Google Pay

Delhi, May 23: Google Pay, in collaboration with the National Payments Corporation of India (NPCI), has introduced support for RuPay credit cards on the Unified Payments Interface (UPI) in India. This latest development allows users to link their RuPay credit cards to Google Pay and make payments at both online and offline merchants where RuPay credit cards are accepted.

The feature is now accessible to RuPay credit cardholders from various banks, including Axis Bank, Bank of Baroda, Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, and Union Bank of India. With this integration, Google aims to provide its users with greater flexibility and options for making digital payments, thereby contributing to the wider adoption of digital transactions in the country.

To activate the feature, users need to add their RuPay credit card to Google Pay. Within their profile settings, they can select the “RuPay credit card on UPI” option and choose their issuing bank. Subsequently, users are required to set a unique UPI PIN by entering the last six digits of their card number and expiry date, followed by entering the OTP received from their bank.

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Nalin Bansal, Chief of Relationship Management and Key Initiatives from NPCI expressed that the integration of the RuPay Credit Card on UPI delivers a seamless user experience by combining the convenience of UPI with the benefits of RuPay Credit Card.

It is worth noting that the Reserve Bank of India (RBI) permitted the linking of RuPay credit cards to the UPI platform back in June 2022, opening up new possibilities for users to leverage their credit cards for UPI payments.

The introduction of RuPay credit card support on UPI comes at a time when the UPI ecosystem is experiencing significant growth. According to NPCI data, UPI transactions reached a staggering 8.7 billion in March, demonstrating a substantial increase in monthly transaction count. Throughout the calendar year 2022, approximately 74 billion transactions worth Rs 125.94 trillion were conducted using UPI, underscoring its growing popularity as a preferred digital payment method in India.

With Google Pay’s integration of RuPay credit cards on UPI, users now have even more convenient and secure options for making digital payments, contributing to the ongoing digital revolution in India’s financial landscape.