Query: Tap & Pay Mode - Visa/MC CC on Gpay any benefits/catch?

[Rishabh]

Hello TFians,

Is anyone regularly using Tap n Pay feature on Gpay to make spends via Linked cards? Any potential benefits or drawbacks compared against Physically Swiping the card at terminal?
I have multiple cards and thinking to link the card on the GPay to avoid carrying cards for offline shopping, but don't wanna miss offline offers like Dining spends, Fuel spends etc. if they are not applicable when paid via Gpay.

It will be helpful if anyone can confirm/share the experience.

Also if someone wants to make txn above 5000, will it going to work via GPay TapnPay & putting pin on the terminal after Tap or it will get declined and only upto 5000rs Txns will be supported?

 

[helloworld]

tap & pay - works same as 'contactless' feature on credit card and same settings for limits apply.

You can set the limit and upto 5000 no pin required, more than if allowed in settings required pin.

- some banks kept low limits on tap & pay, that is the only drawback compared to physical swipe otherwise nothing.
- offers applicable as usual, its like physical usage but instead swipe you're tapping. Offers and benefits continue as usual.