Google Pay Flex Axis Bank Credit Card
1 Star/₹500 cumulative eligible cycle spend; ₹1 restricted Google Pay voucher value; nil card fee
Try your spend →A conservative voucher-use floor
Named Axis terms award one Star per completed ₹500 cumulative eligible reward-cycle spend. Each Star has a ₹1 denomination. This floor counts one entered eligible purchase as the only spend each reward cycle, repeated twelve cycles, capped at 750 Axis-issued Stars per cycle. The 1,500-Star combined cap includes other awards; none are assumed here. Previous-cycle active 2X, Google tactical 4X/8X boosts, welcome rewards and offers are omitted; the published 8X promotion ended 15 September 2026. Reward cycles run from the 16th to the following 15th even if the billing cycle changes. Google Pay allows ₹1 per Star discounts on eligible voucher purchases. Full use of earned Stars is an illustrative redemption assumption, not automatic cash or guaranteed payout. Voucher choice, app-set redemption limits and expiry can affect usable value. RuPay may instead receive statement cashback by using Stars on eligible Google Pay card payments; this model prices voucher-only value and does not assume any network-specific cashback. Stars cannot be cashed out or used outside Google Pay and expire after one year. Returns, reversals and individual transactions converted to EMI reduce awards. Insurance, rent, cash, financial institutions, education, government, wallet, jewellery/watches/silverware, gift cards, tolls and fees are excluded. Fuel earns under the named program, but the calculator general fuel gate leaves it unscored and understates it. UPI, utilities and special merchant/portal routes are unpriced because a generic chip cannot verify their route or account rules. The issuer KFS dated 17 September 2026 confirms nil joining and annual fee. Fees for other services or transactions, interest and late charges may still apply. No conditional waiver or promotional return is assumed.
Annual examples, conditional on using Stars
₹499 per reward cycle earns no complete ₹500 block. ₹5,000 per cycle earns 10 Stars, or ₹120 illustrative annual voucher-use value. ₹375,000 per cycle reaches the 750-Star Axis cap, or ₹9,000 annual illustrative value. These are twelve-cycle examples with nil card fee, no other spends, returns or excluded merchants. Unused or expired Stars are not realized return. Interest and other charges can erase value.
Issuer and program sources
Named issuer page · Named Axis earning terms · 17 September 2026 KFS, nil fees · Google Pay Stars redemption and limits · Google Pay networks and fees
Checked 2 October 2026. Restricted voucher value, not universal cash.