Axis Bank

Google Pay Flex Axis Bank Credit Card

Data last verified: 11 October 2026

Lifetime freeRewardsRUPAY

Joining feeFree
Annual feeFree
Reward rate0.4% on most spends

Apply on Axis Bank Is It Worth It for Me?

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining feeFree
Annual feeFree
Lifetime freeYes
Forex markup3.5%
Interest (APR)3.75% a month, 45% a year

01Google Pay Flex Axis Bank Credit Card Rewards and Benefits

Rewards rate: 0.4% on most spends
Reward redemption: Not published
Dining: 0.4% back (the normal rate)
Travel: 0.4% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02Google Pay Flex Axis Bank Credit Card Annual Fee and Charges

Joining fee: Lifetime free
Annual fee: Lifetime free
Spend-based waiver: None
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: No
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 0.4%₹80
Back each month, ₹960 a year₹80
In your pocket each year₹960

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Anyone who wants no annual fee, ever

Skip it if…

most of your spending is rent, insurance, education or wallet top-ups: those earn nothing on this card
you often pay in foreign currency: 3.5% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How Google Pay Flex Axis Bank Credit Card earns Rewards

0.4% on most spends.

Earns nothing onRentWallet loadsCash withdrawalsEMIInsuranceEducationGovernmentTollsGold and jewelleryGift cards

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	0.4%	No cap	The card's normal rate
Online shopping	0.4%	No cap	The card's normal rate
Dining and food delivery	0.4%	No cap	The card's normal rate
Groceries	0.4%	No cap	The card's normal rate
Travel: flights, hotels, trains	0.4%	No cap	The card's normal rate
Fuel	0.4%	No cap	The card's normal rate
Bills and recharges	0.4%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	Earns nothing	-	earns nothing on this card
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	0.4%	No cap	The card's normal rate
Everything else	0.4%	No cap	The card's normal rate

Listed underRewards cards

CardAdvisor tagsReward points

Terms on the base rate. Stars (each ~₹1) redeemable 1:1 on UPI in Google Pay, 1 star per ₹500 (0.2%), doubling to 2 per ₹500 (0.4%) when net spends were ₹100 or more in the previous reward cycle. Hard cap of 1,500 stars per cycle. Stars are earned on fuel spends too.

05Google Pay Flex Axis Bank Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip

06Google Pay Flex Axis Bank Credit Card Eligibility and Documents

Age: 18 to 70 years
Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)

07Recent Changes

What Axis Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
28 Aug 2026	Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank	1.5% + GST	3.5% + GST
28 Aug 2026	Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank	₹1,200 on any total payment due above ₹10,000	₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000
28 Aug 2026	Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank	Bridge fees, road fees and tolls earned at the normal rate	No rewards or cashback on bridge fees, road fees and tolls
17 Dec 2025	Changed: Flex by Google Pay launches with Axis BankSource: Axis Bank	-	-

See this card's change history → · All card changes in August 2026 →

08Cards Similar to Google Pay Flex Axis Bank Credit Card

Google Pay Flex Axis Bank Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Google Pay Flex Axis Bank Credit Card	Federal Scapia Credit card	SBI BPCL Credit Card
Joining fee	Lifetime free	Lifetime free	₹499 + GST
Annual fee	Lifetime free	Lifetime free	₹499 + GST
Rewards	0.4% on most spends	2% on most spends; 4% only at partner merchants	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	Not included	Unlimited	Not included
Forex markup	3.5%	0%	3.5%
Type	Rewards	Travel	Fuel

Compare with Federal Scapia Credit card Compare with SBI BPCL Credit Card

09Explore More

All Axis Bank productsEvery card, loan and account from Axis Bank on SkyloFin Rewards credit cardsEvery rewards card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Never Miss Your Google Pay Flex Axis Bank Credit Card Bill

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Common Questions

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

The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.

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

The annual fee is Free.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Google Pay Flex Axis Bank Credit CardJoining fee: Free

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