How to Transfer Money from a Credit Card to Google Pay: Google Pay has made digital transactions smoother than ever, allowing users to pay bills, shop online, and send money with just a few taps. While adding a debit card or bank account to Google Pay is straightforward, transferring money from a credit card isn’t as direct. Many users look for ways to move funds from their credit card to Google Pay for quick payments, cashback rewards, or simply to manage their finances better. But is it possible? And if so, how?
In this blog, we’ll break down the steps and alternative methods for transferring money from a credit card to Google Pay, along with key considerations like fees, security, and best practices to ensure a smooth transaction.
Can You Transfer Money from a Credit Card to Google Pay?
Unlike debit cards, credit cards don’t allow direct “Add Money” transfers to Google Pay. However, there are workarounds that make it possible, such as:
- Using Google Pay for direct transactions (without transferring funds).
- Moving money through a third-party wallet that allows credit card loading.
- Sending money to a bank account via an external service and using Google Pay to access it.
Each method has its own pros, cons, and fees, which we’ll explore below.
Can You Pay Your Credit Card Bill Through Any UPI?
Methods to Transfer Money from a Credit Card to Google Pay
1. Adding a Credit Card to Google Pay for Direct Payments
Google Pay allows you to link a credit card and use it for direct transactions. This is the simplest way to use your credit card with Google Pay.
How to Add a Credit Card to Google Pay:
- Open the Google Pay app.
- Tap on Profile (top right) → Payment methods.
- Select “Add a payment method” → Credit or Debit Card.
- Enter your card details and verify via OTP.
Where Can You Use It?
Once linked, you can use your credit card for:
✅ Bill payments (electricity, mobile recharge, DTH).
✅ Online shopping (Google Play Store, apps, subscriptions).
✅ Tap & Pay at NFC-enabled stores.
⛔ Limitations: You can’t transfer money from your credit card to another Google Pay user or your bank account.
2. Using a Third-Party Wallet or Payment App
Since Google Pay doesn’t allow direct transfers from credit cards to a bank account, third-party wallets like Paytm, PhonePe, or Payzapp can help.
How This Works:
- Add your credit card to a third-party wallet that allows loading money from credit cards.
- Transfer the loaded money from the wallet to your bank account.
- Use Google Pay to access the funds in your bank account.
Popular Wallets That Support This:
✅ Paytm – Allows credit card top-ups and withdrawal to a linked bank account.
✅ PhonePe – Supports bill payments via credit cards but limited transfers.
✅ Payzapp – An option for some users, depending on bank support.
⛔ Limitations:
- Some wallets charge processing fees (2%-3%).
- Bank withdrawal restrictions may apply for certain users.
3. Sending Money to a Bank Account and Using Google Pay
Another indirect way to transfer money from a credit card to Google Pay is by sending funds to a bank account first. This method involves a third-party service like Western Union, MoneyGram, or credit card-linked UPI apps.
Steps to Transfer Money:
- Use a money transfer service to send funds from your credit card to a bank account.
- Once the amount is credited to your bank, link your bank account to Google Pay.
- Use Google Pay for UPI payments, transfers, or purchases.
⛔ Limitations:
- Cash advance fees may apply if using a credit card to transfer directly to a bank.
- Processing time (usually 24-48 hours).
Fees and Charges to Consider
Before using any of these methods, check the fees and interest rates involved:
| Method | Possible Fees |
|---|---|
| Google Pay direct payments | No extra fees |
| Wallets like Paytm & PhonePe | 2%-3% on credit card loads |
| Bank transfer via third-party apps | 2.5%-3.5% credit card fee + bank processing charges |
| Direct credit card to bank transfer | Cash advance fees + high-interest charges |
💡 Tip: Always check with your credit card provider for additional fees before transferring money.
Precautions and Best Practices
- Check fees beforehand – Avoid hidden charges that could make transfers expensive.
- Use trusted platforms – Ensure third-party wallets and transfer services are secure.
- Avoid cash advances – Directly transferring credit card funds to a bank may count as a cash advance, which incurs high interest.
- Monitor your spending – Overusing a credit card for money transfers can increase debt.
Conclusion
While Google Pay doesn’t allow direct credit card-to-wallet transfers, there are alternative methods like third-party wallets and bank transfers that make it possible. If you only need to make payments, linking your credit card directly to Google Pay is the simplest option. However, for sending money, using wallets like Paytm or transferring funds to a bank account remains the best bet—just watch out for fees and interest rates.
If you’re looking for a smooth, fee-free experience, using a debit card or UPI-linked bank account is always the best way to fund Google Pay transactions. But if a credit card is your only option, choosing the right method can help you avoid unnecessary charges.
