Google Pay Flex Axis Bank Credit Card
Axis Bank
Annual Fee
₹1,000
Joining Fee
Lifetime Free
Base Reward
0.2% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Waived on ₹1L annual spend
Interest Rate
3.75% per month
Welcome Benefits
₹250 Gift Card and 250 Stars on the Google Pay App
Product Highlights
- Lifetime free card
- Earn Stars on UPI spends
- Earn 5% CashBack on online shopping
- 1% CashBack on all other spends
Rewards
Earn 1 Star for every ₹500 spent on eligible categories. In the first reward cycle, earn 2 Stars for every ₹500 spent. Unlock 4X rewards for spends exceeding ₹15,000, earning 4 Stars for every ₹500 spent. Unlock 8X rewards for spends above ₹30,000, earning 8 Stars for every ₹500 spent.
Redemption
Redeem Stars for Payments Via Google Pay
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% CashBack Online) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 5% CashBack | online |
| Flipkart | 5% CashBack | online |
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (Min ₹2L quarterly retail spend required) International: 2 per year via Priority Pass (Available from year 2 onwards) Full lounge access description
Fees & Charges
Eligibility
Min Age
21 years
Max Age
40 years
Min Income (Salaried)
₹35,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- Lifetime free offering
- Welcome benefits worth ₹500
- 5% CashBack on Amazon
- 5% CashBack on Flipkart
- 1% CashBack on all other spends
Cons
- Confusing reward structure
- Modest returns compared to other cards
- Annual fee of ₹1,000
- Limited to online merchants for higher rewards
Additional Info
Excluded Categories