So if I understand correctly, GPay is identical to using the actual card for non-contact payments. If a card won't work, GPay won't work either. If so, there's no compelling reason not to use the physical cards.
Originally Posted by
Bandicoot
If you're left with some rupees at the end of your trip, you can keep some as a souvenir or for your next trip (but beware there is a limit on how much cash in rupees can be taken out of India), or give them to a friend, or blow them all in food and duty-free stuff at the airport.
You can also exchange the leftover Rs at a currency exchange window. You'll lose some money in fees and/or bad exchange rate, of course. In the old days they would need to see your ATM receipts to make sure you weren't taking out more than you brought in, but these days the allowed maximum is high enough that it is not a problem in most cases.