Joining Fee:
₹499 +GST
Return Percentage:NA
Credit Card Overview
A Google Pay co-branded credit card offering Stars on eligible spends, with higher rewards for Google One members and monthly spending milestones. Redeem 1 Star for ₹1 on eligible Google Pay Flex transactions or gift vouchers. Includes welcome rewards and a ₹1 lakh annual-spend fee waiver.
Best Suited For:
SBI
Fees and charges at a glance
- Annual fee
- ₹499
- Joining fee
- ₹499
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
SBI Google Pay Flex (Rupay) credit card — Earn Categories
Other categories
- Spends > ₹30,000 (2X tier)8 Stars / ₹500
Maximum 1,500 Stars per statement cycle across eligible reward earning.
- Spends > ₹15,000 (2X tier)4 Stars / ₹500
Maximum 1,500 Stars per statement cycle across eligible reward earning.
Everyday rate
- Base Rewards2 Stars / ₹500
2 more earning categories on this card
We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Jewellery
- Financial Institutions
- Wallets
- Education
- EMI
- Insurance
- Rent
- Government