How to Add Credit Card in Google Pay

WhatsApp Channel Join Now
Telegram Channel Join Now

Add Credit Card in Google Pay: Google Pay is a digital wallet platform developed by Google that enables individuals to make online and in-store payments using their mobile devices. 

It is a quick and secure payment method that supports several credit and debit cards. In this article, we will guide you through the process of adding a credit card to Google Pay.

Importance of Adding a Credit Card to Google Pay

Adding a credit card to Google Pay is essential as it offers a seamless payment experience. You do not have to worry about carrying cash or cards everywhere you go, which can be inconvenient. Additionally, Google Pay secures your payment information and reduces the risk of fraud.

Setting Up Google Pay 

  1. Installing Google Pay: You need to install the Google Pay app on your mobile device. The app is available on Google Play and the App Store.
  2. Creating a Google Pay Account To use Google Pay, you need to create an account. Open the app, select “Get Started,” and follow the prompts to set up your account.
add credit card in google pay

How to Add Credit Card in Google Pay

Step 1: Once you open Google Pay, click on your profile picture.

Step 2: Select ‘Bank Accounts and Cards’.

Step 3: Now, click on ‘Add card.

Step 4: Type in your credit card number, the expiry date, and the CVV.

Step 5: Now enter your name and the billing address.

Step 6: Click on ‘Save’.

Step 7: Click on ‘Accept issuer Terms & conditions’.

Step 8: Google Pay will contact your bank and verify the credit card.

Step 9: You will be asked for an authentication through OTP.

Step 10: Once you enter the OTP, next to the credit card’s payment methods, click on ‘Activate’.

Step 11: Type in your one-time password.

Step 12: You will see a confirmation of the card having been added.

Now you can easily pay your bills and make small payments directly through the Google Pay mobile application.

Read: How to reset TPIN in PNB One app

Read: How to delete Google Pay account permanently

How to Link Credit card with UPI Through Google Pay

  1. Open the Google Pay application on your smartphone. 
  2. Tap the profile icon on the top right corner of the app’s home screen. 
  3. Click on ‘Payment Methods’.
  4. Tap ‘Add credit or debit card’.
  5. The app will prompt you to take a photo of your credit card. Alternatively, you can also choose to enter the details manually. 
  6. Once the details of your card have been entered, check your billing address and click on ‘Save’. 
  7. You will be asked to accept certain ‘Terms and Conditions’. Tap on the ‘Accept and Continue’ button.  
  8. You will be asked to enter an OTP that would be sent to your registered phone number. 
  9. Once you enter the OTP, the card will be linked to your UPI handle, allowing you to make payments.

Now you can easily pay your bills and make small payments directly through the UPI on Credit Card.

Can I add Multiple Credit Cards

Google Pay allows you to add more than one credit card. Once you have added multiple credit cards, you can select a default card for transactions.

The Verification Process Google verifies your credit card information by charging a small amount and then refunding it. This ensures that the entered information is correct.

It also helps Google Pay guarantee payment for merchants and protects users in case of unauthorized transactions.

Security and Privacy

Google Pay adheres to strict security and privacy standards to protect your information.

How Google Pay Keeps Your Information Safe 

Google Pay secures your payment information using several security features such as tokenization, two-factor authentication, and device lock. Additionally, Google Pay does not store your card details on your device or its servers.

Information That Google Pay Collects

Google Pay collects information such as payment history, device information, and location information. However, this information is encrypted and stored securely.

Managing Your Security and Privacy Settings

You can customize your security and privacy settings in the Google Pay app. Select “Settings,” then “Security and Privacy” to access these options.


Despite the seamless payment experience, some users may encounter issues when adding a credit card to Google Pay. Here are some common issues and solutions.

Common Issues with Adding a Credit Card to Google Pay

  • Incorrect credit card information
  • Card issuer does not support Google Pay
  • Verification process fails
  1. Error Messages and What They Mean

Google Pay provides error messages that help you identify and address the issue. For example, “Unable to Add Card” means the card issuer does not support Google Pay.

  1. Steps to Resolve Issues

If you encounter an issue, ensure that you entered the correct information and your card supports Google Pay. If the issue persists, you can contact your card issuer or Google Pay support for assistance.

