Linking the card to the phone Xiaomi Redmi Note 10S: a complete guide with photos and tips

Xiaomi Redmi Note 10S is a popular contactless smartphone, but many users have difficulty first pegging a bank card. Unlike Xiaomi’s flagship models, there is no Mi Pay preinstalled in some regions, and NFC settings are hidden deep in the menu. This article will help you figure out how to add a card correctly through Google Pay, Mi Pay (if available) or a banking application, and avoid typical payment errors.

We'll look at all the current binding methods, from standard ones (via Google Wallet) to alternative ones (for example, for Mir cards or local banks), and we'll focus on security settings: how to enable fingerprint authentication, why the phone may not see the card when paying, and what to do if the system requires a firmware update. At the end, we'll focus on the FAQ with answers to frequent questions and the compatibility table of banks.

1.Phone Preparation: Verification of NFC and MIUI Version

Before you tie the card, make sure your Redmi Note 10S is technically ready for contactless payments.

• 📱 Version. MIUI at least 12.5 (older firmware may not have drivers) NFC).
• 🔄 Security updates installed (check in Settings) → The phone. → Updating the system).
• 📶 The firmware region should coincide with the region of the bank card (for example, for Sberbank cards you need Russian or global firmware).
• 🔒 Screen lock set up (PIN, Fingerprint or pattern lock – required for payments).

To check the job NFC-chip:

1. Open Settings → Connections and Sharing → NFC.
2. Turn on the NFC switch and make sure contactless payments appear below.
3. If there is no item, your firmware does not support payments (the solution is to change the region or update via Fastboot).

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If the NFC menu doesn’t have contactless payments, try resetting the network settings: Settings → System → Settings Reset → Resetting Wi-Fi, mobile network and Bluetooth settings. This often solves the driver problem.

Important: Redmi Note 10S with firmware for India (IN) or China (CN) does not support Google Pay and Mi Pay for Russian banks. To link the card, you will need to reflash the device on the global (Global) or Russian (RU) version of MIUI.

2. Method 1: Linking the card via Google Pay (Google Wallet)

Google Pay (now Google Wallet) is the most versatile way for the Redmi Note 10S, working with most banks (including Tinkoff, Alfa Bank, VTB).

1. Download Google Wallet from the Play Market.
2. Open the application and click Add Card → Payment card.
3. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
4. Confirm the binding via SMS or push notification from the bank.
5. Install an unlock method for payments (fingerprint is recommended).

After adding the card will appear in the Payments section to pay:

• Unlock the phone.
• Bring it to the terminal (no need to open the application).
• Confirm the payment with a fingerprint or PIN-code.

HFC is included in the settings

Map added to Google Wallet as "Main"

The terminal supports contactless payments (icon) 🌐 or 📱)

The balance on the card is sufficient for payment-->

⚠️ Note: If the terminal gives an error when paying, "Card is not supported", check: Is root or custom Recovery installed (for example, if you have a root or custom Recovery installed, TWRP) — This blocks payments. Is the debugging mode on? USB. Is it not being used? VPN Proxies (some banks block payments if they suspect a change in location).

Method 2: Tied via Mi Pay (if available)

Mi Pay is Xiaomi’s branded contactless payment service, but it doesn’t work in all regions. It’s not officially supported in Russia, but some users manage to activate it through a change in the firmware region. If you have global firmware (e.g. MIUI Global 13/14), try:

1. Open Settings → Applications → Application Management.
2. Find Mi Pay in the list and click Enable (if disabled).
3. Launch the app and follow the instructions for adding the card.

If Mi Pay is not on the menu:

• 🔧 Install. APK-Mi Pay file manually (version must match your firmware).
• 🌍 Change your phone region to India or China via Settings → Additionally. → Region (risky - some services may stop working).

The advantages of Mi Pay over Google Pay:

Method 3: Binding through a banking application

Some banks (e.g. Sberbank, Gazprombank) allow you to link the card to the phone directly in your mobile application.

• 🏦 Your bank does not support Google Pay.
• 📱 You prefer to manage cards in one application.
• 🔄 You need additional features (such as cashback or virtual cards).

Instructions on the example of Sberbank Online:

1. Open the app and go to the Maps section.
2. Select the card you want and click Add to Google Pay (or similar).
3. Follow the instructions – the system will redirect you to Google Wallet to complete the binding.

For maps, World:

• Use the bank application (for example, World Pei or SBP).
• In Google Pay, no Mir cards are added (payment system restriction).

Google Pay (Google Wallet)

Mi Pay (if available)

Banking application (Sberbank, Tinkoff, etc.)

Another way.-->

5. Security setting: print, PIN and lock

Once the card is tied, set up additional protection to avoid fraud:

• 🔐 Fingerprint: Add at least 2 fingerprints (for reliability) to Settings → Passwords and security → Fingerprint.
• 🔢 PIN-Payment Code: Set a separate code PIN to confirm payments (not matching with unlocking the phone).
• 🚫 Blocking in case of loss: Enable Settings → Google → Security → Find a device to remotely block cards when stolen.
• 🔄 Delete Data: Set up automatic phone erasure after 10 failed password attempts.

If the phone is stolen:

1. Block the card through the bank application or by the number on the back side.
2. Remove your device from Google Pay (Settings → Security → Devices).
3. Change your passwords from Mi Account and Google.

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Never store a card's photos in a phone gallery - even if they're encrypted - and scammers can recover them through vulnerabilities in cloud services.

⚠️ Note: If you use the second one SIM-card for work, disable access to it SMS — This will prevent interception of one-time passwords from the bank through vulnerabilities in the protocol. SS7.

6. Solving typical card binding errors

When you add a card, you may have errors, and let's look at the most common ways to fix them:

If the card is added but does not work when paying:

• 🔋 Check the battery power at a level below 5% NFC may be off.
• 📶 Make sure the terminal supports contactless payments (icon) 📶 or 🌐).
• 🔄 Reboot your phone – sometimes the driver NFC "hanging".

7. Alternative methods of payment by phone

If you can’t link the card, consider alternatives:

• 💳 Virtual Cards: Some banks (like Tinkoff) allow you to create a virtual card for Google Pay, even if the main card is not supported.
• 📱 Samsung Pay: If you have a Galaxy Watch or another Samsung gadget, you can tie the card to it.
• 🏦 QR-codes: many banks (for example, Sberbank, Alfa-Bank) support payment by QR via the app.
• 🔄 Apple Pay: if you have an iPhone in your family, you can link the card to it and use it to pay for it.

For cards World the only working option today is payment through SBP (System of fast payments) or a banking application with support for MIR Pay.

FAQ: Frequent questions about linking the card to Xiaomi Redmi Note 10S