Joining Fee
Free
Annual Fee
Rs. 0 + Taxes
Forex Markup
3.5% + GST
Late Payment Charges
0% of the outstanding amount · Minimum ₹500
Google Pay Flex Axis Bank Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹1
Pros
- No joining or annual fee
- UPI-first card usable at kirana stores and online
- Stars redeemable as instant cashback on Google Pay
- No minimum transaction amount for earning stars
- Up to 8X rewards on high spends
Cons
- Rewards acceleration (4X/8X) is a promotional campaign subject to change
- Rental transactions attract 1% fee
- Finance charges at 3.75% per month (55.54% p.a.) are high
- Card exclusively available on Google Pay app
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
4X and 8X star earnings are offered by Google Pay directly as a promotional campaign and subject to change
Dynamic currency conversion markup of 1.5% plus taxes on international transactions in Indian currency
1% fee on rental transactions
Key Benefits & Features
UPI-first card usable everywhere UPI is accepted; manage bills and limits from Google Pay app
Eligibility Criteria
Age Requirement
18+ Years
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Google Pay Flex Axis Bank Credit Card
The Google Pay Flex Axis Bank Credit Card is a UPI-first credit card designed exclusively for users of the Google Pay app, making it one of the most accessible and versatile credit cards in India. It allows cardholders to pay just like UPI — from neighbourhood kirana stores to popular online apps — for any purchase, big or small. The card can be obtained as a digital card instantly through the Google Pay app, with no joining or annual fees, making it an ideal choice for first-time credit card users. The card's core reward system is built around Stars, where one star equals ₹1 in cashback. Cardholders earn 1 star for every cumulative ₹500 spent, with multipliers unlocking based on spending behaviour. Spending ₹100 or more in a previous cycle unlocks 2X rewards, while spending ₹15,000 or ₹30,000 in a current period unlocks 4X or 8X stars respectively. Stars can be redeemed instantly during UPI payments on Google Pay for direct cashback. Additional benefits include welcome rewards worth ₹500 on Google Pay, up to 15% off on dining through EazyDiner (capped at ₹500 per month), and the flexibility to convert purchases of ₹2,500 or more into easy EMIs. Bill management, spending limits, and card controls are all handled conveniently within the Google Pay app.
Our Verdict
UPI-first credit card on Google Pay earning Stars redeemable as instant cashback with no joining or annual fee.
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