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Google Pay Flex Axis Bank Credit Card
Rewards
1st Year Fee: ₹ 0
No Fee
No joining and annual fees
Rewards
Up to 8X rewards on every spend
Dining
Up to Rs. 6,000 savings per year
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About Google Pay Flex Axis Bank Credit Card
Google Pay Flex Axis Bank Credit Card is a co-branded card designed to offer benefits around everyday online spends. The card comes with a spend-based reward structure across multiple tiers: 2X, 4X, and 8X rewards, along with a base reward rate of 1 star per Rs. 500 spent. Cardholders who spend above Rs. 30,000 in a month can maximize benefits by earning accelerated rewards of 8 stars per Rs. 500 spent. The accumulated stars can be redeemed against UPI spends via Google Pay, where 1 star = Rs. 1.
Besides rewards, this lifetime free credit card offers welcome benefits worth Rs. 500 (Rs. 250 gift card + 250 bonus stars), enhancing the card’s overall value. Another standout feature is the flexible repayment option, allowing cardholders to pay the full bill or convert it into easy EMIs. However, the approval depends on eligibility criteria and bill amount.
Apart from rewards, this entry-level credit card comes with basic benefits, such as EMI conversion and dining discount via EazyDiner. Overall, this card is an ideal option for consumers who prefer UPI payments via Google Pay.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Axis Bank’s website.
Rewards Program
Reward Earning
- 1 star for every Rs. 500 spent1
- 2X stars (2 stars for every Rs. 500 spent) in the current cycle on spending at least Rs. 100 in the previous cycle
- 4X stars (4 stars for every Rs. 500 spent), if you are already at 2X and spend more than Rs. 15,000 in the same period2
- 8X stars (8 stars for every Rs. 500 spent), if you are already at 2X and spend more than Rs. 30,000 in the same period2
Reward Redemption
- Redeem stars on UPI payments via Google Pay using this card at a value of 1 star = Rs. 1
Other Features & Benefits
Welcome Benefits
- 2 stars for every Rs. 500 spent in the first month
- Gift card worth Rs. 250 and bonus 250 stars on Google Pay1
Flexible Repayment Options
- Choose your repayment option, pay the full outstanding amount or opt for EMI, subject to your bill amount and eligibility
Dining Benefit
- Up to 15% off (Max. Rs. 500 per month) on dining via EazyDiner
EMI Conversion
- Convert spends of Rs. 2,500 and more into easy EMIs
Google Pay Flex Axis Bank Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||
| Annual Fee | Nil | ||||||||||
| Finance Charges | 3.75% p.m. (55.54% p.a.) | ||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You prefer to make UPI payments through Google Pay
You are looking for a lifetime free credit card with basic benefits on everyday online spends
You want the choice to pay full bill or convert spends into EMIs directly via Google Pay
You can spend up to Rs. 30,000 in a month to maximize reward benefits
Other Similar Credit Cards
Paisabazaar Review
What do we like about this card?
This credit card is a suitable option for consumers who prefer to make day-to-day spends through Google Pay. Cardholders can earn up to 8X rewards on their spends and redeem them on UPI payments via Google Pay at a 1:1 ratio, making it a preferable option for online spenders. Additionally, with no joining fee, it offers welcome benefits worth Rs. 500 via gift card and bonus rewards. One of the standout features of this card is its flexible repayment options, where consumers can choose either to pay the full amount or convert it into EMI based on the bill value and eligibility.
Pros
- No joining and annual fees
- Welcome benefits worth Rs. 500
- Up to 8X rewards on every spend
- Redemption of rewards against UPI spends at a 1:1 ratio
- Flexible repayment options for monthly bill payments
Cons
- Low base reward rate of 1 star per Rs. 500 spent
- Complicated monthly spend-based reward structure
- Reward redemption is only limited to Google Pay app
- No travel & lifestyle benefits, such as complimentary lounge visits
Conclusion
While Google Pay Flex Axis Bank Credit Card offers a decent redemption value of 1 RP = Rs. 1, its reward earning structure is complicated. Only cardholders who spend above Rs. 30,000 every month can maximize reward benefits. Additionally, the base reward rate is too low at 0.2% (1 star per Rs. 500 spent). Overall, this credit card is a suitable option for consumers who prefer to spend via UPI. However, cardholders need spend strategically to maximize the overall value and reward benefits.
Frequently Asked Questions
Everything you need to know about this credit card
You can apply online through the Google Pay app. The application is paperless, and once approved, your card will be linked directly within the app for instant use.
No, this credit card does not offer reward points on select categories, including 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, clock, jewellery, watch & silverware stores.
No, this entry-level credit card does not offer fuel surcharge waiver. However, you can earn reward points on your fuel spends and redeem them against UPI spends via Google Pay.
The card allows you to either pay the full bill or convert your spends into easy EMIs directly within the Google Pay app. This option depends on your eligibility and the bill amount, offering flexibility for managing larger expenses.
No, this card does not offer complimentary airport lounge access or other premium travel perks. It focuses on everyday digital spends and rewards rather than luxury benefits.
You can redeem accumulated stars directly via Google Pay for UPI payments. Each star is equivalent to Rs. 1, allowing instant cashback redemption against your future payments.
Footnotes
- Exclusions: 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, Clock, Jewellery, Watch & Silverware stores.
- This benefit is directly offered by Google Pay and is subject to change from time to time.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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