Google Pay Flex Axis Bank Credit Card

A fully digital, UPI-linked RuPay card issued instantly inside the Google Pay app with no paperwork — the tiered Stars structure rewards heavier monthly spenders disproportionately, so light users will find the base rate underwhelming.

Rates and fees last verified 15 July 2026.

Annual fee

₹0

Joining fee

₹0

Reward type

cashback

Base reward rate

0.4%

Card network

RuPay

Card tier

Entry

Benefits by category

🍽️ Dining & food delivery
15% reward rate (capped ₹500/monthly) · 1 Star (₹1) per ₹500 spent, rising to 4x Stars past ₹15,000 spend in a reward period and 8x Stars past ₹30,000; up to 15% off dining via EazyDiner, capped at ₹500/month
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum credit score: 700
Employment: salaried, self-employed
Age: 18–65

Benefits

₹250 gift card plus 250 bonus Stars (worth ₹250) on activation
1 Star (₹1) per ₹500 spent, rising to 4x Stars past ₹15,000 spend in a reward period and 8x Stars past ₹30,000; up to 15% off dining via EazyDiner, capped at ₹500/month

Pros

+ Instant, paperless issuance entirely inside the Google Pay app
+ Reward rate escalates sharply for spenders crossing ₹15,000–₹30,000 a month
+ Lifetime free with a modest welcome credit

Cons

− Base reward rate (1 Star per ₹500 = 0.4%) is weak below the spend thresholds
− Rewards are Google Pay/UPI-ecosystem-locked, not general-purpose points
− No lounge access or travel benefits

Apply on Axis Bank's site