Google Pay Flex SBI Card
- Updated On: 4 August, 2026
The Google Pay Flex SBI Card is a co-branded credit card offered by SBI Card and Google Pay for people who prefer quick, hassle-free payments through Google Pay. It combines the convenience of UPI with the benefits of a credit card, allowing you to make payments online and at merchants with ease. The card comes with a joining and annual fee of ₹499 + GST, while offering features such as flexible repayment options, seamless card management within the Google Pay app, and the ability to convert eligible purchases into EMIs. It also rewards users with “Stars”, Google Pay’s reward currency, on transactions. Customers can earn up to 8 Stars for every cumulative ₹500 spent, on spending ₹100 or more in the previous billing cycle.
Google Pay Flex SBI Card
( 4.2 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Stars for Every ₹500 Spent on Spending ₹100 or More in the Previous Billing Cycle, 1 Star Every ₹500 Spent
Welcome Benefits
₹250 Gift Card and 250 Stars on Google Pay App (RuPay Variant), 500 Stars on Google Pay (Visa Variant), and an Additional 500 Stars on Google Pay When You Pay the Joining Fee Through the Google Pay App
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
2 Stars for Every ₹500 Spent on Spending ₹100 or More in the Previous Billing Cycle, 1 Star Every ₹500 Spent
Reward Redemption
Redeem Stars for Payments Via Google Pay; 1 Star = ₹1
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Fee Waived Off on Annual Spends of ₹1 Lakh or More
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver
Cash Advance Charges
2.5% or ₹500
Product Details
- Comes with a joining fee of ₹499 + GST and an annual fee of ₹499 + GST.
- One Star is worth ₹1 and can be redeemed through the Google Pay app.
- Cardholders can earn up to 8 Google Pay Stars for every ₹500 spent after achieving the spending milestone.
- The maximum reward that can be earned in a reward cycle is 1,500 Google Pay Stars.
- Eligible purchases can be converted into easy monthly installments through the EMI facility.
- The card can be managed conveniently through the Google Pay app.
Pros/Cons
Pros
- Offers accelerated rewards through milestone spending, allowing cardholders to earn up to 8 Google Pay Stars for every ₹500 spent, with each Star worth ₹1 and redeemable directly through the Google Pay app.
Cons
The card is not a great choice for low spenders, as it charges an annual fee of ₹499 + GST while the best reward rates are available only after meeting higher monthly spending thresholds.
Welcome Benefits
When you apply for the Google Pay Flex SBI Card (RuPay Variant), you will receive a ₹250 Gift Card and 250 Google Pay Stars as a welcome benefit. If you choose the Google Pay Flex SBI Card (Visa Variant), you will receive 500 Google Pay Stars as your welcome benefit. In addition, if you pay the card’s joining fee through the Google Pay app, you will earn 500 extra Google Pay Stars.
Reward Rate
- Receive 2 Stars for every ₹500 spent cumulatively on eligible transactions, provided you have spent ₹100 or more in the previous billing cycle.
- Earn 1 Star for every ₹500 spent cumulatively on eligible transactions.
- The cardholder can earn a maximum of 1500 Stars in a reward cycle.
- 1 Star = ₹1
Milestone Benefits
The Google Pay Flex SBI Card offers higher rewards as your spending increases during a billing cycle. If you are earning 1 Star for every ₹500 spent, your reward rate increases to 2 Stars after spending more than ₹15,000 in a billing cycle and to 4 Stars after spending more than ₹30,000. Similarly, if you are already earning 2 Stars for every ₹500 spent, your reward rate increases to 4 Stars after spending more than ₹15,000 and to 8 Stars after spending more than ₹30,000 in the same billing cycle.
Google Pay Flex Axis Bank vs Google Pay Flex SBI Card: Feature Comparison
While the Google Pay Flex SBI Card offers attractive rewards and milestone benefits, users looking for a Google Pay co-branded credit card may also consider the Google Pay Flex Axis Bank Credit Card. The table below compares the key features of both cards to help you choose the one that best suits your spending needs.
| Feature | Google Pay Flex Axis Bank Credit Card | Google Pay Flex SBI Card |
| Joining Fee/Annual Fee | Lifetime Free | ₹499 + GST |
| Welcome Benefits | ₹250 Gift Card and 250 Stars on the Google Pay App | ₹250 Gift Card and 250 Stars on Google Pay App (RuPay Variant), 500 Stars on Google Pay (Visa Variant), and an Additional 500 Stars on Google Pay When You Pay the Joining Fee Through the Google Pay App |
| Reward Rate | 1 Star Per ₹500 Spent |
|
| Milestone Rewards |
|
|
| Reward Redemption |
|
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Bottom Line
The Google Pay Flex SBI Card is a good choice for people who use Google Pay regularly and spend a decent amount every month. It offers simple rewards where 1 Star = ₹1, and the reward rate increases as your monthly spending grows, making it more beneficial for high spenders. The welcome benefits are attractive, and managing the card through the Google Pay app is easy. However, the ₹499 + GST annual fee may not be worth paying if your spending is low, as the base reward rate is quite average.
This card is best suited for frequent Google Pay users who can maximize the milestone rewards, while light spenders may find better value in a lifetime free credit card.
FAQs:
What are the joining and annual fees for the Flex SBI Credit Card?
The card comes with a joining fee and annual fee of ₹499 + GST.
What is the value of 1 Star?
1 Star = ₹1, which can be redeemed through the Google Pay app.
Is there a limit on the number of Stars I can earn?
Yes, you can earn a maximum of 1,500 Google Pay Stars in a single reward cycle.
Does the card offer EMI conversion?
Yes, eligible transactions can be converted into EMIs, giving you more flexibility in managing large purchases.