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Google Pay Flex SBI Card
Google Pay Flex SBI Card is a UPI-first credit card built jointly by SBI and Google Pay — RuPay cardholders can pay via UPI at any merchant and earn Stars that redeem at par value (1 Star = ₹1) directly inside the Google Pay app, with tiered rewards that scale up with monthly spend. Its appeal is simplicity and being fully managed inside an app most Indians already use daily, though as a newer product it has a shorter track record than SBI's established card lines.
Annual fee
₹499
Joining fee
₹499
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 utilities, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Earn Google Pay Stars, where 1 Star equals ₹1, redeemable instantly via UPI or for in-app vouchers, scaling up to roughly ₹18,000/year at the higher spend tiers
- RuPay variant links directly to UPI, letting cardholders pay via UPI at any QR merchant while still earning credit card rewards
Pros
- + Stars redeem instantly at ₹1 = 1 Star, with no confusing conversion tables
- + RuPay variant works over UPI at any QR merchant while still earning rewards
- + Fully managed inside the Google Pay app for tracking and redemption
- + Reward tiers scale up meaningfully at higher monthly spend
Cons
- − Reward tiers require high monthly spend to hit the best redemption rate
- − Very new product with a limited track record compared to established SBI cards
- − Standard 3.5% forex markup makes it weak for international spends