Pay Credit Card Bills via
UPI ID
UPI Bill Pay ID Generator
Disclaimer: This tool is for informational purposes only. Always verify the UPI ID format with your specific bank's official documentation before initiating payment. We are not affiliated with NPCI or any bank.
UPI Ecosystem Growth
Powering Digital India • Updated August 2025
Monthly Transactions
20B+
Source: NPCI
Transaction Volume
₹30 Lakh Cr
Source: Economic Times
Live Banks
684+
Source: NPCI
Autopay Growth
2x
Source: Industry Reports
Supported Banks
Find the bill pay handle for your credit card issuer
| Bank Name | UPI Handle |
|---|---|
| HDFC Bank | @hdfcbankcc |
| SBI Card | @sbi |
| IDFC FIRST Bank | @idfcbank |
| Yes Bank | @yesbank |
| American Express | @sc |
| Axis Bank | @axisbank |
| ICICI Bank | @icici |
| AU Small Finance Bank | @aubank |
How It Works
Simple steps to clear your dues instantly
Generate UPI ID
Enter your 16-digit credit card number and select your bank above to get your unique bill payment UPI ID.
Open Any UPI App
Go to Google Pay, PhonePe, Paytm, or any BHIM UPI app and select 'Pay to UPI ID'.
Enter & Verify
Paste the generated ID (e.g., 1234... @apl). The name usually appears as 'Bank Card Bill' or similar.
Pay Bill
Enter the bill amount and complete the payment. It's settled instantly by NPCI BBPS.
Frequently Asked Questions
Is it safe to share my credit card number?
This tool runs entirely in your browser. We do not store, save, or transmit your card number anywhere. The UPI ID generation happens locally.
What is the transaction limit?
As of 2025, the limit for credit card bill payments via UPI is generally ₹5 Lakh per transaction, but this depends on your bank and UPI app limits.
Which banks are supported?
Most major Indian banks including HDFC, SBI, Axis, ICICI, Kotak, and Yes Bank support direct UPI ID payments. See the table above for a full list.
How long does settlement take?
Payments made via valid UPI bill pay handles are typically settled instantly or within T+1 working days depending on the BBPS network.