Frequently Asked Questions

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

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

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

Yes—but if you use a different UPI app, you won't earn Rio 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 Rio Card to any UPI app or for making a UPI transaction via your Rio Card.

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

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

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

To earn Rio 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 Rio 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 Rio app. It will appear below the Card details section on the home screen.