No—Apple says it does not charge users a fee to pay with Apple Pay in India. Your card issuer may still apply charges under your card’s terms. If you return a purchase, the merchant decides whether it qualifies for a refund; once processed, the refund goes back to the card used and may take several days to appear.
Does Apple Pay charge a fee in India?
No. Apple’s India FAQ says it does not charge fees when you pay with Apple Pay in stores, online or in apps. Apple Pay does not change how your card works, however, and your issuer may apply its usual charges or fees. Check the terms for the specific card and transaction rather than assuming that a payment or refund makes every related charge disappear. Apple’s guidance does not establish whether an issuer will reverse interest or another separate charge after a purchase is refunded; ask the issuer about that charge. Apple’s Apple Pay FAQ for India
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What happens when you get a refund?
The merchant’s return policy determines whether it will accept the return and process a refund. Apple Pay does not guarantee that a merchant must accept one. If the merchant processes the refund, it is returned automatically to the payment card used for the purchase. Apple says it may take several days to appear on your statement; it does not promise an instant posting or give a fixed number of days. Apple’s refund instructions
What to show or provide the merchant
You can generally return an Apple Pay purchase with the receipt, although the merchant may ask for additional information, such as the last four digits of the Apple Pay card number. That number is different from the physical card number, so do not assume the last four digits printed on your card are the ones the merchant needs.
#1 Best Overall
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- Use the, easy-to-use, and customizable POS to get started.
To find the Apple Pay card number’s last four digits, open Wallet on the iPhone or Apple Watch used for the purchase, select the card, and view its card details. If the merchant needs the card itself for the refund, Apple’s instructions are to open Wallet on the device used to pay, select the card and authenticate if asked, then hold that device near the merchant’s contactless reader.
Which cards and merchants can use Apple Pay in India?
Apple announced Apple Pay’s India launch on 30 September 2026. At launch, eligible Axis Bank-issued Visa and Mastercard credit cards were supported. Apple’s supported-card listing is issuer-specific and can change, so check the current list of participating card issuers and contact your issuer if you are unsure whether your particular card is eligible.
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- Get your money as soon as the next business day.
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- Works with Apple devices with a Lightning connector.
Apple’s launch announcement listed iPhone XR or later with iOS 18 or later, and Apple Watch Series 6 or later with watchOS 11 or later, paired with iPhone XR or later. It also announced iPad support; those are launch-time requirements, so confirm current device and software compatibility with Apple. The announcement said Mac support was coming soon at launch, which is not confirmation of its current availability. Apple’s India launch announcement
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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →A compatible device and supported card are not enough on their own: the merchant must accept Apple Pay and the card’s network. Apple described millions of merchants across India as accepting Apple Pay at launch, naming examples such as Blinkit, Croma, Zomato and Apple Store locations. That was Apple’s launch description, not a precise independently audited merchant count, and acceptance can vary by outlet, website or app. Apple’s instructions for paying with Apple Pay
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- Accepts magstripe credit card payments, including those from Visa, Mastercard, Discover and American Express (fees apply).
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