Digital-First UPI Rewards Credit Card on Google Pay with 5% Bill Savings
Heavy Google Pay users, digital bill payers, and urban consumers seeking accelerated rewards on routine mobile recharges and merchant QR codes.
₹499
One-time upfront₹499
Waived on ₹1 lakh annual spend1 Star per ₹500 spent (0.20% value; 1 Star = ₹1), up to 8 Stars per ₹500 (1.60% value) on spend tiers
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Google Pay Flex SBI Card represents a strategic alliance between India's premier card issuer, SBI Card, and Google Pay, operating over the RuPay network rail. Priced at an accessible ₹499 plus GST annual fee, it effectively neutralizes the initial fee with a ₹500 cashback welcome credit upon card activation and spending ₹500 via Google Pay within 30 days. The card's economic engine is tailored to everyday household finances: cardholders earn 5% cashback on mobile recharges, electricity, gas, broadband, and DTH bill payments initiated directly inside Google Pay. On popular lifestyle applications (including Zomato, Swiggy, and select online merchants), users earn 2% cashback, while all other general retail and merchant UPI QR transactions yield 1% cashback. Cardholders also benefit from a 1% fuel surcharge waiver up to ₹100 per statement cycle across all petrol pumps in India for transactions between ₹500 and ₹3,000. Standard category exclusions apply to wallet loading, rental payments, educational fees, and government tax levies. The annual renewal fee of ₹499 is reversed upon spending ₹1,00,000 or more in an anniversary year. For mobile-centric households that process monthly utility bills and food orders through Google Pay, this card delivers consistent, reliable cash returns with minimal friction.
Get ₹500 credited to your account after making your first successful transaction using Google Pay, plus 500 Stars (worth ₹500) upon payment of the ₹499 joining fee.
Earn 1 Star per ₹500 on base spends, 4 Stars per ₹500 on monthly spends between ₹15,000 and ₹30,000, and 8 Stars per ₹500 on monthly spends exceeding ₹30,000 (capped at 1,500 Stars/month).
Link your Google Pay Flex SBI Card directly to your UPI ID on Google Pay, allowing you to scan any merchant QR code and pay directly from your credit card limit with zero additional charge.
Utilize 'Ask Google Pay', powered by Google Gemini AI, to query your past transactions, get categorized expense summaries, track reward Stars, and receive smart budgeting tips.
Spend ₹1,00,000 or more in an anniversary year to get your ₹499 annual renewal fee completely waived in the subsequent year.
Get a 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹3,000 (capped at ₹100 per billing cycle).
Easily convert large purchases into convenient EMIs of 3, 6, 9, or 12 months directly from the transaction details screen in the Google Pay app.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Google Pay UPI & Merchant Spends | Up to 3% cashback on Google Pay app transactions | No Cap | Standard terms apply |
| All Other Spends | 1% flat cashback on other eligible retail spends | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Google Pay UPI & Merchant Spends | ₹12,000 | Up to 3% cashback on Google Pay app transactions | — | None | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 1% flat cashback on other eligible retail spends | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹1,00,000 or more in a card anniversary year to get 100% waiver of the ₹499 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST. • Annual Fee Waiver: Spend ₹1,00,000 or more in an anniversary year to waive the ₹499 renewal fee. • Welcome Benefit: ₹500 cashback credited upon card activation and completing a ₹500 spend on Google Pay within 30 days. • Rewards Structure: 5% cashback on bill payments and recharges on Google Pay; 2% cashback on dining/food delivery; 1% on general retail & UPI. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per monthly statement). • Cashback Settlement: Cashback is automatically adjusted against your card statement balance in the subsequent billing cycle. • Exclusions: Fuel purchases, cash withdrawals, wallet top-ups, rent payments, and government services do not accrue cashback.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Google Pay Flex SBI Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official SBI Card portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Google is completely reworking the Flex rewards programme from October 16, 2026. Google One members can earn up to 3.2% back in Stars, with food, utility, and recharge bonuses. Here is the complete math at ₹5,000–₹30,000 monthly spend compared against Kiwi, Tata Neu Infinity, and Pixel Play.
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