GainFairGainFairFor Every Fair Choice.
Independent card analysis

Google Pay Flex Axis Bank Credit Card

Axis Bank · RuPay · Entry card

Adds a current, no-fee Google Pay-native RuPay option for users who care more about a simple UPI experience than a high base reward rate.

Best suited to

Google Pay users seeking a lifetime-free virtual RuPay card with instant in-app reward redemption.

Authored and reviewed by GainFair
Terms checked 13 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
0.2%
Forex markup
3.5%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Online shopping
0.2%
Groceries & essentials
0.2%
Dining & delivery
0.2%
Fuel & commute
0.2%
Travel & hotels
0.2%
Bills & utilities
0.2%
Beauty & wellness
0.2%
Entertainment & movies
0.2%
Healthcare & pharmacy
0.2%
Subscriptions & streaming
0.2%
Offline store shopping
0.2%
International spending
0.2%
Other miscellaneous
0.2%
Education & family
0%
Gold & jewellery
0%
House rent
0%
Insurance premiums
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Approx. ₹15,000/month

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 3 items

  • Spend-active cycle bonus Star

    Usage-based value

    One additional Star per cumulative ₹500 when the prior reward cycle had at least ₹100 eligible net spend; the first reward cycle also receives this component.

    Conditions: One additional Star per cumulative ₹500 when the prior reward cycle had at least ₹100 eligible net spend; the first reward cycle also receives this component.

    Status: verifiedReviewed: 2026-09-22Official source ↗

  • Base Stars

    Usage-based value

    One ₹1 Star per cumulative ₹500 of eligible spend, including eligible fuel purchases.

    Status: verifiedReviewed: 2026-09-22Official source ↗

  • Two Stars per ₹500 after a qualifying spend-active prior reward cycle

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗
Fees · 1 item

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-13Official source ↗
Welcome benefits · 2 items

  • Conditional Google Pay welcome package

    Shown without a cash value

    A ₹250 gift card and 250 Stars are available under the published activation offer; no guaranteed value is assumed.

    Conditions: Complete the required Google Pay offer actions · Campaign eligibility, fulfilment and validity terms apply

    Status: verifiedReviewed: 2026-09-13Official source ↗

  • Conditional Google Pay welcome offer of a ₹250 gift card and 250 Stars

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.5% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-13Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. Published minimum monthly income: ₹15,000. Axis Bank publishes ₹15,000 as its general minimum monthly income; final Google Pay Flex eligibility is determined in the app.

    Status: verifiedReviewed: 2026-09-22Official source ↗
Other benefits · 4 items

  • Google-funded promotional 4X above ₹15,000 and 8X above ₹30,000, subject to starting at 2X and current campaign terms

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗

  • Lifetime-free Google Pay-native RuPay credit card

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗

  • One ₹1 Star per cumulative ₹500 eligible spend

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗

  • Instant Star redemption on eligible Google Pay UPI card payments

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-13Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Lifetime-free Google Pay-native RuPay credit card
  • ✓ One ₹1 Star per cumulative ₹500 eligible spend
  • ✓ Two Stars per ₹500 after a qualifying spend-active prior reward cycle
  • ✓ Instant Star redemption on eligible Google Pay UPI card payments

What to watch

The guaranteed base return is only 0.2%. The 4X and 8X tiers are changeable Google-funded promotions, and many regulated, jewellery and financial categories earn no Stars.

Recorded exclusions

Education Family · Gold Jewellery · Rent · Insurance · Cash withdrawal · Financial institution payments · Government payments · Fees charges · Wallet load · Gift cards · Transportation tolls · Emi converted transactions

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology
Similar alternatives

Compare against

These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.

IDFC FIRST Millennia Credit Card
IDFC FIRST Bank · Entry
Compare side by side →
AU Bank Zaggle Credit Card
AU Small Finance Bank · Mid
Compare side by side →
BOBCARD Uni GoldX Credit Card
BOBCARD · Mid
Compare side by side →
Terms tracker

Card change history

Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.

  1. Value reduced

    DCC charge and reward exclusions revised

    Axis Bank published the current DCC charge and expanded the list of transactions that do not earn Stars.

    Before
    The prior DCC rate and exclusion schedule applied.
    After
    DCC is 3.5% before tax and the current regulated, financial, jewellery and education exclusions apply.
    Checked 22 Sept 2026Axis Bank August 2026 card changes ↗

Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Fees, Eligibility ↗Rewards ↗Change notice ↗

Sources checked 13 Sept 2026 · Latest recorded change effective 28 Aug 2026