Flex Card Google Pay with Axis Bank has launched a UPI-powered digital credit card.

Google is making a major entry into the Indian credit card market with a brand new product designed for the digital age. On December 17th, Google Pay launched Flex, a UPI-powered digital credit card created in partnership with Axis Bank. This isn’t just another credit card; it’s Google’s answer to a fundamental problem. Flex Card Google Pay with Axis Bank has launched a UPI-powered digital credit card.

In India, a country of 1.4 billion people, there are over 50 million credit card holders. This represents a huge untapped potential. India is a world leader in UPI payments, processing billions of transactions every month. However, most Indians still don’t have easy access to credit cards, and those who do often find them difficult to use.

Apply for Flex directly in the Google Pay app in just a few minutes. There’s no physical paperwork. The card lives entirely on your phone, giving you access whenever you need it. Powered by the RuPay network, it gives you the freedom to pay by scanning at millions of offline merchants or check out for small or large payments on your favorite apps. It works everywhere.

UPI works for everything from street vendors to online shopping. Rewards are instant. You get 1 Star for every transaction, which can be redeemed immediately. No need to wait until the end of the month. You can pay your bill in full or convert it into EMIs. Everything is managed within the app. You can set spending limits, block your card, reset your PIN – everything is at your fingertips.

But Google isn’t alone in this space. Amazon, Flipkart, PhonePe, and even food delivery apps like Swiggy and Zomato already offer co-branded credit cards. But what sets Flex apart is its integration with the UPI and Google Pay ecosystem. Google Pay’s senior director explains that the flexible payment options are designed to alleviate the concerns of first-time credit users.

Google plans to expand Flex with more bank partners soon. For now, it’s rolling out gradually, and interested users are joining a waitlist. Ultimately, it has the potential to transform how millions of Indians access and use credit in their daily lives.

Flex Card : Google Pay, in partnership with Axis Bank, has launched a UPI-powered digital credit card. (Full Details)

What is the Google Pay Flex Axis Bank Credit Card? Complete information.

In today’s world, digital payments have become an integral part of our daily lives. While cash and cards were previously the primary modes of payment, UPI has made payments even easier. Building on this digital revolution, Google Pay and Axis Bank have collaborated to launch a new and unique credit card called the Google Pay Flex Axis Bank Credit Card.
This card is specifically designed for individuals who want to leverage the convenience of UPI along with the benefits of a credit card.

What is the Google Pay Flex Axis Bank Credit Card?

The Google Pay Flex Axis Bank Credit Card is a completely digital credit card issued by Axis Bank that you can use directly within the Google Pay app. This card is based on the RuPay network, so you can also use it via UPI. This means you no longer need to take out your physical card every time.

Key features of the Google Pay Flex Credit Card

Fully digital card

No physical card required
All card details available in the Google Pay app
Convenient to use anywhere, anytime

Payment via UPI on credit

Payment by scanning a QR code
Usable at shops, for online shopping and services
As easy as UPI, but with payment on credit

Axis Bank’s reliable service

The card is issued by Axis Bank.
Bank-level security
Reliable billing and statement system

Rewards and Benefits (Stars System)

With Google Pay Flex Card, you earn rewards in the form of Stars.

You earn Stars on every eligible transaction.
1 Star = ₹1 in value.
You can use these Stars directly in your payments.
You can earn up to 4X or 8X Stars on various offers.
The best part is that you don’t have to wait months for your rewards.

Bill Payment and Repayment Options

(The Google Pay Flex card offers you flexible repayment options.)

Payment Options:

Pay the full bill amount
Pay the Minimum Due Amount
EMI option available on eligible transactions

All the bill and repayment details are visible to you within the Google Pay app.

Fees and Charges

Joining Fee: ₹0
Annual Fee: ₹0 (currently)

In addition:

Late payment charges may apply
Interest may be applicable on EMIs
Forex charges may apply to international transactions

(Exact charges are shown in the Google Pay app)

Benefits of Google Pay Flex Axis Bank Credit Card

The benefits of both UPI and a credit card
Instant digital approval
Instant redemption of rewards
No hassle of managing a physical card
Complete control through the Google Pay app

How to apply for the Google Pay Flex Axis Bank Credit Card?

Open the Google Pay app
Go to the Money / Payment Methods section
Click on Flex by Google Pay
Fill in the required information and complete KYC
Start using it immediately after approval. The entire process is 100% online.

Who is this card best suited for?

People who use UPI regularly
Those who already have a Google Pay account
Those who want to avoid using a physical card
Those who want to make small purchases on credit

Google Pay Flex Credit Card vs Normal Credit Card

Features Google Pay Flex Normal Credit Card
Card Type Digital Physical + Digital
Payment UPI + Online Swipe / Tap
Rewards Instant Stars Monthly
Control Google Pay App Bank App