How to Add RuPay Card in Google Pay? Step-by-step Guide

The government has made it easier to manage your finances by allowing RuPay credit cards to be linked with UPI. This is a helpful option, especially if you tend to leave your cards behind or prefer the convenience of digital payments. By linking your RuPay card to UPI Apps like Google Pay, you can make secure transactions directly from your smartphone without needing a physical card. In this blog, we’ll walk you through the simple steps to link your RuPay credit card with Google Pay, so you can start using this feature right away.

How to Add a RuPay Card in Google Pay

Here’s how you can add a RuPay credit card to Google Pay:

• Step 1. Open Google Pay: Start by opening the Google Pay app on your phone.
• Step 2. Access the Add Card Option: Tap your profile picture in the top-right corner of the app. From the menu that appears, select the option to add a RuPay credit card.
• Step 3. Choose Your Bank: You’ll see a list of banks that support RuPay credit cards. Pick the bank that issued your card. If you don’t see your bank on the list, it might not yet support RuPay credit cards for this feature.
• Step 4. Select the Card: If you have more than one RuPay credit card, you’ll need to choose the one you want to add from the available options.
• Step 5. Enter Card Details: To verify your account, you’ll need to enter the details of your RuPay credit card as prompted by the app.
• Step 6. Set Up Your UPI PIN:
  • If you already have a UPI PIN, enter it when prompted.
  • If you don’t have one, follow the on-screen steps to create a new UPI PIN.
  • If you’ve forgotten your UPI PIN, tap the “Forgot PIN” option and follow the instructions to reset it.

Note: The UPI PIN for your RuPay credit card is separate from the PIN you use for the card itself.

Once you’ve completed these steps, your RuPay credit card will be added to Google Pay, and you can start using it for transactions.

How to Add a RuPay Credit Card to Google Pay Using Aadhaar

Google Pay also offers you the functionality to add your credit cards using your Aadhar details. Take a look at the steps below to see how it works:

• Step 1. Launch Google Pay: Open the Google Pay app on your smartphone.
• Step 2. Access Your Profile: Tap on the profile icon at the top-right corner of the screen. From the menu that appears, choose "Add RuPay Credit Card."
• Step 3. Choose Your Bank: You’ll see a list of participating banks. Choose the bank that issued your RuPay credit card. If your bank isn’t listed, it may not yet support this feature.
• Step 4. Select Your RuPay Credit Card: If you have multiple RuPay credit cards, pick the one you want to add to Google Pay.
• Step 5. Verify with Aadhaar: To proceed, you’ll need to enter your Aadhaar details. Ensure that the mobile number linked with your Aadhaar is the same as the one tied to your RuPay credit card. You can confirm this by visiting the UIDAI website (https://uidai.gov.in).

  On the website, navigate to My Aadhaar > Aadhaar Services, and use the option to verify your mobile number or email address linked to Aadhaar.

• Step 6. Enter Aadhaar Number: Input the first six digits of your Aadhaar number as requested, and follow the prompts to complete the verification.
• Step 7. Set or Enter Your UPI PIN: After Aadhaar verification, you’ll need to create or enter a UPI PIN.
  • If you already have a UPI PIN, simply enter it.
  • If you don’t have one, the app will guide you to set up a new UPI PIN.
  • If you forgot your PIN, tap on "Forgot PIN" and follow the instructions to reset it.
  • Keep in mind that your UPI PIN for the RuPay credit card will be different from your card’s regular PIN.
• Step 8. Finish the Setup: Once your UPI PIN is set up, your RuPay credit card will be successfully linked to Google Pay, and you'll be ready to make payments.

Things to Remember:

• You can only use the RuPay credit card for merchant payments during checkout. It won’t work for peer-to-peer (P2P) transfers.
• If you run into any issues or don’t see the Aadhaar verification option, contact your bank. You can find your bank’s contact details at www.digisaathi.info.

By following these steps, you’ll easily add your RuPay credit card to Google Pay and be all set to use it for transactions.

Benefits of Adding RuPay Card to Google Pay

Adding a RuPay card to Google Pay can make your payments smoother and safer. Here’s how:

1. Wider Acceptance: RuPay is widely accepted across India, and its reach is growing globally. By linking your RuPay card to Google Pay, you can use it to pay at a variety of merchants, both online and in stores, making it easier to complete transactions wherever you go.
2. Secure Transactions: With RuPay and Google Pay together, your payments are more secure. Both platforms offer encryption and advanced security features like two-factor authentication, which keeps your financial information safe from potential threats.
3. Convenient Payments: Forget about carrying physical cards or dealing with cash. Once your RuPay card is connected to Google Pay, all your payments are just a tap away. Whether you're buying groceries, booking tickets, or paying bills, you can do it quickly and without hassle, anytime and anywhere.
4. Rewards: Some RuPay cards come with added benefits like cashback and rewards points. When linked with Google Pay, you can earn these rewards with every purchase, helping you save a little extra on things you buy regularly.
5. Instant Notifications: Once you've linked your RuPay card to Google Pay, you’ll get real-time updates on your spending. This feature makes it easier to track your expenses and stay on top of your finances, helping you manage your budget more effectively.
6. Easy Bill Payments: With Google Pay, you can link your RuPay card to pay various bills like utilities, insurance, and subscriptions. It’s a seamless way to manage all your payments in one place, ensuring you never miss a due date again.

How to Remove RuPay Credit Cards from Google Pay

To remove your RuPay credit card from Google Pay, follow these steps:

1. Open Google Pay: Start by opening the Google Pay app on your phone.
2. Go to Your Profile: Tap on your profile picture located in the top right corner of the screen.
3. Select Your RuPay Card: From the options, choose the RuPay card you want to remove from your Google Pay account.
4. Remove the Card: Once you've selected the card, look for the "More" option at the top of the screen. Tap on it, and then tap "Remove account" to remove the card from your Google Pay.

Closing Thoughts

Linking your RuPay card to Google Pay is a simple way to enjoy secure, cashless transactions. With this setup, you'll have greater convenience and peace of mind while managing your payments. It's a great option for those who prefer digital methods and want quick access to their finances. Just follow the steps mentioned in this blog, and you’re all set!

Frequently Asked Questions (FAQs)

1. What type of card is RuPay?

   RuPay offers both debit and credit cards. Debit cards are connected to your bank account, so purchases are deducted right away, while credit cards let you borrow money up to a certain limit, which you pay back later.

2. Where can I use my RuPay card?

   You can use RuPay cards in many places across India, such as shops, restaurants, online stores, and ATMs. Some RuPay cards can also be used internationally, thanks to partnerships with global payment networks.

3. Can I use a RuPay card abroad?

   Yes, certain RuPay cards can be used for purchases and cash withdrawals outside India. Through partnerships with networks like Discover and Diners Club, RuPay cards work at selected international locations and ATMs.

4. Are there limits on daily transactions with RuPay cards?

   Yes, there are daily transaction limits for RuPay cards, but these limits vary depending on the bank and the type of card. It's a good idea to check with your bank for the specific limits on your card.

5. Is it possible to link a RuPay card to digital payment apps?

   Yes, you can link your RuPay card to digital payment apps like Google Pay, as long as the app supports RuPay. Just follow the app’s instructions to add your card as a payment option.