M16S / Axis Bank / Google Pay Flex Axis Bank Credit Card
entry · rewards, cobrand, lifetime-free, upi
Google Pay Flex Axis Bank Credit Card
The Google Pay Flex Axis Bank Credit Card charges no annual fee and no joining fee. Its base return is 0.4%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.4%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free (MITC: nil/nil) |
Rewards
| Welcome benefit | Rs 250 gift card plus 250 Stars on the Google Pay app (headline 'welcome rewards worth Rs 500', subject to offers run by Google Pay); 2 Stars per Rs 500 on eligible spend in the first rewards cycle |
|---|---|
| Reward currency | Google Pay Stars |
| Base earn | 1 Star per cumulative Rs 500 on all eligible spend including fuel, no minimum transaction; 2X (2 Stars per Rs 500) in a cycle if Rs 100 or more was spent in the previous cycle |
| Base return | 0.4% |
| Point value | 1 Star = Re 1; redeemed as instant cashback while making UPI payments with this card on the Google Pay app (issuer page) |
| Accelerated earn | 4X (4 Stars per cumulative Rs 500) on spend above Rs 15,000 in the reward period and 8X (8 Stars per Rs 500) above Rs 30,000, if the cycle started at 2X. The 4X and 8X Stars are offered by Google Pay directly as a promotional campaign and can change. |
| Caps | No cap stated |
| Spends that earn nothingunverified | Rent, cash, financial institutions, insurance, education, government, wallet loads, jewellery/watch stores |
| Points expiryunverified | 1 year from issuance |
| Reward notes | base_return_pct = 2 Stars per Rs 500 at Re 1 = 0.4%, the standing rate once Rs 100 was spent in the previous cycle (0.2% at the 1X floor); both inputs are issuer-stated. Up to 1.6% on spend above Rs 30,000 a cycle while the Google Pay promotional tiers last. No reward redemption fee (issuer page). |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | None |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India. Apply in the Google Pay app (Money tab, 'Flex by Google Pay'). |
| Fine-print notes | Applied for inside Google Pay. Fees and interest from MITC; rewards from aggregator page of 4 Aug 2026. Product page read 2026-10-12 confirms earn structure, Star value, 3.5% forex and DCC, 3.75% interest. Fee cells are blank in the page text (MITC: nil). The page says Stars are earned on fuel; it does not list exclusions or Star expiry. Conflicts resolved from issuer page read 2026-10-12: base_return_pct: old 0.2 (1 Star per Rs 500, aggregator) -> 0.4, because the issuer page says the rate is 2 Stars per Rs 500 whenever Rs 100 was spent in the previous cycle |
Questions
- What is the annual fee of the Google Pay Flex Axis Bank Credit Card?
- No annual fee.
- Does the Google Pay Flex Axis Bank Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Google Pay Flex Axis Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Google Pay Flex Axis Bank Credit Card?
- Rent, cash, financial institutions, insurance, education, government, wallet loads, jewellery/watch stores