Axis Bank and Google Pay’s formal partnership led to the introduction of the Google Pay Flex Axis Bank Credit Card on Wednesday, December 17. The card is being billed as India’s first fully digital and UPI-powered
co-branded credit offering. It is Google Pay’s first product under the Flex agreement, formally announcing the company’s entrance into the co-branded credit card space.
Operating on the RuPay network structure, the Google Pay Flex Axis Bank Credit Card is built to integrate credit card usage with UPI payment. It is fully embedded within the Google Pay application, which is easily accessible to users. The Axis Bank partnership has ensured the card is applicable at zero cost for Google Pay users. They can receive the card within minutes of applying and begin transactions without any physical paperwork involved.
Rewards
The payments can be made at all the offline merchants and online applications supported by the RuPay network. But a point of great interest for the user base should be the reward system associated with the Google Pay Flex Axis Bank Credit Card. Rewards will be earned on transactions and be called ‘Stars’, with one star equating to Re 1. These stars are instantly redeemable.
On the Google Pay application, users can track their credit card spending, pay bills in full or even convert the outstanding amounts into manageable EMIs. The card section of the app features block and unblock options as well as the PIN reset facility.
“With UPI emerging as the preferred mode of payment, we identified a clear opportunity to co-create a credit offering tailored for the digital-first consumer,” said Arnika Dixit, president and head – cards, payments and wealth management, Axis Bank, as quoted by Times of India.
“Seamlessly integrated into the Google Pay app, this card delivers a secure, convenient and rewarding experience that perfectly complements the modern Indian lifestyle.”
‘Greater Control Over Daily Transactions’
According to Sharath Bulusu, senior director – product management, Google Pay, the Axis Bank partnership and the introduction of a RuPay network-backed UPI-linked credit card would give users greater control over their daily transactions.
Bulusu explained, “While digital payments have become ubiquitous in India, transactional credit remains underpenetrated. We built Flex to bridge this gap, simplifying and reimagining the card experience for the next generation of users.”
Sohini Rajola, executive director of growth, NPCI, said, “We remain committed to delivering trusted and seamless digital payment experiences for consumers, and Google Pay Flex Axis Bank Credit Card furthers this mission by making everyday payments smarter.”
Users can join the waitlist for the credit card through the Google Pay app, with the two companies finalising the card’s wider availability plan for early 2026.
