Google Pay, one of the biggest platforms for digital transactions, has introduced a feature that lets you use your debit and credit cards for digital transactions. It allows you to use this feature even when you are not physically carrying the cards.

Using this feature lets you enjoy the service of UPI transactions with the help of your credit or debit card. Read this article till the end to learn about how to add credit card to Google Pay to avail this facility.

Steps To Add Credit Card To Google Pay

Follow the below simple steps to add your credit card to Google Pay:

Step 1: Download the Google Pay app on your device and install it.

Step 2: Open the Google Pay app and click on your profile picture.

Step 3: Select the ‘Pay with Credit or Debit Cards’ option and click the ‘Add a card’ button.

Step 4: Click on ‘Add Details Manually’. Enter the required details including your credit card number, the CVV and your card’s expiry date. Click ‘More’.

Step 5: Now provide your name (name of the cardholder) and the billing address.

Step 6: Review the details you provided and click on the ‘More’ option.

Step 7: Google Pay will connect with your bank and verify the details of your card. After this, select the mode of receiving OTP and click ‘Continue’. 

Step 8: Enter the OTP and click ‘Submit’.

You will receive a confirmation message of your credit card addition to your Google Pay app.

Benefits Of Adding Credit Cards to Google Pay

Adding your credit card to Google Pay has several advantages which are as follows:

Easy Accessibility

• A credit card is one of the most useful financial products that allows you to access digital transactions. 
• However, even if you do not carry these cards physically, you can use them for digital transactions when you add them to your Google Pay account. 
• Thus, whether you are at a store or shopping online, this feature provides you with convenience and easy accessibility.

Better Security

• In the age where the risks of cyber threats are increasing, ensuring the level of security with your financial products is a must. 
• Google Pay features advanced security measures like tokenisation, which ensures all your credit card details are not stored on your device or servers. 
• Hence it minimises the risk of data breaches.

Global Acceptance

• Google Pay is a payment method that is widely accepted throughout the world. 
• Thus, adding your credit card to your Google Pay account ensures you can use your credit card for digital transactions from anywhere in the world anytime. 
• Whether you are opting for large online purchases or you wish to spend on small retail purchases, Google Pay shall be accepted across various services and merchants.

How To Use Credit Cards on Google Pay?

Using credit cards on Google Pay makes the process of digital transactions easier. The payment is made from your credit card without even physically carrying it. It involves a simple process that requires you to just scan the QR code and pay. You need to select your credit card as the preferred mode of payment, and the transaction will take place through your credit card.

You can pay from your credit card for online shopping or retail purchases from physical stores through Google Pay. You can also use credit cards added to Google Pay for bill payments and recharges done directly through the app.

How To Pay Through Credit Card In Google Pay?

You can use the credit card added to your Google Pay to make payments by following these steps:

Step 1: Open the Google Pay application and click on your profile picture.

Step 2: Click on ‘Set up payment methods’.

Step 3(a): If you have added a credit card to Google Pay, select the credit card from the given options.

Step 3(b): If you have not added a credit card, you can click on ‘Add credit or debit cards’ under ‘Other ways to pay’ and enter the card details and OTP to add a card. After adding the credit card, select the credit card to make payments through it.

Step 4: Now go to the home page and select the service or bills for which you wish to make the payment.

Step 5: Select the credit card as your payment option, enter the amount and confirm the transaction by entering your UPI PIN.

Step 6: Once the payment is done, you will receive a message confirming the transaction.

How To Transfer Money From Credit Card To Google Pay Without Charges?

You cannot use your credit card to transfer money to Google Pay. However, you can add your credit card as a primary form of payment and use it for transactions with billers and merchants.

While credit cards are one of the most crucial and useful financial products, Google Pay is yet another invention that ensures a smooth digital transaction. Therefore, adding the credit card allows you to make payments through the credit card from the Google Pay application without physically carrying it.

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