In today’s digital world, UPI credit cards have redefined how we make payments, combining the convenience of Unified Payments Interface (UPI) with the flexibility of credit. Whether you use a Rupay credit card linked to your favorite UPI app or a traditional bank-issued card, knowing how to track your UPI credit card transactions is essential to stay in control of your spending, avoid missed payments, and maintain a healthy credit score.
This guide will help you understand everything you need to know about tracking UPI credit card transactions, from using UPI apps and bank statements to third-party tools and spending insights.
What Is a UPI Credit Card?
Before learning how to track transactions, it’s important to understand what a UPI credit card actually is.
A UPI credit card is a credit card linked directly to your UPI ID (such as through Google Pay, PhonePe, Paytm, or BHIM). Instead of swiping your card or entering card details online, you can use your Rupay credit card on UPI to make payments at any merchant that accepts UPI.
This feature is currently available primarily for Rupay credit cards, as they are the only network supported on UPI by the National Payments Corporation of India (NPCI).
Why Tracking UPI Credit Card Transactions Matters?
Monitoring your transactions is not just about knowing where your money goes—it’s about financial control and accountability. Here’s why tracking your UPI credit card transactions is crucial:
- Avoid Overspending: Real-time insights prevent you from exceeding your credit limit.
- Identify Fraud: Spot unauthorized or duplicate transactions immediately.
- Timely Payments: Helps you know your billing amount and due dates.
- Budget Management: Understand spending habits and adjust accordingly.
- Credit Health: Maintaining a low utilization ratio and timely payments boosts your credit score.
How to Track UPI Credit Card Transactions?
Let’s look at the different ways you can track your UPI credit card transactions efficiently.
1. Through Your UPI App
Most popular UPI apps such as PhonePe, Google Pay, Paytm, BHIM, and CRED now allow you to link your Rupay credit card for seamless payments. Once linked, you can also view and track your spending history.
Steps to Track UPI Credit Card Transactions in a UPI App:
- Open your UPI app (for example, PhonePe or Google Pay).
- Go to “Payment Methods” or “UPI-linked accounts.”
- Select your linked Rupay credit card.
- Tap on “View Transactions” or “Transaction History.”
- You’ll see a list of payments made through your UPI-linked credit card, including date, merchant name, and amount.
Tip: Most UPI apps offer instant notifications for every transaction, helping you monitor your usage in real time.
Examples:
- PhonePe: Go to My Money → Credit Cards on UPI → Transaction History.
- Google Pay: Open Profile → Payment Methods → Credit Card → View History.
- Paytm: Check Passbook → Credit Card → Transaction History.
2. Using Your Bank’s Credit Card App or Net Banking Portal
Every bank that issues a Rupay credit card provides a dedicated mobile app or online portal to track all card-related transactions—whether made via UPI, swipe, or online.
Steps to Track via Bank App:
- Log in to your bank’s mobile app or internet banking portal.
- Go to Credit Card → Recent Transactions or Statement.
- Filter by payment type (UPI) or view all transactions for the month.
- You can download your e-statement for a detailed breakdown.
Example:
If you have an HDFC Bank Rupay credit card, open the HDFC app → select your credit card → view “Recent Transactions.”
For SBI Card, open the SBI Card app → click on “Transactions” to view payments done via UPI.
Pro Tip: Many banks now categorize UPI-based transactions separately, making it easy to identify where your UPI credit card was used.
3. Through SMS and Email Alerts
Whenever you make a UPI payment using your Rupay credit card, your bank automatically sends instant SMS and email notifications.
These alerts include:
- Merchant name
- Amount spent
- Remaining credit limit
- Date and time of the transaction
You can maintain these alerts as a backup record of all UPI transactions, even if your app history is cleared or unavailable.
You can also set custom alerts for high-value transactions or international usage in your bank app for better monitoring.
4. Via Monthly Credit Card Statement
Your monthly credit card statement provides a comprehensive record of all transactions made using your UPI credit card.
This includes:
- Transaction ID
- Merchant Name
- Date and Time
- Payment Channel (UPI, POS, Online)
- Amount and Category
By analyzing your statement every month, you can track spending trends, identify recurring payments, and check for any unauthorized activities.
How to Access Your Statement:
- Download it from your bank’s mobile or web portal.
- Receive it via email (PDF format).
- Request a printed statement if required.
Insight: Some banks also highlight “UPI Transactions” separately in your statement for easy tracking.
5. Using Expense Management or Budgeting Apps
If you prefer a more automated system, you can use expense tracker apps like:
- CRED
- Walnut
- Money Manager
- FinArt
These apps sync with your SMS and email alerts to automatically categorize your UPI credit card transactions, offering insights like:
- Monthly spending graphs
- Merchant-wise analysis
- Payment reminders
This is particularly useful if you use multiple UPI apps or credit cards.
6. NPCI and Bank Integration Reports
The National Payments Corporation of India (NPCI) maintains UPI transaction records linked to your UPI ID. While you can’t directly access the NPCI database, your bank periodically syncs UPI data from NPCI, ensuring your transaction history is accurate in your bank app and statement.
If there’s ever a discrepancy (for example, a payment not reflecting), you can raise a dispute via:
- Your bank’s customer care portal, or
- The UPI app’s help and support section.
NPCI and your bank will jointly verify and update your transaction record.
Best Practices for Tracking UPI Credit Card Transactions
Here are some tips to make your tracking more effective and secure:
- Check your transaction history weekly to catch errors early.
- Enable real-time notifications in both your UPI app and bank app.
- Reconcile your UPI app records with your bank statement monthly.
- Report suspicious transactions immediately to avoid liability.
- Keep track of your credit limit to prevent declined transactions.
- Use budgeting tools to monitor spending habits and control expenses.
- Pay your bill on time—tracking helps you estimate upcoming dues.
Future of UPI Credit Card Tracking
The UPI credit card ecosystem is evolving fast. Soon, users will see AI-powered expense insights, real-time credit utilization alerts, and instant repayment options integrated directly within UPI apps.
Banks and NPCI are also working toward cross-network integration, so even Visa and Mastercard credit cards may soon become compatible with UPI for tracking and payments.
Conclusion
Tracking your UPI credit card transactions is a smart financial habit that empowers you to manage your money efficiently, prevent fraud, and maintain a solid credit score. Whether you use a Rupay credit card or any future UPI-compatible option, keeping an eye on your transactions through UPI apps, bank portals, and statements ensures total transparency.
So the next time you pay using your UPI-linked Rupay credit card, remember—you’re just one tap away from tracking every rupee spent.