First 24 hours of linking the credit card in UPI App - Amount limit per day per card is Rs.5,000
After 24 hours of linking the card in UPI App
- Amount limit per card per day can be upto UPI limit i.e. 1 lakh per day
- Please note - UPI limit is 2 lakh per day for some special MCC codes i.e 5960, 6300 & 6529
Restricted categories: UPI transactions wont be allowed on
- International merchants/websites.
- P2P (Peer to Peer i.e. MCC code – 0000)
- P2PM (Peer to Peer Merchant i.e. MCC Code – 7407)
- Digital account opening (MCC Code: 7409)
- Lending platform (MCC code: 7408)
- Cash withdrawal at merchant (Payee MCC Code: 6010)
- Cash withdrawal at ATM
- ERUPI (UPI voucher for government subsidy etc)
- IPO (Purpose code: 01, MCC code: 6211)
- Foreign Inward Remittances
- Mutual Funds o MCC Restricted for CC on UPI are as under
  - 0000 - P2P (Peer to Peer)
  - 4829 – wire transfers/money orders
  - 6010 - Financial institutions - manual cash disbursements
  - 6011 - Financial institutions - automated cash disbursements
  - 6012 - Financial institutions - merchandise and services
  - 6013 – Cash withdrawal thru ICCW (interoperable cardless cash withdrawal)
  - 6051 - Non-financial institutions - foreign currency, money orders (not wire transfer), scrip and travellers' checks
  - 6211 - Securities - brokers and dealers/IPO
  - 7322 - Debt collection agencies
  - 7407 – P2PM (peer to peer merchant)
  - 7408 – Lending Platform
  - 7409 – Digital account opening
  - 7800 – Govt Owned Lottery
  - 7801 – Govt Licensed Casinos
  - 7802 – Govt Licensed Dog/Horse racing
  - 7995 - Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
  - 9406 – Govt owned Lottery
- Any other categories as restricted by BFSL from time to time.
However, it will be subject to the available credit limit on your BOBCARD.