State Bank of India (SBI Card) · with Google PayRuPay · VisaLast checked 11 Oct 2026
The Google Pay Flex SBI Card costs Rs 499 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.2% (1 Star per Rs 500). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
SBI CardGoogle Pay Flex SBI CardCard design not shown
Annual fee
Rs 499+ GST
Fee waived at
Rs 1,00,000annual spend
Base return
0.2%
Forex markup
3.5%
Interest
3.75%a month
Fees
Joining fee
Rs 499
Annual fee
Rs 499
Annual spend that waives the fee
Rs 1,00,000
Fee notes
Renewal fee reversed on Rs 1 lakh annual spend.
Rewards
Welcome benefitunverified
RuPay: Rs 250 gift card + 250 Stars; Visa: 500 Stars; extra 500 Stars if joining fee paid in Google Pay
Reward currency
Google Pay Stars
Base earnunverified
1 Star per Rs 500
Base returnunverified
0.2%
Point valueunverified
1 Star = Re 1 against Google Pay payments
Accelerated earnunverified
2 Stars per Rs 500 if at least Rs 100 was spent in the previous cycle; rate doubles after Rs 15,000 and again after Rs 30,000 spend in a cycle (up to 8 Stars per Rs 500)
Capsunverified
1,500 Stars per reward cycle
Reward notes
base_return_pct = 1 Star per Rs 500 x Re 1 (0.4% once the prior-cycle condition is met; up to 1.6% above Rs 30,000 in a cycle).
Travel and perks
Domestic loungeunverified
None
International loungeunverified
None
Forex markup
3.5%
Fuel surcharge waiverunverified
1% fuel surcharge waiver (limits not stated)
Charges and eligibility
Interest per month
3.75%
Late payment fee
On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)
Cash advance fee
2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one
Fine-print notes
Issuer product page is script-rendered and returned no card content to the fetcher; fees, forex, interest and penalty fields are from the issuer MITC/KFS, benefit fields from the aggregator page listed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.
Questions
What is the annual fee of the Google Pay Flex SBI Card?
Rs 499 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the Google Pay Flex SBI Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the Google Pay Flex SBI Card?
3.5% of each foreign-currency transaction, before GST.