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SBI Card
Google Pay Flex SBI Card
RuPay
Google Pay Flex SBI Card
SBI and Google Pay's UPI-first credit card — RuPay cardholders can pay via UPI anywhere and earn Stars that redeem at par value inside the Google Pay app, with reward tiers that scale up the more you spend in a cycle.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Earn Google Pay Stars (1 Star = ₹1) redeemable instantly via UPI or for in-app vouchers; up to ~₹18,000/year at higher spend tiers
- RuPay variant links directly to UPI for credit-card payments at any UPI QR merchant
Pros
- + Stars redeem instantly at ₹1 = 1 Star, no conversion games
- + RuPay variant works over UPI at any merchant
- + Fully managed inside the Google Pay app
Cons
- − Reward tiers require high monthly spend to hit the best rate
- − Very new product with a limited track record