What is the annual fee for Google Pay Flex Axis Bank Credit Card?

The card carries no annual fee or joining fee—it's free for life. You can hold and use this card indefinitely without paying any maintenance charges.

How to apply for Google Pay Flex Axis Bank Credit Card?

Applications are processed through Google Pay and Axis Bank's digital channels. Eligible applicants can apply directly via the Google Pay app or Axis Bank's website with basic KYC details and income verification.

What rewards does Google Pay Flex Axis Bank Credit Card offer?

The card earns 0.2% rewards in Stars on eligible purchases. New cardholders receive ₹250 gift card plus 250 Stars instantly, and earn 2 additional Stars per ₹500 spent during the first reward period.

What are the eligibility criteria for Google Pay Flex Axis Bank Credit Card?

Specific eligibility criteria are not detailed here. Typically, applicants need to be Indian residents with a valid income source. Contact Axis Bank or check the Google Pay app for exact age, income, and credit score requirements.

Does Google Pay Flex Axis Bank Credit Card offer airport lounge access?

No airport lounge access is mentioned for this basic-tier card. It's designed as a straightforward rewards card for everyday digital spending rather than premium travel benefits.

Is Google Pay Flex Axis Bank Credit Card worth it?

It's worthwhile if you spend frequently on Google Pay and digital payments, since there's zero lifetime cost and you earn Stars on every transaction. The 0.2% reward rate is modest, so it works best as a supplementary card for convenience rather than high-value cashback seekers.

Credit Cards

Axis BankRuPay

Google Pay Flex Axis Bank Credit Card

Mass-MarketEntryRuPay✦ Google Pay

Google Pay Flex Axis Bank Credit Card

Digital rewards, zero annual cost

Annual feeLifetime Free

Rewards0.04%0.2 Star per ₹500

Forex markup3.5%3.50% of the transaction value

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Independent comparison platform. Not affiliated with Axis Bank. Full disclaimer

Welcome benefits

worth ₹250

₹250 gift card and 250 stars on the Google Pay app; 2 stars per ₹500 in first reward period

Type: Gift Card
Partner: Google Pay

Rewards

Base earn rate

Earn 1 star on every cumulative ₹500 spent

Stars

Category	Rate	Cap
All Spends	—	—
All Spends	—	—
All Spends	—	—
First Reward Period	—	—

• Redemption fee: ₹99

Fees & charges

Joining fee: Waived
Annual / renewal fee: Lifetime free
Add-on card fee: Free
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

Late payment

Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000

View official MITC →