and settle their utility bills to make sure on-time payments. It can even be used as a medium to pay their employees, making it an effective salary solution for businesses with a global or distributed workforce. 

Major advantages of PhonePe are its general usability, functionalities, and security. Being a centralized digital wallet with an all-in-one solution, PhonePe is an extremely convenient medium for various business-linked transactions.

• All-in-one solution: As the app can be used anywhere in India, which supports a variety of transactions, PhonePe is a convenient instrument for users who make online payments. Utility bill payment, wage payment, and payment request can all be performed through the application.
• Direct fund transfer: A faster and more secure mode of transaction is even available through the app. Direct fund transfer from a user's PhonePe wallet eliminates the requirement for card or account linking. It makes the procedure more secure and hassle-free, making it the best solution for daily payments as well as fund transfers.
• Various distinct payment options: Phonepe provides users with numerous options to select from for their transactions. Bank accounts, UPI, debit cards, and credit cards can be directly linked to the application, making the app a flexible payment mode that ensures each source does not have any issue & is good to go.
• Multi-language interface: The application supports both Hindi & English and also Tamil, Bengali, and Marathi. It makes the application more friendly and usable to operate for those natives who speak any of the included languages.
• Intuitive POS: Merchants find the application beneficial for their business, and also, as the store transaction is available via PhonePe’s POS device. The buyer of the goods does not require queuing in a line anymore to make the payment of the purchased items, and the sellers are even able to assist more customers at the same time. Security concerns are even taken care of for consumers and businesses alike. One POS device is linked just to a single merchant, and the transaction completes just when the buyer/consumer enters the correct PIN on the application.

How to Pay using a Credit Card in PhonePe?

How to add a credit card to PhonePe to add in money is a major question asked by many. Here is a step-by-step approach on how to add a credit card in phonepe app to add in money. 

• No. 1 step: Open the application
• No. 2 step: Click on the option ‘My Money’
• No. 3 step: Choose the option ‘PhonePe Wallet’
• No. 4 step: Type the amount you require to add
• No. 5 step: Select your payment mode (debit card/UPI/credit card)
• No. 6 step: Click on the option ‘Topup Wallet’ & authenticate a transaction

How to make Credit Card bill payment on PhonePe?

To begin with, if you do not have the application on your phone, ensure you download it by visiting Google Play. 

• No. 1 step: Click on the icon ‘Credit Card’ within the section ‘Recharge & Pay bills’ of the PhonePe app. 
• No. 2 step: Select the credit card provider whom you want to pay your bill for or just select from the currently saved cards. 
• No. 3 step: Enter the ‘credit card number’
• No. 4 step: Enter the amount you require to pay
• No. 5 step: Click on the PAY BILL option to complete your transaction