How to Use Your Wise Card in India: A Guide for Travelers
Learn how to use your Wise card for easy, secure, and affordable spending in India. Get the mid-market exchange rate and avoid hidden fees with Wise.
Use Google Pay in India: Guide for International Travellers
India is rapidly moving towards a cashless society, with digital payment methods like UPI dominating the scene. If you're a global traveler or NRI visiting India, you might be wondering if you can use your Google Pay wallet to make payments. While the answer is nuanced, this guide will clear up any confusion and offer solutions for smooth and convenient spending during your trip.
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Understanding the Difference: Google Pay vs. GPay
It's crucial to understand that "Google Pay" can refer to two different things:
- Google Wallet (International): This is the digital wallet you might be familiar with, linked to your international bank accounts and cards. You can use it for contactless payments, online transactions, and storing tickets and passes.
- GPay (India): This is a UPI-based payment app specifically for India. It allows users with Indian bank accounts and phone numbers to make instant transfers and payments to merchants and individuals.
Can I Use My International Google Wallet in India?
Unfortunately, you generally cannot use your international Google Wallet to make UPI payments through GPay in India. GPay requires an Indian bank account and phone number, which most travelers and NRIs don't have.
Why the Confusion?
The similar names and branding can be misleading, leading many to believe they can use their familiar Google Wallet seamlessly in India. However, the Indian GPay operates on a different system (UPI) designed specifically for the Indian market.
So, How Can I Pay Digitally in India?
While your international Google Wallet might not work for UPI payments, there are still ways to utilize digital payments during your trip:
- Contactless Payments with Google Wallet: Some merchants in India, particularly in larger cities and tourist areas, may accept contactless payments via NFC. If you have a card linked to your Google Wallet that supports this, you might be able to use it at these locations. However, this is not as widely accepted as UPI payments.
- Wise Card: A fantastic alternative for travelers and NRIs is the Wise card. This multi-currency card allows you to hold and spend Indian Rupees (INR) at the real mid-market exchange rate, avoiding hefty bank fees and unfavorable exchange rates. You can use your Wise card anywhere in India that accepts Visa or Mastercard, making it a versatile and cost-effective solution.
For Indian Residents
If you're an Indian resident with an Indian bank account and phone number, you can easily set up a GPay account and enjoy the convenience of UPI payments. You can find more information on setting up GPay here: [link to relevant GPay India resource].
Why Choose Wise for Your Trip to India?
- Excellent exchange rates: Get the mid-market exchange rate when converting your currency to INR, saving you money compared to traditional currency exchange services.
- Low fees: Wise is transparent about its fees, which are generally much lower than banks or other money transfer services.
- Convenience: Manage your money and track your spending easily through the Wise app.
- Wide acceptance: Use your Wise card anywhere Visa or Mastercard is accepted, giving you the freedom to pay for your expenses across India.
Embrace the Digital Landscape with Wise
While using your international Google Wallet for UPI payments might not be an option, the Wise card offers a convenient and cost-effective solution for managing your finances in India. Enjoy the benefits of digital payments while exploring the vibrant culture and diverse landscapes of this incredible country.
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
