India’s digital payments ecosystem is constantly reaching new heights, and in a historic move, Google has launched its first credit card globally, starting with India. This move is considered a significant achievement not only for Google but also for the Indian fintech and digital payments sector. This credit card has been issued in partnership with Axis Bank and is based on the RuPay network.
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Google’s Credit Card Launched in India for the First Time
By choosing India for the launch of its first credit card, Google has made it clear how important the Indian digital payments market is globally. This Google-Axis Bank co-branded credit card is fully integrated with Google Pay, eliminating the need for users to rely on different platforms.
Why is a UPI-Linked Credit Card Special?
The biggest feature of this credit card is that it can be directly linked to UPI. Users can now make payments by scanning at UPI merchants, but the payment will be deducted directly from their credit card. Until now, this facility was only possible on the RuPay network, while Visa and Mastercard cards could not be linked to UPI.
A New Experience with Instant Reward System
This card is a step ahead of traditional credit cards. It offers instant rewards on every transaction. Users don’t have to wait until the end of the month; the rewards can be used directly in the next payment. This makes using the credit card more transparent and attractive.
Payment Model Transformed by RuPay and UPI Integration
Both RuPay and UPI are operated by NPCI. The integration of these two provides users with the simplicity of UPI and the convenience of a credit card on a single platform. The RuPay-UPI credit model is rapidly gaining popularity in India, and Google’s entry gives it international recognition.
Strategic Partnership between Axis Bank and Google
Axis Bank is the issuing bank for this credit card. This partnership combines Google’s technological expertise and vast user base with Axis Bank’s banking experience, credit underwriting, and regulatory compliance. This collaboration reflects the evolving relationship between banks and fintech companies in India.
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The future direction of digital payments
Google’s move suggests that UPI-based credit payments could become mainstream in the future. This is expected to benefit small businesses, online merchants, and ordinary consumers alike.