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Best Credit Card for Google Pay in India (2026)

Quick answer:

YES BANK POP-CLUB Credit Card gives you up to 10% back on payments via Google Pay — the highest of any card we track.

Updated April 2026·10 cards compared·No affiliate commissions

Top 10 Cards for Google Pay

1

YES BANK POP-CLUB Credit Card

YES Bank

Up to 10% on upi

Reward rateUp to 10%
Annual feeFREE
Score7.8/10
2

Uni Card

Uni

Up to 7% on upi

Reward rateUp to 7%
Annual feeFREE
Score7.5/10
3

Kiwi RuPay Credit Card

Kiwi

Up to 5% on upi

Reward rateUp to 5%
Annual feeFREE
Score6.3/10
4

Jupiter Edge CSB Credit Card

Jupiter

Up to 2% on upi

Reward rateUp to 2%
Annual feeFREE
Score7/10
5

AU SPONT Credit Card

AU Small Finance Bank

Up to 1% on upi

Reward rateUp to 1%
Annual fee₹299
Score7.2/10
6

HSBC Cashback Credit Card

HSBC

Up to 10% on cashback category

Reward rateUp to 10%
Annual fee₹999
Score8.2/10
7

SimplyCLICK Advantage SBI Card

SBI

Up to 10% on cashback category

Reward rateUp to 10%
Annual fee₹499
Score7.9/10
8

Titan SBI Credit Card

SBI

Up to 7.5% on cashback category

Reward rateUp to 7.5%
Annual fee₹2,999
Score8.8/10
9

HDFC Millennia

HDFC

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹1,000
Score8.7/10
10

Axis Bank Horizon Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹3,000
Score8.6/10

How We Ranked These

We ranked all 239 credit cards in our database against Google Pay using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Google Pay (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Google Pay falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

Tips to Maximise Rewards on Google Pay

→

Google Pay UPI payments do NOT earn credit card rewards (UPI debits from bank account)

→

Google Pay now supports credit card on UPI for select RuPay cards

→

For earning card rewards, use the card directly at checkout rather than GPay UPI

Cards to Avoid for Google Pay

These are popular, well-rated cards that earn only their base reward rate on payments via Google Pay. If you carry one of these, use a different card for Google Pay purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on payments via Google Pay

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on payments via Google Pay

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on payments via Google Pay

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on payments via Google Pay

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on payments via Google Pay

These are great cards for other spending categories — just not for payments via Google Pay. Use the top-ranked card above instead.

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Frequently Asked Questions

Which credit card gives the highest cashback on Google Pay?
YES BANK POP-CLUB Credit Card from YES Bank gives up to 10% back on payments via Google Pay. It has a CardTrail Score of 7.8/10 with zero annual fee.
Is there a no-annual-fee credit card good for Google Pay?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on payments via Google Pay. CardTrail Score: 7.8/10.
How do credit card rewards work on Google Pay?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Google Pay transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Google Pay?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on payments via Google Pay. Use a category-matched card instead.

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