Google Pay Flex Axis Bank Credit Card
A lifetime-free credit card applied for and used in the Google Pay app, earning Stars worth ₹1 each: 2 Stars per ₹500 of eligible spend for accounts that spent ₹100 in the previous reward cycle (about 0.4%), up to 750 Stars a cycle from Axis Bank. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Joining and annual fees are shown as waived on the product page and as ₹0 on the listing. | |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends, including fuel (2 Stars per ₹500 when the account spent at least ₹100 in the previous reward cycle; 1 Star per ₹500 otherwise) | 2 points per ₹500 Terms | up to 750 points a statement cycle Terms |
Stars are redeemed in the Google Pay app as instant cashback while paying by UPI with this card.
Stars accrue on cumulative spend in a reward cycle (16th to 15th). Google Pay separately runs promotional 4X and 8X Star earnings above ₹15,000 and ₹30,000 a cycle; these are not counted here. Stars expire after one year.
No rewards on
- Rent, insurance premiums, education, government payments and wallet spends (also cash, card fees, jewellery and watch stores, gift cards and tolls) Terms
Benefits
- Lounges: none on record
- Welcome: Welcome rewards worth ₹500 on Google Pay (a ₹250 gift card and 250 Stars), subject to Google Pay's offers Terms
Also on this card
Quoted from Axis Bank; not counted in the net value.
- Google Pay promotional 8X Stars (8 per ₹500) on spend above ₹30,000 in a reward cycle Product page
- Up to 15% off dining via EazyDiner, up to ₹500 a month Terms
- Pays by UPI anywhere through the Google Pay app Product page
- Purchases of ₹2,500 or more can be converted to EMI Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the card network, including whether it is a RuPay card (Axis Bank describes it as a UPI-first card that pays by UPI on Google Pay, but does not name RuPay)
- a fuel surcharge waiver
- an income requirement
Where Axis Bank’s documents differ, and what is used
- UPI: Axis Bank's pages say this card pays by UPI on Google Pay (and Stars are redeemed during UPI payments), but no page names the RuPay network, so upi_rupay is left false under the research rule; the editor may wish to set it true, since the card is used through UPI.
The quotes behind the figures
19 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining fee - Primary Card Waived Annual fee – Primary Card Waived”
“Foreign currency transaction fee 3.50% of the transaction value”
“Each Star shall carry a fixed monetary value of ₹1 (Rupee One).”
“For the subsequent reward cycles, Cardholders shall continue to earn 2 Stars for every ₹500 spent cumulatively on eligible transactions, provided the account was Spend Active in the previous reward cycle.”
“Cardholder can earn a maximum of 1500 Stars in a reward cycle, of which a maximum of 750 Stars will be awarded by Axis Bank.”
“Cardholders shall earn 1 (one) Star for every ₹500 (Rupees Five Hundred) spent cumulatively on eligible transaction categories using the Credit Card. Each Star shall carry a fixed monetary value of ₹1 (Rupee One).”
“if their net spends during that cycle are greater than or equal to ₹100 on eligible spend categories”
“Earn stars on all eligible spends (including fuel) with this card. One star is equal to ₹1”
“Excluded Spend Categories Rental payments Cash withdrawals Financial institution payments Insurance premium payments Educational institutions and services Government and Government institutions payments and fees Payment of card fees and charges Wallet spends”
“To apply for this card, please go to the ‘Money’ tab on your Google Pay app and look for the ‘Flex by Google Pay’ section”
“Get a ₹250 gift card and 250 stars on the Google Pay app as your welcome reward. This is subject to offers run by Google Pay.”
“The UPI-first credit card simplified and reimagined for India, available exclusively on the Google Pay app.”
“Welcome Rewards worth ₹500 on Google Pay*”
“Unlock 8X (8 stars for every cumulative ₹500 spent) if you start at 2X and spend more than ₹30,000 in the current reward period”
“Enjoy up to 15% off on dining via EazyDiner (up to ₹500 per month) Joining Fee: ₹0 Annual Fee: ₹0 Know More Apply Now”
“Redeem Stars while making UPI payment using this card on the Google Pay app to get instant cashback on your card”
“Convert transactions of ₹2500 or more into easy EMI”
“The primary cardholder should be between the age of 18 and 70 years.”
“The individual should be a resident of India.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology