Google Pay Flex SBI Card
Fees
₹499 + Taxes
Joining & AnnualReward Rate
Up to 8 Stars per ₹500 spent (1 Star = ₹1), capped at 18,000 Stars annually
Welcome Bonus
₹1,000 welcome gift
Lounge Access
No Lounge Access
FindMyCard Expert Take
The Google Pay Flex SBI Card from SBI Card offers Google Pay Digital Payments with an annual fee of ₹499 + Taxes.
Pros & Cons
Key Advantages
- RuPay variant links directly to UPI for credit-on-UPI payments
- Stars redeem 1:1 for cashback, avoiding confusing point-conversion math
- Up to ₹18,000 in annual rewards achievable on regular spends
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- No airport lounge access or premium travel perks
- Stars are capped at 18,000/year, limiting upside for high spenders
- Focused on everyday digital spends rather than travel or lifestyle benefits
Editorial Verdict
The Google Pay Flex SBI Card is ideally suited for google pay digital payments. If you want up to 8 stars per ₹500 spent (1 star = ₹1), capped at 18,000 stars annually, this card delivers real value. The ₹499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on cashback purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹499 + Taxes
💡 Annual fee waived on ₹1 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Google Pay Flex SBI Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Google Pay Flex SBI Card This Card | ₹499 + Taxes | Up to 8 Stars per ₹500 spent (1 Star = ₹1), capped at 18,000 Stars annually | No Lounge Access | 4.3/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |