Google Pay Flex Axis Bank Credit Card Review: Features, Reward & How to Apply

Last Updated on February 13, 2026 by Muskan Sinha

Google Pay and Axis Bank have collaborated to launch a new UPI-powered credit card, the Google Pay Flex Axis Bank credit card. Built on the RuPay network, the idea behind launching this credit card was to facilitate UPI payments and leverage traditional banking facilities. The Flex credit card is fully digital and allows users to make UPI payments with a credit card. Google Pay has initiated to make digital payments even more convenient and simplified with the Flex card. You can pay with this credit card everywhere you go – from Kirana store to online apps, for any purchase big or small. 

The Flex credit card helps you make flexible payments while also giving you maximum rewards and benefits on your payments. You can instantly apply for this Google Pay UPI credit card and redeem Stars as rewards for your purchases. You can manage your credit card, check its usage, block or unblock your card for security purchases and much more. So what’s the wait for? Apply for the Flex card instantly and start saving big on your expenses. 

Features of the Google Pay Flex Axis Bank Credit Card

• Digital Process – Since this is a fully digital credit card, the application process is also digital. You can instantly apply for the Flex card through Google Pay and get approval in minutes. 
• Flexible Payments – You can access this credit card to make UPI payments anywhere and anytime. Whether you want to make online payments or offline payments directly to the merchant, you can easily manage it all via the Google Pay Flex credit card. 
• Instant Rewards – Cardholders get instant rewards for making payments using the Flex credit card. On every payment, they receive ‘Stars’, each valued at Rs 1 which can be redeemed easily. 
• Manage Flex Card on Google Pay – Google Pay allows you to manage all transactions carried out using the Flex credit card on the app itself. This also includes users being able to check their credit card limit usage, reset PIN, block or unblock card, set transaction limits and much more. 
• Lifetime Free Credit Card – The best part about the Google Pay Flex Axis Bank credit card is that it is a lifetime free card, meaning users do not have to pay any account-opening or annual fees.
• EMI Option – You can choose how you want to pay your dues with this credit card – full payment or EMI installments. Based on your billing amount, you can split the payment into EMIs with flexible tenure options and low interest rates.  

Rewards and Benefits of Google Pay Flex Axis Credit Card

• Redeem Stars – For every payment you make using the Google Pay Flex credit card, you receive Stars valued at Rs 1. So when you make a payment above Rs 500, you receive 1 Star. 
• Welcome Benefit – Google Pay rewards you with a Rs 250 gift card and 250 Stars as a welcome benefit. Additionally, you receive 2 Stars on eligible spend of Rs 500 in the first reward cycle. 
• 4X and 8X Rewards – Cardholders can unlock 4x rewards on every spend of Rs 500 if they spend more than Rs 15,000 in the same reward cycle. Also, if the spending increases tol Rs 30,000 or more in the same reward cycle, then cardholders can also unlock 8x rewards for every Rs 500 spent. This means that they will earn 4 or 8 Stars instead of 1 Star on their purchases exceeding Rs 500 respectively.  
• Dining Benefits – You can get 15% off on dining across 10,000 restaurants via EasyDinner. 
• Pause or Block Flex – As a cardholder, you can block or pause payments for security reasons until you reactivate them. This is beneficial for the time if you feel your card details have been stolen. 

Documents Required For Google Pay Flex Axis Credit Card 

Since the process to apply for the Google UPI credit card is online, you may be required to keep some documentation ready such as:

• Identity Proof – You can provide a copy of an Aadhaar card, PAN card, Passport, Voter ID, etc. 
• Address Proof – You can use copy of an electricity bill, driving license, landline or telephone bill, etc. 
• Proof of Income – For this, you can use the latest payslip, bank statement, Form 16, IT return copy, etc. 
• Coloured Photograph – It is also better to keep a coloured passport size photograph for the verification process. 

Eligibility Criteria 

• The cardholder should be between 18 and 70 years of age. 
• The cardholder should be a resident of India. 

How to Apply For Google Pay Flex Axis Credit Card

You can apply for the Google Pay Flex credit card through your Google Pay app and follow the simple steps:

1. Make sure that you have updated the Google Pay app to the latest version. 
2. Open the app and tap ‘Money’ at the bottom. 
3. Click on the ‘Get Flex’ banner and then choose ‘apply’. 
4. Next, click on continue and enter all your personal details. 
5. Share your PAN/Aadhaar details along with your employment details. 
6. Then add your card preferences and tap on the ‘accept and continue’ option. 
7. You will then receive an OTP which you have to enter for the verification process. 
8. Submit your application and then wait for confirmation. 
9. The bank will assess your credentials to check your eligibility and credit profile. 
10. Once approved, you can continue with your KYC process. 
11. Finally, your Google Pay Flex credit card will be issued digitally and you will be notified when the card is ready for use. 

How to Manage Your Flex Credit Card?

On the Flex homepage on the Google Pay app, you can easily and conveniently manage your Google Flex credit card for the following purposes:

• Track Your Spending – You can view and track every transaction that you have made using the Flex card. From payment history to merchant name, you can easily track your spending. 
• Set Transaction Limits – You can set transaction limits that suit your spending habits to keep your expenses in check. 
• Due Dates and Bill Management – On the Flex homepage, all your bill amounts and due dates will be available so that you can see the amount details, available limits and recent transactions. 
• Reward Details – You can even check details related to the number of Stars you have earned or used till now on the Flex homepage. Basically, you can trace your entire Star history. 
• Payment Setting – You can manage which type of payment option you want to choose, enable or disable payment options, choose any repayment option and much more. 
• Find Credit Card Details – You can easily find your credit card details like card number, expiry date and CVV for online transactions.

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Muskan Sinha

Muskan Sinha is a creative and passionate content writer, skilled at delivering high quality , engaging and SEO friendly content across diverse niches. With a zeal for storytelling and great critical thinking, she delivers clear, informative and impactful content that boosts audience engagement.