Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Annual and renewal fee₹499 + applicable taxes; renewal fee ₹499 + applicable taxes from the second yearView source
The product page lists annual and renewal fees of ₹499 plus applicable taxes.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Credit Card Fees and Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
Renewal-fee reversalRenewal fee reversed on annual spends of ₹1 lakh or more in the preceding yearView source
The issuer page states annual-fee reversal at ₹1 lakh preceding-year spend.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Exclusive privileges — Annual Fee Reversal
- Accessed
- 1 Sept 2026
- Confidence
- high
Google Pay Stars2 Stars per ₹500 cumulatively in the first two billing cycles; subsequently 2 Stars per ₹500 on eligible transactions when at least ₹100 was spent in the previous cycle, otherwise 1 Star per ₹500; up to 4X at ₹15,000 monthly spend and 8X at ₹30,000 monthly spend; maximum 18,000 Stars per yearView source
The page publishes activation, accelerated, base and monthly-milestone Stars rules and the annual cap.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Explore Rewards
- Accessed
- 1 Sept 2026
- Confidence
- high
Star redemption valueStars can be redeemed for instant cashback during eligible UPI payments on Google Pay or for Google Pay vouchers; 1 Star = ₹1View source
The issuer states that Stars can be redeemed for cashback during payments and vouchers and that one Star equals one rupee.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Exclusive privileges — redeem Stars
- Accessed
- 1 Sept 2026
- Confidence
- high
Welcome benefitGoogle Pay welcome gift worth ₹500 and 500 Stars after payment of the joining feeView source
The page lists a ₹500 Google Pay gift and 500 Stars on joining-fee payment.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Key benefits and Exclusive privileges
- Accessed
- 1 Sept 2026
- Confidence
- high
Maximum annual finance chargeUp to 45% per annum for unsecured cardsView source
The issuer states 3.75% per month, equivalent to 45% per annum, for unsecured cards.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Extended Credit — Finance Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
NetworkThe issuer describes Visa, Mastercard and American Express ATM acceptance; the issued network variant is not separately identified on the reviewed product pageView source
The page describes cash withdrawal from Visa, Mastercard or American Express but does not name a single issued network variant.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Other features — cash access
- Accessed
- 1 Sept 2026
- Confidence
- medium
EligibilityBasic SBI Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile; final approval is subject to SBI Card assessmentView source
The issuer lists age, occupation, regular income and good credit score as basic criteria.
- Source
- Card online application eligibility
- Page / section
- — How to check my credit card eligibility
- Accessed
- 1 Sept 2026
- Confidence
- high
Income eligibilityNo universal rupee minimum-income threshold is published; SBI Card may request salary slips, income-tax returns or other income evidence during assessmentView source
The issuer names regular income as a criterion and says salary slips or income-tax returns may be required, but does not publish a universal rupee minimum.
- Source
- Card online application eligibility
- Page / section
- — eligibility and documents required
- Accessed
- 1 Sept 2026
- Confidence
- high
Google Pay Pay in EMIEligible latest-bill retail spends can be converted through Google Pay into 3, 6, 9, 12, 18, 24 or 36 months; minimum booking amount ₹2,500 and the 36-month option requires at least ₹30,000View source
The issuer terms publish the minimum amount, tenure options and 36-month threshold.
- Source
- Google Pay Flex Card Pay in Terms and Conditions
- Page / section
- Eligibility, booking amount and tenure
- Accessed
- 1 Sept 2026
- Confidence
- high
Offers and promotional benefitsWelcome benefit: Google Pay welcome gift worth ₹500 and 500 Stars after payment of the joining feeView source
Combined from the product’s manually reviewed welcome, milestone and renewal-benefit facts; see each issuer source for eligibility and fulfilment terms.
- Source
- Google Pay Flex Card — official product page
- Page / section
- Key benefits and Exclusive privileges
- Accessed
- 1 Sept 2026
- Confidence
- high
Monthly finance chargeUp to 3.75% per month for unsecured cardsView source
The current publishes a maximum 3.75% monthly finance charge for unsecured cards.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Extended Credit — Finance Charges
- Accessed
- 1 Sept 2026
- Confidence
- high
Foreign-currency markup3.5% dynamic-currency-conversion fee under the current MITC general ruleView source
The lists a 3.5% dynamic-currency-conversion fee for cards outside its named lower-markup exceptions.
- Source
- Card Most Important Terms and Conditions
- Page / section
- Dynamic currency conversion fee
- Accessed
- 1 Sept 2026
- Confidence
- medium
Lounge accessNo airport-lounge benefit is listed on the reviewed Google Pay Flex product pageView source
The page lists Stars, Pay in and fee reversal benefits but no airport-lounge allocation.
- Source
- Google Pay Flex Card official product page
- Page / section
- Key benefits and other features
- Accessed
- 1 Sept 2026
- Confidence
- high
Benefits and features
- Google Pay welcome gift
- Stars redeemable at ₹1 each
- up to 8X Stars on monthly spend milestones
- annual-fee reversal at ₹1 lakh spend
- Pay in through Google Pay
Eligibility
- Card publishes age 21–70, salaried or self-employed occupation, regular income and good credit profile as basic criteria; final approval is assessed by Card.
- The reviewed pages do not publish a universal rupee minimum-income threshold.
- Pay in is available to eligible primary cardholders through Google Pay and excludes cash, fees, and other ineligible transactions.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Card
- Aadhaar Card with first 8 digits masked or another valid government address proof
- Income or employment documents such as salary slip, income-tax return, Form 16 or bank statement when requested
- Recent photograph when requested
Related official documents
SBI Card current credit-card application catalogueofficial-product-catalogue · current · accessed 1 Sept 2026
↗SBI Card online application eligibility and document requirementsofficial-eligibility-page · current · accessed 1 Sept 2026
↗SBI Card Key Fact Statementkey-fact-statement · current · accessed 1 Sept 2026
↗SBI Card Most Important Terms and Conditionsmost-important-terms-and-conditions · current · accessed 1 Sept 2026
↗Google Pay Flex SBI Card — official product pageofficial-product-page · current · accessed 1 Sept 2026
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