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Google Pay Flex Axis Bank Credit Card
A fully digital, UPI-linked card issued instantly inside the Google Pay app with no paperwork, physical card visit, or branch process — a fit for GPay-native users who want a credit line without leaving the app. Rewards come as Stars (1 Star = ₹1) that start at a thin 1 Star per ₹500 but jump to 1.6% back (3.2% for Google One members) on all eligible spend once ₹15,000 is crossed in a cycle, so occasional or light users will find the everyday value underwhelming next to a flat-rate cashback card.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.4%
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. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: 5% back (₹250 in Stars) on ₹5,000 of UPI spend through Google Pay on top food and grocery apps such as Zomato, Blinkit and Swiggy, once per reward cycle
- Rewards rate: 0.4% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹250/monthly)
- 🧾 Utilities
15% reward rate (capped ₹450/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: Stars redeem within the Google Pay app for vouchers/statement credit; no separate redemption fee
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- Welcome rewards credited as Stars on the Google Pay app (currently advertised as ₹1,750 in Stars plus a ₹250 gift card, subject to Google Pay offers)
- 1 Star (₹1) per ₹500 spent, with 2 Stars per ₹500 unlocked in a cycle after spending ₹100 or more in the previous cycle; crossing ₹15,000 in a reward cycle earns 1.6% back in Stars on all eligible spends (3.2% for Google One members)
- Once per reward cycle: 15% back (₹450 in Stars) on ₹3,000 of bills, OTT and recharges on Google Pay, and 5% back (₹250 in Stars) on ₹5,000 of food and grocery app spends (campaign valid 16 Oct 2026 to 15 Oct 2027)
Pros
- + Instant, paperless issuance entirely inside the Google Pay app
- + 1.6% (3.2% for Google One members) back in Stars on all eligible spends once ₹15,000 is crossed in a cycle
- + Lifetime free with a Stars welcome reward
- + Cycle offers of 15% back on bills/OTT/recharges and 5% on food and grocery apps
Cons
- − Base reward rate (1 Star per ₹500, or 2 Stars with the 2X unlock) is weak below the ₹15,000 monthly spend threshold
- − Rewards are Google Pay/UPI-ecosystem-locked, not general-purpose points
- − No lounge access or travel benefits
- − The 2X base rate needs spend in the previous reward cycle and the extra cycle offers are promotional, valid to 15 Oct 2027
Best for