RuPay Credit Cards Now Enabled For UPI Via Google Pay, Here’s How To Link With GPay

Payment platform Google Pay has recently announced that a cardholder can now link their RuPay credit cards for UPI transactions amid the Reserve Bank of India (RBI) push to increase digital payments.

As of now, various Indian banks, including the State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank, and others, have started giving the feature of syncing RuPay credit cards with Google Pay.

With this feature, cardholders can integrate their credit cards to make UPI payments using QR codes, UPI IDs, and merchant handles at both offline and online platforms, including Amazon, Flipkart, and others. The feature is currently available only for RuPay credit cards.

Google Pay, usually linked with bank accounts and debit cards, is extending its capabilities following a 2022 RBI directive that encouraged the linkage of credit cards with UPI. The announcement is expected to increase access to digital payments for millions of users.

A Step-by-Step Guide On How To Link Google Pay With RuPay Credit Card

In order to use the service, users must first register with Google Pay using their Gmail ID and follow these steps:

Go to Google Pay and click on the profile icon.

Click on “Payment Methods” and select “Add RuPay Credit Card.”

Choose your issuing bank and enter your card details.

Verify the card by entering the generated OTP.

Set or confirm a UPI PIN to start using the card for transactions.

RuPay credit cards can be used for safe and secure UPI transactions once they start, without having to carry the physical card.

Why Should You Link Your RuPay Credit Card With GPay

You can make quick transactions via smartphones.

Kirana stores, retail chains, and e-commerce platforms now enable RuPay UPI payments.

Banks offer promotional benefits for UPI-based credit card usage.

The service is supposed to comply with RBI guidelines and is supposed to increase RuPay's digital penetration.

New Charges Apply

Google Pay recently introduced convenience fees ranging from 0.5 per cent to 1 per cent plus GST for credit card bill payments, including RuPay. In spite of the fact that bank account UPI payments remain free, specific high-value credit card transactions are subject to these fees.

UPI Growth Continues to Surge

In March 2025, UPI transactions hit Rs 24.77 lakh crore, an increase of 12.7 per cent over February and a 25 per cent rise in value over March last year, according to data from the Press Trust of India. Across rural and urban areas, transaction volume rose approximately 35 per cent year-over-year.