Frequently Asked Questions

Once you activate your PAY QUBE Card in the PAY QUBE app, it's automatically set up for UPI—no extra steps required.

In the PAY QUBE UPI app, tap Scan & Pay, scan the merchant's QR code, enter the amount, select your PAY QUBE Card, and confirm with your UPI PIN.

At checkout, choose UPI, enter your PAY QUBE VPA, then open the PAY QUBE app and approve the payment.

Yes—but if you use a different UPI app, you won't earn PAY QUBE Coins.

Payment to the merchant (P2M) will only be allowed from the linked credit card.

There is no limit for the number of transactions carried out from a linked Credit Card on UPI.

The amount limit per card per day on UPI is ₹2 lakh; however, it will be limited to the available credit limit on your card.

You will not be charged for linking your PAY QUBE Card to any UPI app or for making a UPI transaction via your PAY QUBE Card.

PAY QUBE Coins are the rewards you earn by transacting with your PAY QUBE Card. 4 PAY QUBE Coins equal ₹1 and can be redeemed directly into your bank account. Every ₹100 you spend with your PAY QUBE Card on the PAY QUBE UPI app gets you 3 PAY QUBE Coins.

You will be able to check your earned PAY QUBE coins from the Benefits section on the homepage. You will also be able to see the total accumulated PAY QUBE coins on the top right corner of the home screen. PAY QUBE Coins will accrue at the end of each billing cycle, after the statement is generated.

You will have the option to redeem your PAY QUBE coins from the Benefits section on the homepage.

To earn PAY QUBE Coins, just pay for ₹50 or more at big merchants. If you spend less than ₹50, pay with Bharat QR or a mandate, or buy something in a category we don’t reward—like rent, utilities, insurance, education, government fees, fines or taxes, jewellery, cable/satellite TV, fuel, or any others listed in our Rewards Policy—you won’t get any coins.

To view your full card number, open Your Card on the home screen and pull down to view card—it will appear right away.

You will receive your bill on your registered email id on the billing date of every cycle. You can also open the PAY QUBE app, tap Your Card on the home screen, and see your next billing date and amount due right there.

You will be able to track the credit utilized and the remaining credit limit on your card directly from the PAY QUBE app. It will appear below the Card details section on the home screen.