Frequently Ask Questions

How do I link my Rio Card to UPI?

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

How do I pay at a store with the Rio UPI app?

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.

How do I pay online with UPI?

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

Can I link my Rio Card to other UPI apps?

Yes—but if you use a different UPI app, you won’t earn Rio Coins.

Can I pay any person or other credit card using the credit card linked to UPI?

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

How many transactions are allowed from linked Credit cards on UPI?

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

Is there any limit on the amount of transactions that can be carried out via the Rio Credit card?

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.

Will I be charged for linking or carrying out any transaction on UPI via my Rio 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.

What are Rio Coins and how do I earn them?

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.

How can I check how many Rio Coins I have earned?

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.

How can I redeem my Rio Coins?

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

I have not earned any Rio Coins on my transaction. Why did this happen?

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.

How do I get my full card number?

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

How do I get the bill for my Rio Card?

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.

How can I see my available and outstanding balance on my Rio Card?

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.