Axis Bank
Google Pay Flex Axis Bank Credit Card
Annual Fee
Lifetime FreeBase Reward
0.2% cashback
Foreign Markup
3.5% + GST
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
Category Rewards
shopping
5% CashBack Online
5%
Fee Waiver
Waived on ₹1L annual spend
Merchant-Specific Rewards
Amazon
5% CashBack
Flipkart
5% CashBack
Reward Calculator
Earns ₹1,104/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
1.1K
Google Pay Flex Stars
₹1.1K
via standard
Effective rate
0.57%
Annual fee
FREE
Year 1 net
+₹1,104
Year 2+ net
+₹1,104
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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
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
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹1L annual spend