About Google Pay Flex Axis Bank Credit Card
The Google Pay Flex Axis Bank Credit Card is designed for people who frequently use Google Pay for their daily payments. This co-branded card offers a simple reward system with multiple tiers like 2X, 4X, and 8X rewards, along with a base rate of 1 star for every Rs. 500 spent. If you spend more than Rs. 30,000 in a month, you can earn higher rewards of 8 stars per Rs. 500, helping you maximize your savings. These stars can be easily redeemed on Google Pay, where 1 star equals Rs. 1, making it useful for regular UPI users.
This lifetime free credit card also comes with welcome benefits worth Rs. 500, including a gift card and bonus stars. Along with rewards, it offers flexible repayment options, allowing you to pay the full bill or convert it into EMIs based on your needs. As an entry-level credit card, it includes basic features like EMI conversion and dining discounts through EazyDiner. Overall, it is a good choice for users who prefer simple rewards and mostly make payments through Google Pay.
Google Pay Flex Axis Bank Credit Card Rewards Program
Reward Earning
- Earn 1 star for every Rs. 500 spent
- Get 2X stars (2 stars per Rs. 500) in the current cycle when you spend at least Rs. 100 in the previous cycle
- Earn 4X stars (4 stars per Rs. 500) when you are already at 2X and spend above Rs. 15,000 in the same cycle
- Earn 8X stars (8 stars per Rs. 500) when you are already at 2X and spend above Rs. 30,000 in the same cycle
Reward Redemption
- Redeem earned stars on UPI payments via Google Pay using this card
- 1 star = Rs. 1
Other Features and Benefits
Welcome Benefits
- Earn 2 stars for every Rs. 500 spent in the first month
- Get a gift card worth Rs. 250 along with 250 bonus stars on Google Pay
Flexible Repayment Options
- Choose to pay the full outstanding amount or convert it into EMIs based on your bill amount and eligibility
Dining Benefit
- Enjoy up to 15% discount (maximum Rs. 500 per month) on dining via EazyDiner
EMI Conversion
- Convert transactions of Rs. 2,500 or more into easy EMIs
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. (55.54% p.a.) |
| Late Payment Charges | | For Statement Balance: | | | Less than Rs. 500 | Nil | | From Rs. 501 to Rs. 5,000 | Rs. 500 | | From Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Greater than Rs. 10,000 | Rs. 1,200 |
|
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Document Required For Google Pay Flex Axis Bank Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Google Pay Flex Axis Bank Credit Card Highlights
What do we like about this card?
- Earn 2X, 4X, and up to 8X stars based on your monthly spending, helping you maximize rewards
- Redeem stars on UPI payments via Google Pay at a value of 1 star = Rs. 1
- Get welcome benefits including 2 stars per Rs. 500 in the first month, a Rs. 250 gift card, and 250 bonus stars
- Enjoy flexible repayment options with the choice to pay the full bill or convert it into EMIs
- Get up to 15% discount on dining (up to Rs. 500 per month) via EazyDiner
- Convert transactions of Rs. 2,500 or more into easy EMIs
Things to Know Before you apply
Get this card if:
- You can spend up to Rs. 30,000 in a month to maximize reward benefits
- You prefer to make UPI payments through Google Pay
- You want the flexibility to pay the full bill or convert spends into EMIs directly via Google Pay
- You are looking for a lifetime free credit card with basic benefits on everyday online spends
Pros
- Earn up to 8X rewards on spends
- Redeem rewards against UPI payments via Google Pay at a 1:1 ratio
- No joining or annual fees
- Flexible repayment options for monthly bill payments
- Welcome benefits worth Rs. 500
Cons
- Reward redemption is limited to Google Pay
- No travel or lifestyle benefits like complimentary lounge access
- Monthly spend-based reward structure can be complex
- Low base reward rate of 1 star per Rs. 500 spent
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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Frequently Asked Questions
You can redeem your earned stars directly on UPI payments via Google Pay, where 1 star = Rs. 1, making it easy to save on daily transactions.
This card allows you to either pay your full bill or convert eligible spends into EMIs directly within the Google Pay app, based on your bill amount and eligibility.
No, rewards are not applicable on certain categories like rent payments, wallet loads, cash withdrawals, insurance, education, government payments, and similar transactions.
No, this card does not provide airport lounge access or premium travel perks, as it is mainly focused on everyday digital spends.
No, this entry-level credit card does not offer a fuel surcharge waiver. However, you can still earn rewards on fuel spends and redeem them via Google Pay.
