This feature is currently available to a limited number of users only. Credit card offers in Money section are being progressively rolled out.

Applying for a Credit Card with partner banks

How do I know if I am eligible to apply for a credit card issued by our partner banks on Google Pay?

  • If you are eligible, you will see offers by our partner banks to apply for credit cards in the “Money” section of Google Pay. These credit cards are offered by different partner banks, and will have different terms and eligibility criteria.
  • The “Money” section may be found by scrolling to the bottom of the Google Pay home screen (below the “Promotions” section). 
  • If there are no offers in the “Money” section, you are not currently eligible for a credit card application. However, you may be eligible for a credit card offer by our partner banks in the future. 

Why is my submitted application still pending?

Your submitted application will be processed by the partner bank which is issuing the credit card. Typically, banks will take 1-5 business days to review your application. Please check with the partner bank directly for more details on your credit card application. 

Will my credit score be impacted if I apply for credit card? 

Like for most credit products, the bank may check your credit bureau information with rating agencies. This may have an impact on your credit score.

Why was my submitted application rejected?

Google does not review your application. The partner bank decides on whether to accept or reject your application based on their eligibility criteria. To learn more about these criteria, please check with our partner banks Axis bank card FAQs.

How long will it take for my credit card to be issued?

Once approved, your credit card will be issued by your partner bank. Typically, banks will take up to 1-5 business days to issue your credit card once your application is approved. Physical (plastic) card delivery may take another 3-7 business days, depending on your delivery area. 

What if I did not receive my credit card even when my submitted application is approved?

Please check with the partner bank at the link below:

Using your Credit Card 

When can I start using my credit card?

You will need to take physical possession of your credit card and activate it for online usage before you can use it. Please refer to the welcome letter from the partner bank enclosed with your physical card to learn how you can activate your card and enable online usage.

Can I use my credit card for physical transactions?

Yes, your credit card can also be used for physical transactions.

How does the Auto-Debit feature work?

  • The Auto-Debit feature lets you automatically pay part or all of your bills from a bank account. To enable this feature, please follow the below steps:
    • If shown the Auto-debit consent, tap the consent checkbox and select how will auto-debit work (Minimum Amount Due or Total Amount Due)
      1. If you select “Minimum Amount Due”, the auto-debit amount will be used to pay for the minimum amount due each month as specified by your partner bank. This may not mean that your credit card bill is paid fully.
        • Note: You may be charged a late fee if you don’t pay your entire credit card bill in time 
      2. If you select “Total Amount Due”, the auto-debit amount will be used to pay for the total amount due each month as specified by your partner bank.
    • Please ensure you have enough money in your bank account to meet the amount due on your credit card bill. 

Fix a problem 

What do I do if I am unable to carry out a transaction with my credit card on Google Pay?

  • Check if your card is added on Google Pay. For instructions on how to do so, please refer to this article on how to Manage your debit/credit cards on Google Pay. 
  • Ensure that your phone’s NFC connection is turned on, if you are paying at a NFC terminal.
  • Close the Google Pay app and restart it to try the payment again.

How do I report fraudulent or unauthorised activity on my credit card?

You can report fraudulent or unauthorized transactions to the bank which has provided you with the credit card Axis bank reporting link.

What to do if you are a victim of a fraud transaction?

  • Immediately report any irregularities in your transactions to your bank and the Government’s Cyber Cell. We recommend you to do the following if you suspect fraud on your credit card transaction:
How am I protected from credit card fraud?

You will have zero liability for any unauthorized transaction due to (i) contributory fraud/ negligence/ deficiency on the part of the bank or (ii) due to a third party deficiency (where there is no negligence by you) and you notify your bank within 3 working days of receiving a communication from your bank regarding the unauthorised transaction. Learn more

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