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      How to Use Credit or Debit Card on Google Pay | Step-by-Step Guide

      Google Pay comes with a feature that can let you use your credit and debit cards for many digital transactions even while you’re not in physical possession of it. Using this method you can get the convenience of UPI transaction but use your credit and debit cards for the payment.

      How to Add Credit Cards to Google Pay?

      To use your credit card with Google Pay you have to add it to the app.

      Currently, the feature is available only on the Android version of the G Pay application. 

      The process to add a card is similar to any online registration process where you input your card details such as the number, expiration date, and CVV. 

      Follow These Steps :

      • Start by opening the Google Pay app on your mobile device.
      • Tap on your profile picture in the top right corner of the app.
      • Then select “Pay with credit or debit cards.
      • Tap on “Add credit or debit cards” to initiate the process.
      • You will then see an option to “Add Card.
      • You have two ways to enter your card information
      • Scan Your Card: Use your phone’s camera to scan the card as this will automatically fill in the card details.


      • Enter Details Manually: If you prefer, you can tap on “Enter details manually” and type in your card number, expiration date, and CVV.
      • After entering your details, tap “More” and accept the terms and conditions to proceed.
      • Verify Your Card
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      Google Pay will contact your bank to verify the card.

      You’ll need to verify your identity, typically through a method chosen by your bank, like receiving a one-time password (OTP) via SMS.

      Enter the OTP you receive.

      This can be autofill by your phone or enter manually.

      Now Tap “Submit” after entering the OTP.

      If everything is correct and your bank verifies the details, your card will be add successfully.

      When your card is verified and added, you can start using it for transactions.

      You can view and manage all your added cards under the “Payment methods” section in Google Pay.


      Google Pay uses a technology call as “tokenization.”

      This process replaces your real card number with a virtual number, known as a “token.”

      This token is use during transactions, ensuring that your actual card number remains private and secure against potential fraud.

      Tap and Pay

      At stores with contactless payment terminals, you can simply bring your phone close to the terminal to pay.

      Ensure your phone’s NFC is enable for this feature.

      Scan and Pay

      For vendors that display QR codes, use Google Pay to scan and complete the payment.

      Online Shopping

      Select Google Pay at checkout when shopping on websites and apps like Myntra, Dunzo, and others to use your add credit card for payments.

      Bill Payments and Recharges

      Google Pay also allows you to use your credit card for paying bills, recharging mobile plans, and more directly via the app.

      Supported Credit/Debit Cards by Banks

      Bank NameSupported Credit/Debit Cards by Banks
      Axis BankMastercard: Credit and Debit cards
      VISA: Credit and Debit cards
      BOB Financial Solutions Limited (BFSL)Mastercard: Credit and Debit cards
      VISA: Credit cards (including OneCard BIN)
      Federal BankMastercard: Credit and Debit cards
      VISA: Debit cards and Credit cards (OneCard BIN only)
      HDFC BankMastercard: Credit and Debit cards
      VISA: Credit and Debit cards
      Hongkong and Shanghai Banking Corporation (HSBC)Mastercard: Credit and Debit cards
      VISA: Credit cards
      ICICI BankMastercard: Credit and Debit cards
      VISA: Credit and Debit cards
      IndusInd BankMastercard: Credit and Debit cards
      VISA: Credit and Debit cards
      Kotak Mahindra BankVISA: Credit, Debit, and Prepaid cards
      RBL BankMastercard: Credit and Debit cards
      VISA: Credit cards
      SBI Cards and Payment ServicesVISA: Credit cards (OneCard BIN only)
      South Indian BankVISA: Credit cards (OneCard BIN only)
      State Bank of IndiaMastercard: Credit cards
      VISA: Debit cards

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