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Google Pay Flex Axis Bank Credit Card

UPI payments are huge in India right now. To stay ahead of the competition, several popular UPI platforms have started launching co-branded credit cards. PhonePe, for example, already offers co-branded cards with SBI and HDFC Bank. With this trend picking up fast, it’s safe to say that many more UPI-based credit cards are likely to be launched in the future.

Axis Bank and Google Pay have now joined hands to launch the new RuPay Flex Credit Card. This card offers rewards on payments made through Google Pay, including everyday UPI transactions. Since Google Pay is one of the most widely used UPI platforms in India, this co-branded card further strengthens its ecosystem. Cardholders earn Stars on UPI spends, which can later be used on Google Pay for payments, giving it a cashback-like feel.

The Google Pay Axis Flex Credit Card is a lifetime free card, meaning there are no joining or annual charges. It is best suited for users who frequently make UPI payments. Even though it is a free card, it still offers welcome benefits worth ₹500, which makes it an attractive option for regular Google Pay users.

Google Pay Flex Axis Bank Credit Card

( 4.3 / 5 )
Google Pay Flex Axis Bank Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForUPI
  • Reward TypeReward Points

Rewards Rate

1 Star/₹500 Spent (0.2%)

Welcome Benefits

₹250 Gift Card and 250 Stars on the Google Pay App

Movie & Dining

15% Off Up to ₹500 Via EazyDiner

Rewards Rate

1 Star/₹500 Spent (0.2%)

Reward Redemption

Redeem Stars for Payments Via Google Pay

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.75% (Annually – 55.55%)

    Fuel Surcharge Waiver

    N/A

    Cash Advance Charges

    2.5% (Minimum ₹500)

    • Google Pay Flex Axis Bank Credit Card is a co-branded offering.
    • This card comes on the RuPay network and can be used to make UPI payments.
    • There are zero annual or joining charges with this card.
    • Cardholders shall earn Rewards in the form of Stars with this card, which can be redeemed while making payments with Google Pay.

    Pros

    • Even though this is a lifetime free offering, there are welcome benefits worth ₹500 with this card.

    Cons

    • The reward structure of this card is quite confusing, even involving several promotional offers that are subject to change.

  • Welcome Benefits

    Cardholders shall be given a ₹250 Gift Card and 250 Stars on the Google Pay App as a Welcome Reward, subject to offers run by Google Pay.

    Reward Earnings

    • Earn 1 Star for every ₹500 spent on eligible categories.
    • In the first reward cycle, cardholders earn 2 Stars for every ₹500 spent on eligible transactions. The rewards are calculated at the account level, not per individual card.
    • In subsequent reward cycles, cardholders will continue to earn 2 Stars for every ₹500 spent, as long as the account is active with spends in the previous cycle.
    • Cardholders can also unlock 4X rewards and earn 4 Stars for every ₹500 spent if total spends exceed ₹15,000 in the same reward cycle. Higher spends unlock 8X rewards, allowing cardholders to earn 8 Stars for every ₹500 spent on spending above ₹30,000 in a reward cycle. The 4X and 8X Star benefits are promotional offers provided directly by Google Pay and may change from time to time.
    • Stars cannot be used to pay the entire billed amount. At least ₹1 must be paid in cash, and the bill amount cannot be fully zeroed out using Stars.
    • All Stars earned are valid for 1 year from the date of issuance.

    For a clearer understanding of the reward rate, see the table below.

    Spending Rewards Rate
    Base Rewards ~0.2%
    Spend More Than ₹15,000 in the Same Reward Period ~0.8%
    Spend More Than ₹30,000 in the Same Reward Period ~1.6%

    1 Star = ₹1

    Exclusions

    The following categories shall be exempt from reward earning.

    • Rental Payments
    • Cash Withdrawals
    • Financial Institution Payments
    • Insurance
    • Educational
    • Government
    • Wallet Load
    • Clock, Jewellery, Watch & Silverware Stores

    Dining Benefit

    With the Google Pay Axis Bank Flex Credit Card, users can get up to 15% discount on dining payments made via EazyDiner. This benefit is capped at ₹500.

    Google Pay Flex Axis Bank Credit Card Features

    Bottom Line

    The Google Pay Flex Axis Bank Credit Card offers a very low reward rate of just 0.2% on regular spends made via the Google Pay app. Cardholders earn 1 Star for every ₹500 spent, where 1 Star equals ₹1. While the card does reward all eligible spends, its returns are quite modest and fall short when compared to other options in the market, including the popular Axis Bank SuperMoney RuPay Credit Card.

    Even when the accelerated Reward Rate is taken into account, the card disappoints.

    Apart from rewards on UPI spends, this card offers no features or benefits to cardholders.

    FAQs:

    Yes, this is a lifetime free offering which comes with zero joining and annual charges.

    Except for a 15% discount on EazyDiner, there are no lifestyle benefits associated with this card.

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