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Axis Bank
Google Pay Flex Axis Bank Credit Card
RuPay
Google Pay Flex Axis Bank Credit Card
Google Pay's first India-issued credit card, co-branded with Axis Bank on RuPay so it links directly to UPI for QR and app payments. It's a lifetime-free, digital-only card aimed at everyday UPI spenders rather than a rewards-heavy travel product. Applications and card management happen entirely inside the Google Pay app.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
1% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Earn 'Stars' worth ₹1 each on every Flex transaction, redeemable instantly on the very next purchase inside the Google Pay app.
- Zero joining and annual fee for life; issued entirely digitally within the Google Pay app in minutes.
Pros
- + Zero joining and annual fee
- + Instant digital issuance inside Google Pay
- + Works natively over UPI at any QR merchant
- + Rewards redeemable on the very next transaction
Cons
- − Only available through the Google Pay app, no physical card by default
- − Flat, modest reward rate with no bonus categories
- − Limited premium travel or lounge benefits
Best for