What if every time you paid rent, bought groceries, or recharged your phone, you earned reward points or cashback? Thanks to the latest feature of linking credit cards with UPI apps like PhonePe, Google Pay, and Paytm, users can now convert daily spends into reward-earning opportunities.

Major banks now allow RuPay credit cards to be used for UPI peer-to-merchant (P2M) transactions. You can earn 1%–2% cashback, milestone bonuses, and longer billing cycles - all while scanning a QR code.

All you need is a UPI app, an eligible credit card, and a quick setup process involving OTP and PIN generation. Then, every UPI transaction you make to merchants can stack up rewards - from groceries to electricity bills.

But beware - late payments, caps on cashback, and hidden terms can ruin the benefits. Smart users automate recurring payments and rotate cards to maximize returns.

This simple hack is changing the way India pays - and earns!