Quick answer
RuPay credit card UPI fees are merchant-specific
Individual
No separate UPI fee
The merchant-pricing sources describe MDR and GST as deductions from the merchant settlement. Normal credit-card account terms still apply.
Merchant
Variable MDR + GST
The final rate depends on the merchant category code, turnover, acquiring bank, and payment provider.
This is different from bank-account-funded UPI. Credit-card UPI uses the UPI payment experience, but the money comes from a linked RuPay credit card and follows separate merchant-pricing rules.
Thresholds
What happens above Rs 2,000?
| Merchant situation | Payment value | Published treatment |
|---|---|---|
| Eligible merchant below provider turnover threshold | Rs 2,000 or less | Commonly zero MDR |
| Eligible merchant below provider turnover threshold | Above Rs 2,000 | Category-based MDR may apply |
| Merchant above provider turnover threshold | Any supported amount | MDR may apply to all payments |
Google Pay for Business currently uses Rs 20 lakh annual turnover for this distinction. Another acquirer or provider may use its own eligibility and settlement terms, so merchants should check their payment profile or settlement report. Google Pay for Business guidance (effective date not stated; checked 12 October 2026).
Merchant rates
Why there is no universal RuPay UPI MDR rate
The acquiring bank assigns a merchant category code, or MCC. That code determines the line of business used for pricing. Canara Bank's schedule effective 1 June 2026 illustrates the variation: 0.50% for public-sector insurance, 0.70% for several listed sectors, 0.75% for fuel, 1.10% for supermarkets and convenience stores, and 1.75% for unlisted categories. Those are Canara Bank's indicative rates, not a nationwide tariff.
0.50%-0.75%
Selected lower-rate sectors
1.10%
Selected retail categories
1.75%
Canara unlisted-category example
All rates above: Canara Bank schedule, effective 1 June 2026, for eligible merchant RuPay credit-card UPI payments above ₹2,000; assigned merchant category determines the rate. GST is additional. Read Canara Bank's rate schedule.
Worked examples
Merchant cost on a Rs 10,000 payment
| Example MDR | MDR | 18% GST on MDR | Merchant cost |
|---|---|---|---|
| 0.70% | Rs 70.00 | Rs 12.60 | Rs 82.60 |
| 1.10% | Rs 110.00 | Rs 19.80 | Rs 129.80 |
| 1.75% | Rs 175.00 | Rs 31.50 | Rs 206.50 |
These examples demonstrate the calculation only. Enter the MDR shown by the merchant's provider in the calculator for the closest estimate. Example percentages are drawn from the Canara Bank schedule effective 1 June 2026 for eligible category-specific payments above ₹2,000; they are not universal tariffs.
Availability
Where RuPay credit card on UPI cannot be used
- Person-to-person transfers and P2PM payments are not permitted.
- Cash withdrawal at a merchant and card-to-card payments are not permitted.
- The merchant must be eligible and enabled to accept credit-card UPI payments.
- Normal issuer limits and credit-card terms remain separate from merchant MDR.
UPI MDR is separate from credit-card account fees
The merchant MDR shown here is a payment-processing cost. Your card's annual fee, interest, late-payment fees, and any issuer-specific charges follow your card agreement. Those account charges are not included in this UPI estimate.
Fast answers
RuPay credit card UPI charges FAQ
Does an individual pay extra for using a RuPay credit card on UPI?
The public merchant-pricing sources checked describe MDR and GST as merchant-side deductions. Your card issuer can still apply normal credit-card terms such as interest, late fees, or other account charges.
Are RuPay credit card UPI payments free up to Rs 2,000?
For eligible merchants below the provider's turnover threshold, published provider guidance commonly shows zero MDR at Rs 2,000 or below. Larger merchants or different acquiring arrangements may be charged on all supported payments.
What is the MDR above Rs 2,000?
There is no single universal rate. The merchant's category code, annual turnover, acquiring bank, and payment provider determine the applicable MDR.
Does GST apply to RuPay credit card UPI MDR?
Yes, where MDR is charged, published merchant schedules state that 18% GST is added to the MDR amount, not to the full purchase value.
Can every merchant accept RuPay credit card payments through UPI?
No. The merchant must be eligible and enabled for credit-card UPI acceptance. Some payment types and merchant categories are excluded or treated differently.
Can RuPay credit card UPI be used for person-to-person transfers?
No. NPCI states that P2P, P2PM, cash withdrawal at merchants, and card-to-card payments are not permitted through this functionality.
Estimate a specific payment
Open the calculator, choose RuPay credit card on UPI, and enter the MDR percentage published by the merchant's provider.
Open the UPI fee calculator