Google Pay Flex Axis Bank Credit Card

The key highlights of the Google Pay Axis Bank RuPay credit card are as follows:

Google Pay Flex Axis Bank Credit Card is one of the best rupay credit cards that offers the following benefits:

Rewards

• Earn reward points in the form of Stars on all eligible spends.
• No minimum transaction amount required.
• 1 Star for every cumulative spending of Rs. 500.
• 2X Stars for every cumulative spending of Rs. 500 in the present rewards cycle on spending at least Rs. 100 in the previous cycle.
• Redeem Stars when making UPI payments on the Google Pay app using the card and get instant cashback on your card.

Welcome Benefit

• As a welcome benefit, get 2 Stars for every Rs. 500 spent in the first reward period.
• Get a gift card of Rs. 250 and 250 Stars on the Google Pay app as a welcome reward (subject to offers run by Google Pay). 

Promotional Offer

• 4X Stars (for every cumulative spending of Rs. 500) if you start at 2X and spend above Rs. 15,000 in the current reward period.
• 8X Stars (for every cumulative spending of Rs. 500) if you start at 2X and spend above Rs. 30,000 in the current reward period.
• These Star earnings will be offered by Google Pay directly.
• This is a promotional campaign and can change from time to time.

Easy Repayment

• You can choose how you repay (full or via EMIs), depending on your bill amount and eligibility as decided by the bank.
• Manage bills and limits more easily from the Google Pay app.
• Convert transactions of Rs. 2,500 or above into EMIs.

Fees

• If you are looking for lifetime free credit cards, the Google Pay Flex Axis Bank Credit Card is currently available at zero joining and annual fees.

The charges associated with the Google Pay Flex Axis Bank Credit Card are mentioned below:

• Joining fee: Waived.
• Annual fee: Waived.
• Finance charges: 3.75% per month (55.54% per annum).
• Foreign currency transaction fee: 3.50% of the transaction value.
• Cash payment fee: Rs. 175.
• Late payment fee: Rs. 0 to Rs. 1,200, depending on the total payment due.
• Cheque return/ dishonour/ auto-debit reversal fee: 2% of the payment amount (minimum Rs. 500).
• Surcharge on railway ticket purchase/cancellation: As prescribed by IRCTC/ Indian Railways.
• Rent transaction fee: 1% per transaction. 
• Dynamic currency conversion markup: 1.5% + taxes.
• Duplicate statement fee: Waived.
• Charge slip retrieval/ copy request fee: Waived.
• Mini statement SMS: Waived.
• Balance enquiry charges: Waived.
• Card replacement fee: Nil.
• Transaction alert SMS: Free.
• Reward redemption fee: Nil.
• GST: As per existing government norms.

You can earn reward points in the form of Stars on all eligible spends, with no minimum transaction amount requirement.

• 1 Star for every cumulative spending of Rs. 500.
• 2X Stars for every cumulative spending of Rs. 500 in the present rewards cycle on spending at least Rs. 100 in the previous cycle.
• As a welcome benefit, get 2 Stars for every Rs. 500 spent in the first reward period and 250 Stars on the Google Pay app as a welcome reward (subject to offers run by Google Pay). 
• As a promotional offer, get 4X Stars (for every cumulative spending of Rs. 500) if you start at 2X and spend above Rs. 15,000 in the current reward period. Also earn 8X Stars (for every cumulative spending of Rs. 500) if you start at 2X and spend above Rs. 30,000 in the current reward period. These Star earnings will be offered by Google Pay directly.
• Stars can be redeemed when making UPI payments on the Google Pay app using the card to get instant cashback on your card.

The eligibility criteria for the Google Pay Flex Axis Bank Credit Card are mentioned below:

• Age: The primary credit cardholder should be aged between 18 and 70 years.
• Nationality: The applicant should be an Indian resident. 

Note: The eligibility criteria mentioned above are indicative only, and Axis Bank reserves the right to approve/ decline the card application.

Applying for the Google Pay Flex Axis Bank Credit Card online is easy and quick.

• Download and install the Google Pay app on your smartphone.
• Open the app and go to the ‘Money’ tab.
• Look for the ‘Flex by Google Pay’ section.

Unless there is any case variation, the applicant must provide the following documents to apply for the Google Pay Flex Axis Bank Credit Card:

• A PAN card photocopy 
• Coloured photograph
• Identity proof: Passport/ Driving License/ Voter ID/ Aadhaar Card
• Income proof: Latest Payslip/ Bank Statement/ Form 16/ ITR copy)
• Residence proof: Passport/ Driving License/ Voter ID/ Aadhaar Card/ Electricity Bill/ Landline Telephone Bill

This card is best suited for those who: 

• Are first-time credit card applicants and do not have an existing savings account with Axis Bank.
• Are looking for cash back credit cards that offers rewards on all purchases. 
• Frequently scan UPI QR codes and wish to link their credit card to Google Pay to make direct purchases at merchants who accept RuPay.
• Are looking for a card that requires zero physical paperwork, approved in minutes, and works entirely on their phone for instant online/ offline use.
• Want the facility to convert their large credit card purchases/ statements into easy EMIs directly inside the app.

If you are looking for airport lounge access credit cards, you can apply ofr other credit cards offered by the Axis Bank.

Here are the Google Pay Flex Axis Bank Credit Card customer care numbers: 

• Toll-free Axis Bank customer care number: 1800 209 5577/ 1800 103 5577
• Axis Bank customer care number: 1860 419 5555/ 1860 500 5555 (charges applicable as per service provider)
• WhatsApp Banking number: 7036165000