Google Pay Flex SBI Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
Up to 8 Stars per ₹500 spent (1 Star = ₹1), capped at 18,000 Stars annually
Welcome Bonus
₹1,000 welcome gift
Lounge
No Lounge Access
Our Expert Take
The Google Pay Flex SBI Card from SBI Card offers Google Pay Digital Payments with an annual fee of ₹499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
Stars on all spends
Max 18,000 Stars per year
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
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
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
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
Credit score & income
Good (730+)
Frequently Asked Questions
How do Stars work on Google Pay Flex SBI Card?
How is the annual fee waived on Google Pay Flex SBI Card?
Does Google Pay Flex SBI Card offer lounge access?
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, capped ₹2,000/statement cycle; 1%... | 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 |