How to Add or Remove Credit Card in PhonePe?

PhonePe is a popular digital payments platform in India that allows users to make seamless transactions for a variety of purposes, such as bill payments, recharges, and online shopping. Linking your credit card to PhonePe offers added convenience and the potential for rewards or cashback. In this article, we’ll guide you through the simple process of adding and removing credit cards from your PhonePe account.

How to Add a Credit Card in PhonePe?

Adding a credit card to PhonePe is a straightforward process. Here are the steps involved:

1. Open the PhonePe App: Launch the PhonePe app on your smartphone.
2. Access Your Profile: Tap on your profile picture located at the top-left corner of the home screen.
3. Go to Payment Methods: Select “View All Payment Methods” under the “Payment Methods” section.
4. Choose Credit Cards: Tap on “Debit & Credit Cards.“
5. Initiate Adding a Card: Click on the “Add New Card” button.
6. Enter Card Details: Carefully enter the following details of your credit card:
   • Card number
   • Expiry date
   • CVV (the three-digit security code on the back of your card)
   • Cardholder’s name (as it appears on the card)
7. Verification: PhonePe will send a One-Time Password (OTP) to the mobile number registered with your credit card. Enter the OTP to verify and complete the process.
8. Small Charge: A small charge (typically around ₹2) may be temporarily applied to your credit card for verification purposes. This amount will be refunded automatically.

Note: PhonePe supports Visa, Mastercard, Maestro, and Rupay domestic credit cards.

How to Remove a Credit Card in PhonePe?

If you no longer wish to use a particular credit card with PhonePe, you can easily remove it. Follow these steps:

1. Open the PhonePe App: Launch the PhonePe app on your device.
2. Access Your Profile: Tap your profile picture in the top-left corner of the screen.
3. Go to Payment Methods: Select “View All Payment Methods” under the “Payment Methods” section.
4. Choose Credit Cards: Tap on “Debit & Credit Cards.“
5. Select the Card: Tap on the credit card you want to remove.
6. Remove Card: Tap the three dots in the top right corner and select “Remove” or “Delete.”
7. Confirmation: Confirm your choice to remove the card.

Why Add a Credit Card to PhonePe?

There are several advantages to linking your credit card with PhonePe:

• Convenience: Pay bills, make recharges, and shop online quickly and easily without repeatedly entering your credit card details.
• Security: PhonePe uses robust security measures to protect your financial information.
• Rewards: Earn cashback, reward points, or discounts on transactions made through PhonePe using your credit card.
• Manage Spending: Keep track of your credit card spending through the PhonePe app’s transaction history.

Security Considerations

PhonePe takes the security of your financial information very seriously. They use robust encryption and security protocols to safeguard your card details. However, it’s always good practice to take the following precautions:

• Strong Password: Maintain a strong, unique password for your PhonePe account.
• Beware of Phishing: Never share your card details or PhonePe login information with anyone, especially if requested unexpectedly through unsolicited calls, emails, or text messages.
• Monitor Transactions: Regularly check your PhonePe transaction history and credit card statement to identify any unauthorized activity.

Adding and removing credit cards on PhonePe is simple and user-friendly. By linking your credit card, you can enjoy convenient payments, potential rewards, and better management of your finances within the PhonePe ecosystem.