Top 10 Hidden Features of Google Pay You Didn’t Know (2026 Edition)
In the bustling digital landscape of India, Google Pay (or GPay) has become as essential as our morning chai. Whether it's paying the local kirana store or sending money to a friend, we use it daily. However, most of us only scratch the surface of what this powerful app can do.
As we move into 2026, Google Pay has evolved from a simple UPI app into a comprehensive financial toolkit. If you think GPay is just for scanning QR codes, you’re missing out on some serious "superpowers."
Here are the top 10 hidden features of Google Pay India that will change the way you manage your money.
1. Check Your CIBIL Score for Free (Monthly)
Did you know you don’t need to pay a third-party site to check your credit health? Google Pay allows Indian users to check their CIBIL score for free directly within the app.
How to find it: Scroll down to the "Manage your money" section on the home screen.
Why it’s cool: It gives you a detailed "Credit Report" powered by TransUnion CIBIL, showing your payment history and personalized tips to improve your score. You can refresh this every month without affecting your score!
2. Activate "Credit Line on UPI"
The days of needing a physical credit card are fading. Google Pay now supports Pre-sanctioned Credit Lines from banks. This means you can use a credit limit approved by your bank to make UPI payments even if your bank balance is zero.
The Benefit: It works exactly like a credit card but with the ease of a QR scan. You can manage your financial planning better by using credit for big-ticket items while keeping your savings intact.
3. Split Bills with Custom Amounts
Most people know about the "Split Expense" feature, but few realize you don't have to split it equally. If you went out for dinner and one friend ordered an expensive lobster while you had a salad, GPay lets you adjust the shares.
Pro Tip: You can split by exact amounts, percentages, or "shares." GPay even sends automatic reminders to that one friend who always "forgets" to pay back.
4. Digital Gold Locker (24K Gold)
You can actually become a gold investor with just ₹1. Google Pay’s Gold Locker (in partnership with MMTC-PAMP) allows you to buy 99.99% pure 24K digital gold.
Security: Your gold is kept in a highly secure physical vault with full insurance coverage for complete peace of mind.. You can sell it back at live market prices or even request physical delivery of gold coins to your doorstep.
5. UPI Lite for Pin-less Payments
We’ve all faced that awkward moment at a busy billing counter where the UPI PIN page takes forever to load. UPI Lite is a "on-device wallet" for small transactions (up to ₹500).
The Magic: It doesn’t require a UPI PIN and works even when your bank’s main servers are slow. It’s perfect for those ₹10 or ₹20 daily tea/coffee payments.
6. Tap and Pay (NFC Support)
If you have an NFC-enabled Android phone, you can use Google Pay like a high-end credit card. You don’t even need to open the app or scan a QR code.
How it works: Just unlock your phone and tap it against a POS machine at a mall or supermarket. It uses "Tokenization" to keep your actual card details hidden from the merchant, making it incredibly secure.
7. Book Fixed Deposits (FDs) Without a New Bank Account
You no longer need to visit a bank to start an FD. Through partnerships with providers like Equitas Small Finance Bank, you can book a Fixed Deposit directly on GPay.
Convenience: The interest rates are often competitive, and the money (principal + interest) is credited back to your linked GPay account upon maturity.
8. Get "Auto-Balance" Display
Previously, you had to manually check your balance after every transaction. A recent update allows GPay to show your Updated Bank Balance automatically on the "Payment Successful" screen.
Safety Tip: According to [suspicious link removed], always ensure you are looking at the official bank name displayed during the transaction to avoid "spoofing" fraud.
9. Pay via "UPI Circle" for Family
This is a fantastic feature for parents or those with elderly family members. UPI Circle allows you to authorize someone else (like your child) to make payments from your account within a set limit.
Control: You can set a monthly "pocket money" limit. The secondary user can scan and pay, but you retain the ultimate control to approve or block transactions.
10. Voice-Activated Payments
Google Pay is deeply integrated with Google Assistant. If your hands are full (perhaps carrying grocery bags), you can simply say, "Ok Google, pay ₹500 to Mom on Google Pay." * Ease of Use: It will open the payment screen with the contact and amount pre-filled. You just need to enter your PIN to authorize.
Conclusion: Master Your Money with GPay
Google Pay is no longer just a "payment app"; it's a digital wallet that helps you invest, borrow, and track your financial health. By using these hidden features, you can save time, earn better rewards, and keep your transactions more secure.
Call to Action (CTA): Which of these features are you going to try first? Open your Google Pay app today and check your CIBIL score or set up UPI Lite for a smoother experience! For more tech tips and financial guides, don't forget to bookmark our page.
Disclaimer: Financial products like Gold, FDs, and Credit Lines carry risks. Always read the terms and conditions within the app before investing or borrowing.
Frequently Asked Questions (FAQ)
1. Are hidden Google Pay features safe to use?
Yes. All hidden or lesser-known Google Pay features are official tools provided by Google. They follow Google’s strict security standards, including encryption and fraud protection, making them safe for everyday use.
2. Do hidden Google Pay features cost extra money?
No. Most hidden Google Pay features are completely free. However, some services like rewards, offers, or financial products may depend on partner terms, but Google Pay itself does not charge extra for these features.
3. Can I use these Google Pay features without an internet connection?
Some basic functions, such as viewing past transactions, may work offline. However, payments, rewards updates, and smart features usually require an active internet connection.
4. Are these hidden features available on both Android and iPhone?
Most Google Pay features are available on both Android and iOS. However, a few advanced or experimental features may appear first on Android devices before reaching iPhone users.
5. How can I enable hidden features in Google Pay?
Many hidden features are enabled automatically after app updates. Others can be accessed by exploring the app settings, rewards section, or privacy controls inside Google Pay.
6. Do hidden Google Pay features affect my privacy?
Google Pay allows users to control data usage and personalization settings. You can review and adjust privacy options anytime to limit how your data is used for suggestions or offers.
7. Can students benefit from these Google Pay features?
Yes. Students can benefit from expense tracking, payment reminders, cashback offers, and budget insights, which help manage daily spending more effectively.
8. Why doesn’t everyone know about these Google Pay features?
Google Pay regularly adds updates quietly in the background. Many users focus only on sending and receiving money, so advanced tools often go unnoticed.
9. Do I need the latest version of Google Pay to access hidden features?
Yes. Keeping Google Pay updated ensures access to the newest features, better security, and improved performance.
10. Will Google Pay add more hidden features in the future?
Absolutely. Google continuously improves Google Pay with AI-powered tools, smarter budgeting options, and enhanced security features, especially as digital payments grow in 2026 and beyond.
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