MyFinCards
Google Pay Flex Axis Bank Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Rewards
Cashback
Best For: Google Pay users, UPI spenders at offline and online merchants, First-time credit card users

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

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Passport
Driving Licence
Voter ID Card
Aadhaar Card

ADDRESS Proof

Passport
Driving Licence
Voter ID Card
Aadhaar Card
Electricity Bill
Landline Telephone Bill

INCOME Proof

Latest payslip
Bank statement
Form 16
IT return copy
Official Terms & Conditions

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.

Expert Review

Our Verdict

UPI-first credit card on Google Pay earning Stars redeemable as instant cashback with no joining or annual fee.

Frequently Asked QuestionsAbout Google Pay Flex Axis Bank Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Google Pay Flex Axis Bank Credit Card?
To apply for the Google Pay Flex Axis Bank Credit Card, the primary cardholder must be between 18 and 70 years of age and must be a resident of India. Please note that these criteria are only indicative, and Axis Bank reserves the right to approve or decline applications at its discretion. There is no minimum income requirement publicly stated for this card.
FEESWhat are the joining and annual fees for the Google Pay Flex Axis Bank Credit Card?
The Google Pay Flex Axis Bank Credit Card comes with no joining fee and no annual fee — both are completely waived. This makes it a zero-cost credit card, ideal for users who want to enjoy rewards and UPI-based payments without worrying about recurring card maintenance charges. There is also no card replacement fee for the primary cardholder.
APPLICATIONHow do I apply for the Google Pay Flex Axis Bank Credit Card?
To apply for the Google Pay Flex Axis Bank Credit Card, go to the 'Money' tab on your Google Pay app and look for the 'Flex by Google Pay' section. The card is exclusively available through the Google Pay platform and cannot be applied for through Axis Bank's website or branch. Once approved, you get a digital card instantly.
DOCUMENTSWhat documents are required to apply for the Google Pay Flex Axis Bank Credit Card?
The documents required include a PAN card photocopy, a colour photograph, and the latest payslip, bank statement, Form 16, or IT return copy as proof of income. For residence proof, you can submit a Passport, Driving Licence, Voter ID card, or Aadhaar card. The same documents are also accepted as identity proof. Please note this list is indicative and documents required may vary on a case-to-case basis.
REWARDSHow does the rewards (Stars) system work on the Google Pay Flex Axis Bank Credit Card?
With this card, you earn Stars on all eligible spends including fuel, with no minimum transaction amount. One Star equals ₹1. You start by earning 1 star per cumulative ₹500 spent. If you spend ₹100 or more in the previous rewards cycle, you unlock 2X (2 stars per ₹500) in the next cycle. In your first reward period, you earn 2 stars per ₹500 as a welcome benefit. Stars can be redeemed instantly as cashback while making UPI payments on Google Pay.
REWARDSHow can I unlock 4X and 8X rewards on the Google Pay Flex Axis Bank Credit Card?
You can unlock 4X rewards (4 stars per cumulative ₹500 spent) if you are already at the 2X tier and spend more than ₹15,000 in the current reward period. To unlock 8X rewards (8 stars per cumulative ₹500 spent), you must be at the 2X tier and spend more than ₹30,000 in the current reward period. Please note that star earnings at 4X and 8X are offered by Google Pay directly and are part of a promotional campaign subject to change.
BENEFITSWhat is the welcome benefit on the Google Pay Flex Axis Bank Credit Card?
As a welcome benefit, new cardholders receive a ₹250 gift card and 250 Stars on the Google Pay app, totalling a welcome reward worth ₹500. Additionally, during the first rewards cycle, you earn 2 Stars per eligible ₹500 spent instead of the standard 1 star. The welcome benefit is subject to offers run by Google Pay and may vary from time to time.
BENEFITSIs there a dining benefit on the Google Pay Flex Axis Bank Credit Card?
Yes, the Google Pay Flex Axis Bank Credit Card offers up to 15% off on dining through EazyDiner, with a maximum discount of ₹500 per month. This benefit is available at EazyDiner partner restaurants. Cardholders can enjoy this discount by booking and paying through EazyDiner using their Google Pay Flex credit card. Please visit the Axis Bank website for complete terms and conditions.
USAGECan I convert my purchases into EMI using the Google Pay Flex Axis Bank Credit Card?
Yes, you can convert purchases of ₹2,500 or more into easy EMIs using the Google Pay Flex Axis Bank Credit Card. You can also choose to repay your bill in full or in EMIs depending on your bill amount and eligibility as decided by Axis Bank. Bill management, limits, and EMI options can be easily managed through the Google Pay app.
FEESWhat are the finance charges and late payment fees for this card?
The finance charges on retail purchases and cash transactions are 3.75% per month, which equals 55.54% per annum. For late payment fees: no fee is charged if the total payment due is less than ₹500; ₹500 is charged for dues between ₹501–₹5,000; ₹750 for dues between ₹5,001–₹10,000; and ₹1,200 for dues exceeding ₹10,000. It is advisable to pay your bill on time to avoid these high charges.
INTERNATIONALWhat is the foreign currency transaction fee on the Google Pay Flex Axis Bank Credit Card?
The Google Pay Flex Axis Bank Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value. Additionally, a dynamic currency conversion markup of 1.5% plus applicable taxes is charged on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign country. GST will be applied as per existing government norms.
FEESAre there any charges for rental transactions on this card?
Yes, a 1% fee per transaction is applicable on each rental transaction made using the Google Pay Flex Axis Bank Credit Card. Applicable taxes as notified by the Government of India will also be charged on top of this fee. It is advisable to factor in this surcharge when using the card for rent payments.
USAGEHow do I redeem Stars earned on the Google Pay Flex Axis Bank Credit Card?
Stars earned on the Google Pay Flex Axis Bank Credit Card can be redeemed instantly as cashback while making UPI payments through the Google Pay app. Simply select the option to redeem Stars at the time of payment — no minimum redemption amount or reward redemption fee is applicable. Since one Star equals ₹1, your Stars translate directly into cashback value on your card.
USAGEWhere can I use the Google Pay Flex Axis Bank Credit Card?
The Google Pay Flex Axis Bank Credit Card is a UPI-first credit card, which means you can use it anywhere UPI is accepted — from your neighbourhood kirana store to popular online apps and platforms. It functions just like a regular UPI payment, making it versatile for everyday purchases of any size. There is no minimum transaction amount required to earn Stars, so every rupee spent counts.
CANCELLATIONHow can I cancel or close my Google Pay Flex Axis Bank Credit Card?
To cancel or close your Google Pay Flex Axis Bank Credit Card, you can contact Axis Bank's customer care at 1800 209 5577 or 1800 103 5577 (toll-free), or at 1860 419 5555 / 1860 500 5555 (charges applicable). You may also reach out via WhatsApp Banking by sending 'Hi' to 7036165000, or manage your card settings through the Google Pay app. It is recommended to clear all outstanding dues before initiating a cancellation request.

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