How to change UPI pin in Google Pay

  1. Open Google Pay .
  2. At the top right, tap your photo.
  3. Tap Bank account.
  4. Tap the bank account you want to edit.
  5. Tap MoreMore and then Change UPI PIN.
  6. Create a new UPI PIN.
  7. Enter the same UPI PIN again.

How to Reset UPI pin in Google pay

  1. Open Google Pay .
  2. At the top right, tap your photo and then Bank account.
  3. Tap the bank account that you want to edit.
  4. Tap Forgot UPI PIN.

Tip: If you enter a wrong UPI PIN more than three times, you must reset your PIN or wait 24 hours to make your next transaction. You can’t send or receive money during this time.

How to Remove cards from Google Pay

Google pay allows you to remove your saved card from it. You can follow these simple steps to remove cards:

  1. On your mobile device, open Google Pay .
  2. Tap Settings and then Payment methods.
  3. Tap the card you want to remove and then Remove card.

Note: Removing your Card from Google Pay will automatically disable all forms of tokenized card payments for you.

How to delete Google Pay transaction history

If you delete specific Google Pay transactions, it doesn’t delete all your Google Pay data or stop new data from being collected. To delete all Google Pay data, you must permanently delete your Google Pay Service.

  1. Go to your Google Account service deletion page.
  2. Sign in to your account.
  3. Next to “Google Pay,” click Delete Delete.
  4. Check the boxes.
  5. Click Delete Google Pay.

What is the limit of Google Pay

Name of the BankGoogle Pay per day Limit
Abhyudaya Co-Operative Bank25000
Adarsh Co-Op Bank Ltd50000
Aditya Birla Idea Payments Bank100000
Airtel Payments Bank100000
Allahabad Bank100000
Allahabad UP Gramin Bank40000
Andhra Bank100000
Andhra Pradesh Grameena Vikas Bank100000
Andhra Pragathi Grameena Bank20000
Apna Sahakari Bank100000
Assam Gramin VIkash Bank25000
Axis Bank100000
Bandhan Bank100000
Bank Of BarodaNot set
Bank of India100000
Bank of Maharashtra100000
Baroda Gujarat Gramin BankNot set
Baroda Rajasthan Kshetriya Gramin Bank25000
Baroda Uttar Pradesh Gramin Bank25000
Bassein Catholic Co-Op Bank40000
Bhilwara Urban Co Operative Bank LTD25000
Bihar Gramin Bank
Canara Bank100000
Catholic Syrian Bank100000
Central Bank of India100000
Chaitanya Godavari Grameena Bank100000
Chhattisgarh Rajya Gramin Bank100000
Citibank Retail100000
City Union Bank100000
Corporation Bank100000
DBS Digi Bank100000
DCB Bank5000
Dena Bank100000
Dena Gujarat Gramin Bank
Dhanlaxmi Bank Ltd100000
Dombivali Nagrik Sahakari Bank100000
Equitas Small Finance Bank100000
ESAF Small Finance Bank100000
Federal Bank100000
FINO Payments Bank100000
G P Parsik Bank100000
Himachal Pradesh Gramin Bank50000
Hutatma Sahakari Bank LtdNo limit
ICICI Bank10000 (25000 for Google Pay users)
IDBI Bank100000
India Post Payment Bank50000
Indian Bank100000
Indian Overseas Bank100000
IndusInd Bank100000
J&K Grameen Bank20000
Jalgaona Janata Sahkari Bank100000
Jammu & Kashmir Bank20000
Jana Small Finance Bank40000
Janta Sahakari Bank Pune100000
Jio Payments Bank100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd200000
Karnataka Bank200000
Karnataka Vikas Grameena Bank25000
Karur Vysaya Bank100000
Kashi Gomti Samyut Gramin Bank100000
Kaveri Grameena Bank25000
Kerala Gramin Bank20000
Kotak Mahindra Bank100000
Langpi Dehangi Rural Bank100000
Madhya Bihar Gramin Bank100000
Maharashtra Grameen Bank100000
Maharashtra State Co-Op Bank50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)25000
Manipur Rural Bank10000
Maratha Co-Op Bank100000
Meghalaya Rural Bank100000
Mizoram Rural Bank100000
NKGSB Co-Op. Bank Ltd40000
Oriental Bank of Commerce100000
Paschim Banga Gramin Bank25000
Paytm Payments Bank100000
Pragathi Krishna Gramin Bank20000
Prathama Bank50000
Punjab and Maharastra Co-Op Bank100000
Punjab and Sind Bank10000
Punjab Gramin Bank25000
Punjab National Bank50000
Purvanchal Bank100000
Rajasthan Marudhara Gramin Bank25000
Rajkot Nagari Sahakari Bank Ltd100000
Samruddhi Co-Op Bank Ltd100000
Sarva Haryana Gramin Bank100000
Sarva UP Gramin Bank100000
Saurashtra Gramin Bank100000
Shree Kadi Nagarik Sahakari Bank Ltd100000
South Indian Bank100000
Standard Chartered100000
SBI / State Bank of India100000
Suco Souharda Sahakari Bank100000
Suryoday Small Finance Bank Ltd100000
Suvarnayug Sahakari Bank Ltd100000
Syndicate Bank100000
Tamilnadu Mercantile Bank100000
Telangana Gramin Bank100000
Telangana State Co-Operative Apex Bank100000
Thane Bharat Sahakari Bank100000
The Cosmos Co-Operative Bank LTD50000
The A.P. Mahesh Co-Operative Urban Bank25000
The Ahmedabad District Co-Operative Bank Ltd25000
The Ahmedabad Mercantile Co-Op Bank Ltd100000
The Andhra Pradesh State Co-Operative100000
The Baroda Central Co-Operative Bank Ltd100000
The Gujarat State Co-Operative Bank Limited100000
The Hasti Co-operative Bank Ltd100000
The Kalyan Janta Sahkari Bank100000
The Lakshmi Vilas Bank Limited100000
The Mahanagar Co-Op. Bank Ltd50000
The Malad Sahakari Bank Ltd50000
The Mehsana Urban Co-Operative Bank100000
The Municipal Co-Op Bank Ltd50000
The Muslim Co-Operative Bank Ltd100000
The Nainital Bank Ltd40000
The Ratnakar Bank Limited25000
The Saraswat Co-Operative Bank100000
The Surat People’s Co-Op. Bank Ltd100000
The Sutex Co-Op Bank100000
The SVC Co-Operative Bank Ltd20000
The Thane Janta Sahakari Bank Ltd (TJSB)100000
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd100000
The Udaipur Mahila Urban Co-Op Bank Ltd100000
The Urban Cooperative Bank Ltd Dharangaon25000
The Varachha Co-Op Bank Ltd40000
The Vijay Cooperative Bank Ltd200000
The Vishweshwar Sahakari Bank Ltd100000
Tripura Gramin Bank10000
UCO Bank100000
Ujjivan Small Finance Bank Limited100000
Union Bank of India200000
United Bank of India60000
Uttarakhand Gramin Bank100000
Vananchal Gramin Bank20000
Vasai Vikas Co-Op Bank Ltd100000
Vijaya Bank50000
YES Bank100000

