When choosing a credit card, different users look for various factors, such as the joining fee and the benefits the card offers. While keeping users and their needs in mind, we have curated this article to help users get a clear view of which card is better for their financial goals and spending habits.
Today, we are going to compare two cards: the Google Pay Flex Credit Card and the Axis Bank SuperMoney RuPay Credit Card.
Both the Google Pay Flex Credit Card & Axis Bank SuperMoney RuPay Credit Card are issued in partnership with Axis Bank. The Google Pay Flex Credit card allows users to earn rewards called Stars, which work like points that can be collected and redeemed later, while the Axis Bank SuperMoney RuPay Credit Card is a cashback card in which cashback is directly credited to your card.
In summary, both cards have their own perks: the Google Pay Flex Credit Card rewards you with Stars, while the Axis SuperMoney RuPay Credit Card gives you cashback on your purchases.
Lifetime Free Offerings
When comparing these two cards, there isn’t much to debate in terms of fees, as both are lifetime free and come with zero joining and annual charges. Since there is no cost factor involved, the comparison mainly comes down to welcome benefits and reward rates.
Both cards are UPI-centric, making them most useful for users who make frequent UPI payments. Apart from this, there are very limited lifestyle benefits associated with these cards.
Welcome Benefits
Cardholders are often drawn to a credit card due to its various offers, and one popular incentive is the welcome benefit. These benefits are typically tailored to the customer’s needs, making them more likely to choose a specific card. Let’s compare both cards in terms of their welcome benefits.
| Google Pay Axis Flex | Axis SuperMoney RuPay |
| ₹250 worth of gift card and 250 Stars on the Google Pay app | N/A |
Rewards and Benefits
Both cards offer rewards differently; the Google Pay Flex card offers Stars, which are similar to reward points; 1 Star equals ₹1. Cardholders can earn Stars for every eligible spend. The user will receive 1 Star for every ₹500 spent, with opportunities to unlock 2X, 4X, or even 8X Stars on higher spending within a rewards cycle.
The 2X, 4X, and 8X Stars on the Axis Google Pay Flex card sound attractive at first, but they work on a conditional system.
Usually, the card gives 1 Star for every ₹500 spent, and since 1 Star equals ₹1, the cardholder earns only ₹1 back on ₹500, which is a very low return. If the cardholder meets certain conditions, the rewards multiply. For example, if the cardholder makes at least a small transaction in the previous cycle, they will unlock 2X Stars, which means ₹2 back for every ₹500 spent. To reach 4X Stars, cardholders need to spend around ₹15,000 in a month, and for 8X Stars, their spending must go beyond ₹30,000. Even then, there is a monthly cap on how many Stars one can earn, so higher spending does not always result in higher rewards.
Because of this structure, the Google Pay Flex card is not very efficient for most regular users.
On the other hand, the Axis SuperMoney RuPay Credit Card offers a simpler, more rewarding cashback system. The user earns 3% cashback on transactions made using the Axis SuperMoney Credit Card with the SuperMoney app and 1% cashback on other eligible spends, with no minimum spend or unlock conditions. This means even small, everyday payments earn decent cashback.
While Google Pay Flex’s 2X, 4X, and 8X Stars look attractive to the users, they require higher spending and careful tracking to benefit fully. For everyday UPI users who want simple and higher returns, the Axis SuperMoney Rupay Credit Card is a more affordable choice.
Users Review and Rating
The Axis SuperMoney Credit Card is a popular choice among users primarily because of its straightforward cashback structure. With a cashback rate of up to 3%, it allows cardholders to earn tangible savings on their everyday purchases. One of its standout features is that it is a lifetime free credit card, with no annual fees or hidden charges, making it an even more attractive option for those looking to maximize their savings without additional costs.
On the other hand, the Google Pay Flex Card is designed with a more targeted rewards system in mind. Cardholders can earn Stars on all eligible spend. Those who primarily use Google Pay favor the credit card.
Bottom Line
Both credit cards have their strengths, but the Axis Bank SuperMoney RuPay Credit Card is particularly appealing. It offers a higher reward rate, making it a wise choice for anyone looking to earn more from their spending. One of its standout features is the 3% cashback on UPI transactions, which is great for users who often make payments through UPI.
Additionally, there are no joining fees or annual charges, so you can enjoy the benefits without worrying about extra costs. Overall, if you want a credit card that maximizes rewards and keeps expenses low, the Axis Bank SuperMoney RuPay Credit Card is an excellent option.