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Axis Bank
Lifetime free, lives in the Google Pay app, and earns on fuel as well as everything else
One-time
Zero renewal fee
Uncapped rewards
Score 700+
Applying takes you to Axis Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Axis Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Fuel
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — One Star per Rs. 500 of cumulative eligible spending, including fuel. Two Stars per Rs. 500 in the first rewards cycle; Google Pay offers incremental 4X and 8X earnings directly., with no stated cap.
Biggest limitation
The base rate of one Star per Rs. 500 is 0.2% back, among the lowest in this catalogue.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1 pts
uncappedEverything else
One Star per Rs. 500 of cumulative eligible spending, including fuel. Two Stars per Rs. 500 in the first rewards cycle; Google Pay offers incremental 4X and 8X earnings directly.
1 pts
uncappedFuel
Axis states Stars are earned on all eligible spends including fuel.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, as published in Axis Bank's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Axis BankAxis Bank Atlas Credit Card₹5,900Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177IDFC FIRST Mayura Credit CardIDFC BANKIDFC FIRST Mayura Credit Card₹7,079Indian Overseas Bank ZET FD Credit CardIndian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime freeRBL Bank SalarySe UP Credit CardRBL BankRBL Bank SalarySe UP Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Google Pay Flex Axis Bank Credit Card · this card | Lifetime free | 1% everything else | No |
| Fibe Axis Bank Credit Card | Lifetime free | Up to 3% cashback | Included |
| Axis Bank Atlas Credit Card | ₹5,900 | Up to 5 miles per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed instantly against an eligible payment in the Google Pay app, Exchanged for vouchers available in the Google Pay app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
One Star for every Rs. 500 spent cumulatively on eligible categories, and each Star is worth a fixed Rs. 1 — so 0.2% back at the base rate. During the first rewards cycle it is two Stars per Rs. 500. Google Pay also offers incremental 4X and 8X Star earnings directly, which is where the rate becomes competitive, but those are offers rather than standing card terms.
Axis states that Stars are earned on all eligible spends including fuel. That is worth noting because fuel is one of the most commonly excluded categories across this catalogue — several cards name it alongside rent and wallet loads as earning nothing. On a card with no fee at all, fuel earning anything is unusual.
Nothing. Axis publishes the joining fee as Rs. 0 and the annual fee as Rs. 0, with no spend condition attached. So the base rate of 0.2% is not being measured against a fee — anything the card earns is clear gain.
Each Star carries a fixed monetary value of Rs. 1, which Axis publishes. Stars can be redeemed instantly while making an eligible payment through Google Pay, or exchanged for vouchers available in the app. The instant redemption against a payment is the useful part: there is no catalogue to navigate and no minimum to reach.
Yes — Axis describes it as a UPI-first credit card, built on RuPay, which is the only network whose credit cards can be linked to a UPI app. The card, the rewards and the repayment all sit inside Google Pay, which makes it one of the few cards here designed around UPI rather than adapted to it.
At 0.2% it is among the lowest in this catalogue, and if you are choosing on reward rate alone there are far better cards. What makes it worth holding is that it costs nothing, earns on fuel where most cards do not, and sits in an app you probably already use — so it is a sensible second card rather than a main one, especially for fuel and small UPI spending.
Across this catalogue, fuel is one of the most commonly excluded categories. Card after card names it alongside rent and wallet loads as earning nothing, and the cards that do reward fuel usually do so through a co-brand tied to one forecourt network.
Axis states that Stars on the Flex card are earned on all eligible spends including fuel. On a card with no joining fee and no annual fee, fuel earning anything at all is unusual — and because a Star is worth a fixed Rs. 1 with no conversion to decode, what it earns is exactly what it says.
The base rate is one Star per Rs. 500 of cumulative eligible spending, which at Rs. 1 a Star is 0.2% back. That is among the lowest in this catalogue. It doubles to two Stars per Rs. 500 during the first rewards cycle, and Google Pay offers incremental 4X and 8X Star earnings directly.
Those multiplied rates are where the card becomes genuinely rewarding — 8X would be 1.6% — but they are offers made by Google Pay rather than terms written into the card, so they can change or end. The rate you can rely on is 0.2%, and the right way to judge the card is as a free one that earns a little on everything, including the categories others refuse.
Axis calls it a UPI-first credit card and the description holds up. It is built on RuPay, which is the only network whose credit cards can be linked to a UPI app. The application is fully digital, the card is managed inside Google Pay, Stars redeem instantly against an eligible payment there, and repayment happens in the same place.
Most RuPay credit cards in this catalogue are ordinary cards that happen to support UPI. This one assumes UPI is how you pay and builds the rest around that, which for somebody whose spending is mostly QR codes is a materially different experience — even if the earn rate is modest.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Google Pay Flex Axis Bank Credit Card — 1% on everything else. No annual fee.