Monepoint
Low Fee

Axis Bank

Google Pay Flex Axis Bank Credit Card

A zero-fee Google Pay co-brand whose own T&C states "Each Star shall carry a fixed monetary value of ₹1" — and, unusually for this portfolio, explicitly pays Stars on fuel spends rather than excluding them.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
28 August 2026
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Google Pay Flex Axis Bank Credit Card

Fees

Joining fee
₹0
Annual fee
₹0

Rewards

reward points

  • everything-else: 0.2%Base programme, cumulative eligible spends, including fuel.
  • everything-else: 0.4%First reward cycle only. Escalates further to 4x the base rate for cardholders already at this accelerated tier who spend more than ₹15,000 in the current reward period — a compounding condition not modelled as a separate flat rule.

Milestone rewards

  • ₹500 spend: 2 Stars
  • ₹0 spend: A ₹250 Google Pay gift card plus 250 Stars

Capped at 1,500 Stars per reward cycle, of which a maximum of 750 come from Axis Bank itself. Stars expire 1 year after issue. Redemption is entirely through Google Pay's own app, not Axis.

Eligibility

Minimum age
18 years

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 28 August 2026

View issuer page ↗

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