You can add credit or debit cards to your list of payment methods instead of paying directly from a linked bank account.
Important: Cards added to Google Pay don’t replace linked bank accounts and are only valid payment methods for direct transactions with merchants. To send or receive money with others, you must link a bank account and act as your default payment method.
Find out how it works
When you add a credit or debit card as a payment method, Google Pay creates a virtual account number known as a “token” that replaces your card’s actual number. This process, called “tokenization,” keeps your personal and financial information private. Tokenization helps makes sure that your private information isn’t shared with anyone else when you make transactions, including transactions in other apps.
After your token is created and your card is verified as a payment method, you can use your card to pay merchants in your day-to-day transactions. For each transaction you make with a card, you have the chance to win prizes and other rewards.
Where you can pay
You can use a credit or debit card added in Google Pay for the following types of transactions:
- Tap & pay (NFC)
- Bharat QR
- Bill payments and recharges on Google Pay
- Online payments on Myntra, Dunzo, Yatra, Magicpin, Coolwinks, EaseMyTrip, and Confirmtkt Android apps
Important: You can work with your issuer bank to opt out of these types of transactions for your tokenized cards.
Supported banks
You can currently add the following cards:
| Bank or company | Network provider | Card type |
| Axis Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| Debit card | ||
| BOB Card Limited | Mastercard | Credit card (including OneCard BIN) |
| Debit card | ||
| VISA | Credit card (includes OneCard BIN) | |
| Federal Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Debit card | |
| Credit card (including OneCard BIN) | ||
| HDFC Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| Debit card | ||
| HSBC Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| ICICI Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| Debit card | ||
| Indusind Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| Debit card | ||
| Kotak Mahindra Bank | VISA | Credit card |
| Debit card | ||
| Prepaid card | ||
| RBL Bank | Mastercard | Credit card |
| Debit card | ||
| VISA | Credit card | |
| SBI Cards and Payment Services | VISA | Credit card |
| SBM Bank (India) Limited | VISA | Credit card (OneCard BIN only) |
| South Indian Bank | VISA | Credit card (OneCard BIN only) |
| State Bank of India | Mastercard | Credit card |
| VISA | Debit card |
To keep your contactless payment secure in India, including those made with Google Pay, certain limits are set.
- Transaction limit: The maximum amount you can pay in a single contactless transaction is ₹5,000. This limit applies to all contactless payments in India, including those made with Google Pay. To provide a secure and convenient payment experience, banks and card networks set these limits.
- How to change the limit: If you need to adjust your contactless payment limit, you can adjust through your bank's mobile app or website.