How to lodge complaint to Google Pay India

Google is registered in India with the name of Google India Digital Services Private Limited. Its registered office address is 5th floor, DLF Centre, Block 124, Narindra Place, Sansad Marg, New Delhi – 110001 

You call to Google Pay Customer Care number: 1800-419-0157

In-app support

  1. Open the Google Pay app.
  2. Tap Settings.
  3. Tap Help and feedback.

Google Pay Nodal Officer contact details

Name: Rahul Dhiman

Address: 5th Floor, DLF Centre, Block 124, Narindra Place, Sansad Marg, New Delhi Central, New Delhi – 110001, India

If you are still not satisfied, then you can report your issue to NPCI redressal team. Click here to fill form

Read: Do you know the claim process of PMJJBY Insurance Scheme?


Adding a credit card to Google Pay is easy and secure, and it offers a convenient payment experience. Ensure that your payment information is correct and supported by Google Pay to avoid issues. Overall, Google Pay is a reliable payment app that supports multiple credit and debit cards.


The transaction failed but the amount got deducted from the bank account.

Banks usually take up to 3 business days to add money back to your account. Please wait for your bank to complete the reversal. Refer to the bank account statement to verify if your transaction has been reversed.

How to use default tap and pay card in Google Pay

On your Android phone, open the Google Pay app .
At the top right, tap your Profile picture and then Wallet.
Swipe left or right to the card you want to use.
Tap the card you want to use as your default contactless payment method.
Tap Set as default contactless.


Bankpediaa is owned by Yogesh. He is Graduate in Information Technology and also have experience in Finance Sector of more than 7 years. On this website you will find authentic and genuine information only.