Google Pay Flex Axis Bank Credit Card

The Google Pay Flex credit card offered by Axis Bank is a digital-first credit card designed for individuals who prefer convenient payment options. This credit card is available exclusively through the Google Pay app and allows users to pay via UPI QR codes, online merchants, and apps while using their assigned credit limit instead of their bank balance. 

The GPay Flex credit card is built on RuPay network and offers flexible payment options through UPI along with instant rewards. Read on to learn more about it. 

Features and Benefits of Google Pay Flex Axis Bank Credit Card:

The features and benefits of Google Pay Flex Axis Bank credit card are as follows:

  • Lifetime Free Credit Card: The Google Pay Flex credit card is offered at zero joining and annual fees. This means that this is a lifetime free credit card.
  • Welcome Benefits: You get gift card worth Rs.250 and 250 bonus Stars worth Rs.250, which are credited to your Google Pay rewards section on activating your Google Pay Flex credit card. You also earn two Stars on eligible transactions of Rs.500 in the first reward cycle.
  • Accelerated Reward Stars: With Google Pay Flex credit card, you earn reward points in the form of "Stars", where 1 Star is equivalent to one rupee. You earn one Star for every cumulative Rs.500 spent. There is no minimum transaction amount for earning Star, and even fuel transactions are eligible for earning reward points. In case you spend Rs.100 or more in the previous cycle, you earn 2X Stars for every cumulative Rs.500 spent.
  • Accelerated Rewards Points: If you are currently earning 2X reward points and cross the spend-based milestone of Rs.15,000 in the current reward period, you earn 4X Stars for every cumulative Rs.500 spent. If you are currently earning 2X reward points and cross the spend-based milestone of Rs.30,000 in the current reward period, you earn 8X Stars for every cumulative Rs.500 spent. Do note that this is a promotional campaign and is subject to change at the discretion of the bank and Google Pay.
  • Dining Benefit: With this credit card, you get up to 15% off on dining, capped at Rs.500 per month, via EazyDiner at various partner restaurants across India.
  • Easy EMI Conversion: You can easily convert transactions above Rs.2,500 into EMIs.

Eligibility Criteria to Apply for Google Pay Flex Axis Bank Credit Card:

The eligibility criteria to apply for Google Pay Flex Axis Bank credit card are as follows:

  • The applicant should be at least 18 years old up to 70 years.
  • The applicant should be a resident of India.

Documents Required to Apply for Google Pay Flex Axis Bank Credit Card:

The documents required to apply for Google Pay Flex Axis Bank credit card are as follows:

  • Identity Proof: Aadhaar card, Passport, Voter ID, Driving Licence, etc.
  • Address Proof: Aadhaar card, Voter ID, Driving Licence, Passport, etc.
  • Income Proof: Bank statements, Pay slips (not more than three months old), Form 16, ITR, etc.
  • Multiple copies of passport-sized photographs.
  • PAN card.

Note: The list of documents given above is indicative and you may be requested to provide additional documents based on the bank’s internal policies and your specific case.

Fees and Charges for Google Pay Flex Axis Bank Credit Card: 

The fees and charges associated with Google Play Flex Axis Bank credit card are as follows: 

Type of Fee

Amount

Joining fee & Annual fee

Nil

Cash Payment Fee

Rs.175

Card Replacement Fee

Nil

Duplicate Statement Fee, Charge Slip Retrieval Fee, Outstation Cheque Fee, Mini Statement SMS

Waived

Transaction SMS Alert Fee

Nil

Finance Charges

3.75% per month

Late Payment Fee

Amount due less than Rs.500 - Nil

Amount due Rs.501 to Rs.5,000 - Rs.500

Amount due Rs.5,001 to Rs.10,000 - Rs.750

Amount due above Rs.10,000 - Rs.1200

Foreign Currency Transaction Fee

3.50% of the transaction amount

Reward Redemption Fee

Nil

Cheque Return Fee

2% of payment amount, subject to a minimum of Rs.500

Rent Transaction Fee

1% fee for every transaction

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

You can apply for Google Play Flex Axis Bank credit card online through the Google Pay application. The entire application process is paperless, and once your application is approved, your card will be instantly linked within the Google Pay app for immediate use.

FAQs on GPay Flex Axis Bank Credit Card

  1. Will I have to pay any joining fees for Google Pay Flex Axis Bank credit card?

    No, Google Pay Flex Axis Bank credit card is a lifetime-free credit card and there no joining or renewal fees associated with it. 

  2. Will I get any complimentary airport lounge benefits with Google Pay Flex credit card?

    No, the Google Pay Flex credit card does not offer any complimentary airport lounge benefits. 

  3. Will I receive any physical credit on applying for Google Pay Flex Axis Bank credit card?

    No, the Google Pay Flex offered by Axis Bank is a digital credit card, and you will not receive any physical credit card. 

  4. What is minimum transaction amount to opt for EMI conversions with Google Pay Flex credit card?

    The minimum transaction amount to opt for EMI conversions with Google Pay Flex credit card is Rs.2,500. 

  5. Does the Google Pay Flex credit card offer any fuel surcharge waiver benefit?

    No, the Google Pay Flex credit card does not offer any fuel surcharge waiver benefit. 

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