How to Add Credit Card In Google Pay?

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Add Credit Card in Google Pay & Link with UPI using Google Pay 

A Google Pay account can be easily linked with your bank account, debit card and credit card. G-Pay offers the facility of adding multiple bank accounts or cards to your G-Pay account so that you can choose from any one of them at the time of payment. 


In the age of technology where all the services are available online, to the comfort of people, adding your credit card to your Google Pay account can also be done online without any hassle.

How to Add Credit Card to Google Pay

To add your credit card to Google Pay, you will have to follow the below-mentioned steps -


  • Step 1: Install the Google Pay app on your device

  • Step 2: Create your Google Pay account and then tap on your profile icon

  • Step 3: Choose the ‘Bank Accounts and Cards’ option

  • Step 4: Next, tap on ‘Add Card’

  • Step 5: Enter the required details like the credit card ID, expiry date, and CVV

  • Step 6: Now, you will have to fill in your name and the address for billing

  • Step 7: Save the entered details to connect a credit card to Google Pay

  • Step 8: Tap on the ‘Accept issuer T&C’ option

  • Step 9: Once you enter all these details, Google Pay will directly contact your bank and verify the information.

  • Step 10: An authentication process will take place via OTP generation

  • Step 11: Enter the OTP that you receive and then tap on ‘Activate’ under the payment methods of credit cards

  • Step 12: Enter your one-time password

  • Step 13: Your credit card will be linked with your Google Pay account

How to Link Credit card with UPI Through Google Pay

The steps that you would have to follow to link your credit card with UPI through the Google Pay smartphone application have been listed below. 


  • Step 1: Open the Google Pay application on your smartphone. 

  • Step 2: Tap the profile icon on the top right corner of the app’s home screen. 

  • Step 3: Click on ‘Payment Methods’.

  • Step 4: Tap ‘Add credit or debit card’.

  • Step 5: The app will prompt you to take a photo of your credit card. Alternatively, you can also choose to enter the details manually. 

  • Step 6: Once the details of your card have been entered, check your billing address and click on ‘Save’. 

  • Step 7: You will be asked to accept certain ‘Terms and Conditions’. Tap on the ‘Accept and Continue’ button.  

  • Step 8: You will be asked to enter an OTP that would be sent to your registered phone number. 

  • Step 9: Once you enter the OTP, the card will be linked to your UPI handle, allowing you to make payments.

Benefits of Adding Credit Card to Google Pay 

Google Pay does not only come with ease and comfort for users of making payments but there are a few other benefits as well -


  • You can make payments with just one tap by using the One-tap and Pay option by Google Pay at NFC portals.

  • Making payments through Google Pay has become easier as now users have the option to pay via scanning the QR code.

  • Google Pay offers complete security in the payment of mobile balances, bill payments, etc.

  • You can pay any merchant or third-party website which accepts Google Pay.

  • Along with convenient payments, Google Pay also provides various offers, cash backs, discounts and rewards with every transaction or payment.

Therefore,  it is more than clear that Google Pay has played a crucial role in providing people with a comfortable and convenient payment system that also is secure. Google Pay allows users to process various transactions online which are important in day-to-day life. The payment system has never been this smooth for users before and now that you know how to add your credit card to your Google Pay account, you can enjoy all the benefits.

Where All Can I Pay Through Cards Using Google Pay? 

Once you add your credit card in Google Pay, you can use your NFC-enabled smartphone to tap and pay at all NFC-enabled Point of Sale machines. 


Alternatively, you can also make payments via Google Pay by scanning a QR code through the app’s ‘Scan any QR code’ option. 


And finally, you can also make online payments by choosing ‘Google Pay’ at the payment gateway and proceeding to pay using the linked credit card.

FAQs about How to Add Credit Cards to GPay?

  • ✔️Which bank credit cards are supported on Google Pay?

    There are a few selected banks only whose credit cards are eligible for Google Pay. Those banks are HDFC, SBI, Kotak VISA Cards, HSBC Visa Cards, and Axis. The procedure to add credit cards in G-Pay to these selected banks is the same as mentioned above.

  • ✔️On which applications can I use G-Pay for payments?

    You can use Google Pay for any offline and online transactions via Bharat QR-based applications.

  • ✔️In case I change my smartphone, will I have to add my credit card again to the new phone?

    Google Pay’s credit card token is extremely device-specific and therefore yes, you will have to link your Google Pay account every time you change the device.

  • ✔️Is it possible to remove my credit card from my Google Pay account?

    Yes, you can simply remove your credit card from your G-Pay account by following these steps -

    • Open Google Pay

    • Go to ‘Settings’

    • Tap on ‘Payment Methods’

    • Choose the credit card you wish to remove and select the ‘Remove Card’ option.

  • ✔️Can I use my blocked credit card via GPay?

    No, in case your credit card is blocked by the bank, then you cannot use it via G-Pay or any other online payment platform.

  • ✔️Can I use my credit card added on Google Pay at ATMs?

    No. Google Pay cannot be used on any ATMs to withdraw cash.

  • ✔️Does Google Pay issue credit cards to its customers?

    Yes. Google has partnered with Axis Bank to issue credit cards. You can apply for the Axis Bank ACE credit card through the Google Pay application.

  • ✔️How to Remove Credit Cards from Google Pay?

    Here’s a quick look at the steps that you will have to follow to remove a credit card from the Google Pay application. 


    • Step 1: Open the Google Pay smartphone app. 

    • Step 2: Tap on your profile icon at the top right corner. 

    • Step 3: Tap ‘Payment Methods’. 

    • Step 4: Tap on the credit card that you wish to remove. 

    • Step 5: Tap on the three vertical dots at the top right corner. 

    • Step 6: Tap on ‘Remove Card’ to remove the credit card from your Google Pay app.
  • ✔️How long will it take for my Card to activate after registering it to Google Pay?

    You can use your credit card to make payments on Google Pay as soon as you’re done adding it.

  • ✔️What if my CreditCard is upgraded, or reissued upon card expiry/damage/loss?

    If your credit card has been upgraded or reissued for any reason, you will have to remove the card from your Google Pay account and add the new one on the app to be able to continue making payments.