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Credit Cards · India

Google Pay Flex Axis Bank Credit Card

Updated 5 Jul 2026Source-linked

The Google Pay Flex Axis Bank Credit Card is a entry co-branded credit card from Axis Bank and Google Pay, with a joining fee of ₹0 + GST.

It earns up to 2 pts per ₹500 (≈0.4% value) on Google Pay spends in the form of stars (points).

Welcome benefit: Rs 250 gift card and 250 stars on the Google Pay app (welcome rewards worth Rs 500).

Axis Bank logo
Google Pay Flex Axis Bank Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForCo-brand rewards
  • Reward TypeStars (points)
Rewards Rate
  • 2 pts per ₹500 on 2x spend active
  • Base 0.18% on other spends
Welcome Benefits
  • Rs 250 gift card and 250 stars on the Google Pay app (welcome rewards worth Rs 500)
Data verified 5 Jul 2026 — see our methodology
Axis Bank logoAxisRuPay logoentryLifetime freeCo-brand · Google Pay
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Rewards and Benefits

Rewards Rate
2 pts per ₹500 on 2x spend active
Base 0.18% on other spends.
Reward Redemption
Google Pay: 1 Star = Rs 1. Redeem stars instantly on the Google Pay app for cashback while paying.
Welcome Benefits
Rs 250 gift card and 250 stars on the Google Pay app (welcome rewards worth Rs 500)
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹27/mo
  • Groceries₹8,000 · 0.2% = ₹14/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹14/mo
  • Fuel₹4,000 · 0.2% = ₹7/mo
  • Travel & hotels₹10,000 · 0.2% = ₹18/mo
  • Utilities & bills₹5,000 · 0.2% = ₹9/mo
Est.net rewards for this spend, realistic
₹1,080/yr

₹1,080 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by Axis Bank and Google Pay.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • Rs 250 gift card and 250 stars on the Google Pay app (welcome rewards worth Rs 500)
    Earn 2 stars on eligible spends of Rs 500 in the first rewards cycle

Accelerated rewards

  • 2 pts per ₹500 on 2x spend active
    Accelerated Stars: 2 Stars per cumulative Rs 500 spent (i.e. 2X). Applied in the joining reward cycle, and in subsequent cycles if the account was Spend Active (net spends >= Rs 100) in the previous reward cycle. Applied at account level.
Capping rules
  • Maximum 1,500 Stars per reward cycle, of which a maximum of 750 Stars are awarded by Axis Bank (remainder via Google Pay 4X/8X promotional campaigns).

Exclusions

The following spend categories earn no rewards on this card:

  • wallet loads
  • rent
  • government
  • insurance premiums
  • education
  • cash advance
  • jewellery

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Criteria indicative. Apply via the 'Money' tab -> 'Flex by Google Pay' section on the Google Pay app.

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