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.
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 'tokenisation', keeps your personal and financial information private. Tokenisation helps makes sure that your private information isn’t shared with anyone else when you make transactions, including transactions in other apps.
Once your token has been created and your card has been verified as a payment method, you can use your card to pay merchants in your day-to-day transactions. For each transaction that 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
- In-app merchants
Important: You can work with your issuer bank to opt out of these types of transactions for your tokenised cards.
- Axis Bank
- SBI Bank
- Kotak Bank
- HSBC Visa Credit card
- HDFC Bank