Google Pay UPI Embraces RuPay Credit Cards, Expanding Payment Options in India

RBI’s decision to allow UPI payments through credit cards last year had limited usage. However, Google has now officially extended its support for RuPay credit cards in India, alongside Paytm and PhonePe. This integration is a significant move for Google Pay, given its ever-increasing popularity, with 8.8 million users in April 2023. Here are the key details:

Google Pay now facilitates UPI transactions with RuPay credit cards, thanks to its collaboration with NPCI. Users can link their RuPay credit cards to Google Pay, enabling them to make online and offline payments seamlessly.

Presently, this feature is available to RuPay cardholders from HDFC Bank, Axis Bank, Punjab National Bank, Bank of Baroda, Canara Bank, Indian Bank, Kotak Mahindra Bank, and Union Bank of India. More banks are expected to join in the near future.

Nalin Bansal, Chief of Relationship Management and Key Initiatives of Corporate Business at NPCI, expressed his thoughts on the partnership, stating, “We anticipate that this service will mature to provide convenient access to digital credit on demand. Consumers will be able to leverage the inherent security and availability of the UPI network for both offline and online platforms. We are excited to collaborate with Google Pay as we believe that this combination will play a pivotal role in democratizing credit in India.”

To utilize your RuPay credit card for UPI transactions on Google Pay, follow these steps: Go to your profile, select “RuPay credit card on UPI” as the payment option, choose your banking partner, and enter the required card details (such as the last six digits, validity, etc.) to complete the setup process. Once set up, you can make payments via Google Pay UPI using your RuPay credit card.