Google Pay App: Add Credit Card, Make Payments, and Enjoy Secure Transactions
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Make payments, send or receive money, and receive payment reminders, making your financial management simple, safe, and seamless with Google Pay.

This app gives you the option to make payments via 3 modes- Tap & Pay, Scan QR code and In-App payment via OTP.

What is Google Pay?

If you frequently use your credit card to pay bills or shop online, you can quickly add a credit card to Google Pay in a few simple steps and avoid the inconvenience of entering the card details repeatedly. You can scan the payment barcode at any POS and complete the payment without physically carrying the credit card. Quick transactions, convenient payments, and safe Google Pay bill payment facilities are the significant benefits you get when you link your credit card to Google Pay.

While you safely #BankFromHome, we have added to the ease and convenience of your day-to-day transactions by tying up with the Google Pay app. So, now pay bills, shop online, recharge phone or pay at the nearby stores by adding your Kotak Credit Card to Google Pay app.

This app gives you the option to make payments via 3 modes- Tap & Pay, Scan QR code and In-App payment via OTP.

How Google Pay Works?

Google Pay India is a mobile payment service that can be used by customers to make merchant payments using Credit Cards (not allowed for Person to Person transfer). To secure card details, Google Pay uses a process called Tokenization with help of VISA, which replaces the sensitive card information with an alias called “Token “, that is then used for payment instead of the sensitive card information.

When you scan a payment barcode with the Google Pay app and enter your payment details, the recipient automatically receives the payment from your credit card company. Knowing how to link a credit card to Google Pay is essential, as it accelerates the entire process and makes things easier and more convenient for the user.

Eligibility and Application

Many people are confused “can I add a credit card to Google Pay?". Remember, no specific eligibility conditions exist for Google Pay add credit card feature. Anyone possessing a credit card can enter its details in the Google Pay app and provide an OTP to complete the transaction. The only prerequisites are a smartphone with the Google Pay app, a credit card, and the registered mobile number where the user will receive the OTP.

Follow these steps if you want to know how to use a credit card on Google Pay:

  • Open the Google Pay app on your smartphone.
  • Click “Add a card/bank account”.
  • Enter your Kotak credit card details.
  • Provide OTP.

Benefits of Integration

Enjoy these benefits with the integration of Google Pay using a credit card:

  • Convenient payment procedure
  • Enhanced security measures
  • Money saving with ample cashback and rewards
  • No need to enter credit card details repeatedly for each payment
  • Easy expense tracking

Managing Kotak Credit Cards on Google Pay

If you know how to pay using a credit card in Google Pay, you can navigate the transaction history to track your expenses using the Kotak credit card. Accordingly, you can manage your credit limit and monitor your expenses.

HOW TO REGISTER FOR GOOGLE PAY?

  • Download Google Pay on phones running Android 5.0 (Lollipop) or higher versions of Androids (currently this facility not available on Apple Phones).
  • Enter your mobile number to which you have the access.
  • Sign in with your Google account.
  • Follow the instructions to secure your Google Pay app and add a Card/Bank account.
  • In order to add a card on Google Pay please ensure you have access to the mobile number registered with your card as you would receive an OTP on that number.

How to Pay With Google Pay?

When you want to learn how to make payment through a credit card in Google Pay, you have three options:

  • In Stores: Open your Google Pay app, open the scanner, hold it against an NFC-enabled payment terminal, and select the credit card under payment options to complete the transaction.
  • Bharat QR Code: Open your Google Pay app, scan the Bharat QR code, choose a credit card, and enter OTP to complete the payment.
  • In-App Purchases or Bill Payments: Select the product to purchase or bill to pay, select credit card as the payment option, and enter OTP to process the payment.

Step-by-Step Guide: How to Add Credit Card to Google Pay

  • Download the Google Pay app.
  • Click ‘Bank Accounts and Cards’.
  • Click ‘Add Card’.
  • Enter your credit card details.
  • Click ‘Save’.
  • Enter OTP.
  • Confirm to add your credit card Google Pay.


Charges Associated with Adding Credit Card to Google Pay

There is no credit card to Google Pay charges for adding the card. However, charges may apply for each transaction based on the bank policies. It can be a flat charge per transaction or a percentage of the transaction amount.

Step-by-Step Guide: Making Payments Using Credit Card on Google Pay

  • Select the payment you want to make.
  • Reach the payments page.
  • Choose to make the payment using a credit card.
  • Click the credit card you want to use for the payment.
  • Enter OTP
  • Click ‘Pay’.


If you cannot see the credit card you want to use, click 'Add Credit Card' and enter the card details. In case you do not receive the OTP on the first try, click 'Resend OTP' to generate a new OTP and enter it to complete the payment.

 

Transferring Money from Credit Card to Google Pay

Google Pay allows you to keep a balance in your wallet to make instant payments. Want to know how to transfer money from credit card to Google Pay? Click ‘Add Money’ and choose the credit card you want to use. However, the amount you can add depends on your credit limit and the Google Pay policy. Google Pay charges for transaction may apply.

 

Using Credit Card on Google Pay: Tips and Best Practices

Enter the correct credit card details and check its credit limit before you add credit card to Google Pay. Use app lock to avoid unauthorised access to the app. When making a payment, check the applicable rewards, cashback, and benefits in the ‘offers’ section to save money.

 

Compatible Devices

You can download Google Pay on any Android device with Lollipop 5.0 operating system or higher. The app is not currently compatible with Apple devices.

 

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Frequently Asked Questions

Q1: Can I Add a Credit Card To Google Pay?

Yes, you can add a credit card to Google Pay using the following steps:

● Open the Google Pay app on your smartphone.

●  Click “Add a card/bank account”.

● Enter your Kotak credit card details.

● Provide OTP.

What information do I need to add a credit card to Google Pay?

You must enter the credit card number, CVV, expiry date, and exact name of the cardholder for Google Pay to add a credit card.

Is it safe to add my credit card to Google Pay?

Google Pay uses advanced security measures and tokenisation methods to keep your card details safe during transactions.

Can I add multiple credit cards to Google Pay?

Yes, Google Pay supports multiple card additions for transactions.

Are there any fees for adding a credit card to Google Pay?

No credit card to Google Pay charges are applicable for card addition. However, Google Pay charges for transactions may apply.

Don't have a Kotak Credit Card?