GST Payment via UPI, Credit Card & Debit Card: Complete List of Authorised Banks (2026 Update)

How to pay GST online using UPI, credit card, or debit card is now easier than ever. GSTN has expanded this facility to 29 states and union territories through 17 partner banks, and your bank might already be on the list.

If you've been stuck paying GST only through net banking or NEFT/RTGS challans, that's no longer your only option. The GST Network has steadily rolled out card and UPI-based payments since early 2024, and by mid-2026, the coverage looks very different from where it started. This guide breaks down exactly which banks support which payment mode, how to actually make the payment, and answers the questions taxpayers are searching for most.

Why This Update Matters for Taxpayers

Until recently, most small businesses and individual taxpayers relied on net banking or physically visiting a bank branch to clear GST dues. That meant delays, dependency on banking hours, and sometimes failed challans due to portal timeouts. With UPI and card payments now live, GST payments behave more like everyday digital transactions, instant, traceable, and available round the clock.

Which Banks Support GST Payment via UPI, Credit Card & Debit Card?

As of the latest GSTN advisory, 17 banks are integrated for card and UPI-based GST payments. However, not every bank supports every mode but some allow only UPI, some only debit cards, and others support the full combination.

A quick thing worth noting: even if your own bank account is with a lender not listed above, you can usually still pay using a credit or debit card issued by any bank, as long as you route the transaction through one of the enabled payment-gateway banks (like Kotak Mahindra Bank, which has supported cross-bank cards since the facility first launched).

States and UTs Where the Facility Is Currently Active

The rollout has been phased since January 2024, and coverage has grown steadily. As of the latest update, the facility is functional in the following 29 states and union territories, with full pan-India coverage expected soon.

If your state isn't listed yet, you can still fall back on net banking, NEFT/RTGS, or an over-the-counter challan at an authorised bank branch . GSTN has indicated remaining states will be added in phases.

Step-by-Step: How to Pay GST Using UPI or Card

Here's the simplest way to complete a GST payment using these new modes on the official portal.

For UPI, you'll typically get a payment request on your chosen app that needs to be approved within a short window,  usually around 5 minutes - before the session expires.

Things to Check Before You Pay

1.) Confirm your bank appears in the current list for your specific state, since coverage isn't uniform everywhere yet.

2.) Keep the generated Challan Identification Number (CIN) safe as proof of payment.

3.) Card payments are accepted from RuPay, Visa, MasterCard, and Diners Club — issued by any Indian bank, not just the listed ones, when routed through an enabled gateway bank.

4.) UPI payments must be authorised quickly; delays can cause the session to time out and require restarting the challan.

Frequently Asked Questions

1. Can I pay GST using any bank's credit card? 

Yes. Even if your card isn't from one of the 11 banks offering direct credit/debit card support, you can generally use it through a gateway bank like Kotak Mahindra Bank, since card payments there work irrespective of the issuing bank.

2. Is there an extra GST or tax charged for paying via UPI or card? 

No additional GST is levied for choosing UPI or card as your payment mode. You only pay the tax amount due; any transaction charges, if applicable, depend on your bank's own payment gateway policies, not on GST law itself.

3. Which banks support UPI-only GST payments? 

Indian Bank, Dhanlaxmi Bank, Karnataka Bank, Karur Vysya Bank, and South Indian Bank currently offer UPI-only GST payment support, without credit or debit card options.

4. What happens if my state isn't covered yet? 

You can still pay GST through net banking, NEFT/RTGS, or by visiting an authorised bank branch for an over-the-counter payment, until UPI/card facility reaches your state.

5. Is the GST card/UPI payment facility safe? 

Yes. It runs through the official GST portal (www.gst.gov.in) and uses standard OTP/UPI-PIN authentication, the same security layer used for any regulated digital payment in India.

6. How long does a GST UPI payment stay valid before it expires? 

The UPI payment request generally needs to be approved within about 5 minutes, after which the session may expire and you'll need to generate a fresh challan.

7. Do I get instant confirmation after paying via card or UPI? 

Yes, one of the biggest advantages of this method over NEFT/RTGS is real-time challan confirmation, so you don't have to wait for bank processing cycles.

Conclusion

The expansion of UPI and card-based GST payments is a genuinely useful shift for taxpayers who've long depended on net banking or physical bank visits. With 17 banks and 29 states now live, chances are your bank and region are already covered — and if not, the rollout is expected to reach the rest of India soon. Before your next GST payment due date, it's worth checking the current list on the GST portal directly, since bank and state coverage continues to be updated periodically.

This article reflects the GSTN advisory current as of the latest portal update. For the most current bank and state list, always cross-check on www.gst.gov.in before making a payment.

Author Bio

Harshita Saini is an SEO Executive at LegalDev, where she leads SEO and content strategy for gstfilling.co. She researches the latest GST notifications, tax reforms, and compliance updates to create accurate, search-driven content for businesses across India.
Her expertise lies in simplifying complex GST laws into easy-to-understand guides, helping entrepreneurs, startups, and taxpayers stay compliant, avoid penalties, and make informed tax decisions with confidence.