🔹 Need a secure transfer option? Check your credit card’s policies and choose the lowest-fee method for your needs.
Can We Transfer Money From a Credit Card to a Bank Account?
FAQs
1. How to transfer money from a credit card to Google Pay without charges?
Transferring money from a credit card to Google Pay typically incurs charges, as most banks consider it a cash advance or balance transfer, which attracts fees and interest. However, there are some ways you might be able to do it with minimal or no charges:
- Bank Offers & Promotions: Some banks occasionally offer fee waivers for specific transactions. Check with your bank for any ongoing promotions.
- Third-Party Wallets: Some digital wallets (such as Paytm or PhonePe) allow credit card top-ups, which you can then transfer to your Google Pay-linked bank account. However, many of these wallets have started imposing charges.
- Credit Card Rewards or Cashback Offers: Some banks offer cashback or rewards that may offset any fees you incur.
Since financial policies change frequently, it’s best to verify with your credit card provider and Google Pay for the most updated details.
2. Is it safe to add a credit card to Google Pay?
Yes, adding a credit card to Google Pay is safe. Google Pay employs multiple layers of security, including:
- Encryption & Tokenization: Your actual card number is never shared with merchants. Instead, Google Pay uses a virtual card number (token) for transactions.
- Device Authentication: Payments require biometric authentication (fingerprint, Face ID) or a PIN, adding an extra layer of security.
- Fraud Protection: Google Pay and most banks offer fraud protection for unauthorized transactions, making it safer than carrying a physical card.
3. How to transfer money from a credit card to Google Pay using a debit card?
There is no direct way to transfer money from a credit card to Google Pay using a debit card. However, you can follow these steps to move funds indirectly:
- Withdraw money from your credit card to a linked bank account or a digital wallet that supports credit card deposits (such as Paytm or MobiKwik).
- Transfer funds from that wallet to your bank account (if allowed).
- Use your debit card to add money to Google Pay, which will then be available for UPI transactions.
Be aware that withdrawing money from a credit card often attracts high interest rates and transaction fees.
4. Can I make payments through a credit card on Google Pay?
Yes, you can use a credit card on Google Pay for various transactions, but with some limitations:
- Accepted Uses: You can use a credit card for online purchases, bill payments, and some in-store NFC payments.
- Limitations: In India, UPI transactions require a linked bank account with a debit card, meaning you cannot directly use a credit card for peer-to-peer transfers or UPI payments.
Always check with Google Pay and your bank for specific transaction rules based on your region.
5. What are the charges for transferring money from a credit card to Google Pay?
Google Pay itself does not charge fees, but your bank may impose:
- Cash Advance Fees: Most banks treat credit card fund transfers as cash advances, attracting fees ranging from 2.5% to 3.5% of the transaction amount.
- Interest Charges: If not repaid within the billing cycle, credit card transactions accrue interest, often exceeding 40% annually.
- Wallet Loading Fees: Some digital wallets charge a fee (typically 2% to 5%) for adding money using a credit card.
It’s best to check with your bank to understand the exact charges before proceeding.
6. How to add a credit card to Google Pay on an iPhone?
To add a credit card to Google Pay on an iPhone:
- Open the Google Pay app on your iPhone.
- Tap on your profile icon in the top right corner.
- Select Payment methods and tap Add Payment Method.
- Choose Credit Card and enter your card details manually or scan the card.
- Verify your card by entering the OTP (One-Time Password) sent to your registered mobile number.
- Once verified, your credit card will be added, and you can use it for eligible transactions.
7. How to add a credit card to Google Pay in India?
In India, adding a credit card to Google Pay follows a similar process:
- Open the Google Pay app on your Android or iPhone.
- Tap on Profile Picture → Payment Methods → Add Credit Card.
- Enter your credit card details manually or scan the card.
- Verify the card using an OTP sent by your bank.
- Once verification is complete, your card will be added to Google Pay.
⚠ Note: Credit card support on Google Pay in India is limited to certain transactions, such as online payments and bill payments. UPI transactions require a linked debit card and bank account.
8. Can we use a credit card on Google Pay in India?
Yes, you can use a credit card on Google Pay in India, but with restrictions:
- Allowed Transactions: Online payments, utility bills, and merchant transactions (where credit cards are accepted).
- Not Allowed: Peer-to-peer money transfers and UPI transactions, as UPI requires a bank-linked debit card.
- Supported Banks: Only certain banks and credit card networks (Visa, Mastercard, Rupay) support credit card payments via Google Pay in India.
It’s always best to check with Google Pay or your bank for the latest updates on supported transactions.
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