Google Pay rolled out the support for RuPay credit cards on UPI in the month of May 2023. This has been done in association with the National Payments Association of India. The facility enables RuPay cardholders to pay for online and offline transactions wherever GooglePay and RuPay credit cards are accepted.

The Process to Add Your RuPay Credit Card to Google Pay

With this function, Google Pay customers will have additional options and freedom when making payments. Users must link their RuPay credit card to Google Pay in order to access the service. Here is how to do it.

  1. Go to settings in your Google Play app first. 

  2. In your profile, click the "RuPay credit card on UPI" option. 

  3. The bank that issued your RuPay credit card should be selected. 

  4. Create a special UPI PIN by providing the last 6 digits of the card and the expiry date.

  5. Provide the OTP to authenticate your account.

What is Rupay?

RuPay is a domestic card payment network in India. Launched by the National Payments Corporation of India (NPCI), RuPay aims to provide an alternative payment system to international card schemes such as Visa and Mastercard. It is designed to offer secure, affordable, and accessible payment solutions for Indian consumers.

Key Features of RuPay

  1. Card Variants - RuPay offers various card variants, including debit cards, credit cards, prepaid cards, and contactless cards, catering to different payment needs of individuals and businesses.

  2. Domestic Payment Network - RuPay is primarily focused on domestic transactions within India. It provides an alternative to international card schemes like Visa and Mastercard, offering a homegrown payment solution for Indian consumers.

  3. Wide Acceptance - RuPay cards are accepted across a vast network of merchants in India, including ATMs, point-of-sale (POS) terminals, e-commerce websites, and mobile payment platforms. RuPay cards can also be used for international transactions at participating networks.

  4. Cost-effective - RuPay aims to provide cost-effective payment solutions by offering lower transaction fees to banks and merchants compared to international card schemes. This initiative is intended to encourage financial inclusion and make electronic payments more accessible to all segments of society.

  5. Secure Transactions - RuPay ensures secure transactions through the integration of advanced security measures, including EMV chip-and-pin technology, two-factor authentication, and real-time fraud monitoring systems.

  6. Benefits and Rewards - RuPay cards often come with special benefits and rewards programs, offering discounts, cashback, and other promotional offers to cardholders. These programs are designed to incentivize card usage and enhance customer engagement.

  7. Government Initiatives - RuPay has been associated with various government initiatives aimed at promoting digital payments and financial inclusion in India. For example, RuPay has been integrated with schemes like Pradhan Mantri Jan Dhan Yojana, RuPay Kisan Card, and Bharat QR, among others.

  8. International Acceptance - RuPay has also expanded its presence globally. It has partnered with international payment networks to enable the acceptance of RuPay cards at selected international merchant locations and ATMs.


RuPay has gained significant traction in India, especially among individuals who were previously underserved or had limited access to traditional banking and payment services. With its wide acceptance, affordability, and focus on domestic needs, RuPay continues to play a crucial role in shaping the digital payment ecosystem in India.

Frequently Asked Questions

1. What is RuPay card?

RuPay card is an Indian payment card issued by banks and powered by the RuPay payment network. It enables users to make electronic payments for various transactions within India and, in some cases, internationally.

2. Is RuPay a debit card or a credit card?

RuPay offers both debit cards and credit cards. Debit cards are linked directly to the cardholder's bank account, allowing for the immediate deduction of funds, while credit cards provide a line of credit that allows for transactions with a predefined credit limit.

3. How can I get a RuPay card?

To get a RuPay card, you need to open an account with a bank that offers RuPay cards. You can approach your preferred bank, submit the necessary documents and application, and meet the eligibility criteria set by the bank to obtain a RuPay card.

4. Where can I use a RuPay card?

RuPay cards are accepted at a wide range of merchant locations within India, including retail stores, restaurants, online platforms, ATMs, and more. Additionally, RuPay has tie-ups with international payment networks, allowing some RuPay cards to be accepted at selected international locations.

5. What are the benefits of using a RuPay card?

RuPay cards often come with benefits and rewards programs, including cashback offers, discounts, and promotional deals from partner merchants. Additionally, RuPay focuses on affordability, which means transaction fees charged to banks and merchants may be lower compared to international card schemes.

6. Is a RuPay card accepted for international transactions?

Yes, certain RuPay cards are enabled for international transactions. RuPay has partnered with international payment networks, such as Discover and Diners Club, to facilitate acceptance at selected international merchant locations and ATMs.

7. Is there a daily transaction limit for RuPay cards?

The daily transaction limit for RuPay cards may vary depending on the card issuer and the type of card (debit or credit). It is advisable to check with your bank or card issuer to determine the specific transaction limits associated with your RuPay card.

8. How secure are RuPay card transactions?

RuPay card transactions incorporate various security measures, including EMV chip-and-pin technology, two-factor authentication, and real-time fraud monitoring systems. These measures help protect cardholders against unauthorized use and enhance the security of transactions.

9. Can I link my RuPay card to digital payment apps like Google Pay?

'Yes, RuPay cards can be linked to digital payment apps like Google Pay, subject to compatibility and the integration of RuPay with the respective app. You can follow the app's instructions to add your RuPay card as a payment method.