Google Pay Flex Axis Bank Credit Card

Joining feeAnnual feeRenewal feeAdd-on card fee

₹0

Fee waiver rule

Annual fee – Primary Card: Waived.

Welcome benefit

Earn 2 stars on eligible spends of ₹500 in the first rewards cycle.

Reward rate

1 star per ₹500 spent (cumulative; one star = ₹1); 2 stars per ₹500 in a reward cycle after spending ₹100 or more in the previous cycle.

What one reward unit is worth

One star is equal to ₹1.

Cashback redemption

Redeem Stars while making UPI payment using this card on the Google Pay app to get instant cashback on your card.

Dining programme

5% back (₹250 in Stars) on UPI spend of ₹5,000 using GPay on top food and grocery apps e.g. Zomato, Blinkit, Swiggy etc, once every reward cycle. Promotional campaign effective from 16 October 2026 till 15th October 2027, subject to extension as decided by Google Pay and Axis Bank.

Milestone benefits

Google One members get 3.2% back in Stars (where 1 Star = ₹1) on all eligible spends in the reward cycle upon crossing ₹15,000; non-Google One members get 1.6%. Also 15% back (₹450 in Stars) on ₹3,000 spends on bills, OTT and recharges once every reward cycle. Promotional campaign effective from 16 October 2026 till 15th October 2027.

Purchase to EMI conversion

Transactions of ₹2500 or more can be converted into easy EMI.

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value

Dynamic currency conversion markup

3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

2.5% (Min. ₹500) of the cash amount.

Interest on unpaid balance

3.75% per month (55.54% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if total payment due is up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1200 for ₹10,001 to ₹50,000; ₹1300 for ₹50,000 and above

Over-limit fee

Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).

Payment return or dishonour fee

Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.

Statement or duplicate statement fee

Duplicate Statement Fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

Fees for Cash Payment at Branches: ₹175.

Education / school fee charge

Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.

Fee for paying the bill by cheque

Outstation cheque fee: Waived

Fee on online skill-based gaming spends

Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.

Wallet load charge

Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

Rent Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.

Utility transaction fee

Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100

Eligibility

Primary cardholder between 18 and 70 years; resident of India.

Minimum age

Between the age of 18 and 70 years.