Google Pay Flex Axis Bank Credit Card

Axis Bank · Open to apply

Google Pay's lifetime-free RuPay credit card on UPI, applied for inside Google Pay. It pays Stars worth ₹1 each: from 2026-10-16 Google One members get 1.6% back, rising to 3.2% on all spend once a reward cycle crosses ₹15,000 (0.8% and 1.6% without Google One), capped at ₹1,500 of Stars a cycle.

Annual fee
Lifetime free
Joining fee
None
Base rate
Google One members: 1.6% back in Stars on spends under ₹15,000 a reward cycle, 3.2% once the cycle crosses ₹15,000: 1.6% in Stars up to ₹15,000; 3.2% in Stars above ₹15,000 (about 1.6% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No Stars on rent, cash withdrawals, financial institutions, insurance, education, government, wallet loads, jewellery, gift cards and EMI
  • No Stars on bridge, road and toll fees

Where the sources disagree

  • annual interest rate: The product page prints 3.75% a month as 55.54% a year; the MITC and KFS say 55.55% a year. The monthly rate is the same.

Terms the calculator does not value

  • The rates assume the previous reward cycle had at least ₹100 of eligible spend (else they halve) and, for the headline rate, a Google One membership of the cardholder (not available to family-group members). Most cardholders have no Google One plan, so the calculator uses the Google One rate only when the reader says they hold Google One (VIV-246).
  • Google One members also get 5% back (₹250 in Stars) once a cycle on ₹5,000 or more of UPI spend through Google Pay at Swiggy, Zomato, Zepto, Blinkit, BigBasket, Milkbasket, Jiomart, Instamart, DMart, Flipkart Minutes, Amazon Now, Swiggy Dineout and District. A milestone can count categories but not a merchant list, so it is not entered. The bills extra (₹450) is entered as a milestone, but on Google Pay payments only and with the ₹1,500 cycle cap, which includes both extras, not applied to milestones.
  • The promotion runs 2026-10-16 to 2027-10-15 and can be extended or withdrawn by Google Pay and Axis; after it the old structure (0.4% and 0.8%) or another one may apply. Stars are awarded by Google Pay under the promotion, with at most 750 Stars a cycle from Axis.
  • The page's welcome reward (₹1,750 in Stars and a ₹250 gift card, "subject to offers run by Google Pay") has no stated condition and the page header says "worth ₹2000" and the listing "worth ₹500"; it is entered without a value.

Sources

Compare this card · Find the best card for your spending