Fees
Annual feeINR 499 + GST (waived on INR 2L+ spend)
Joining feeINR 499 + GST (waived on INR 2L+ spend)
Renewal feeINR 499 + GST (waived on INR 2L+ spend)
Fee waiverAnnual fee reversed on spending INR 2,00,000 in preceding year
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,000 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 250 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonusINR 1,000 cashback on first Google Pay transaction
Bonus categoriesOnline shopping, UPI transactions, Digital spends
Travel & lounge
Domestic lounge1 complimentary domestic lounge visit/year (no spend condition)
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 3 lakh travel cover
Lifestyle
Dining benefits1-2% cashback on dining (via partners)
Fuel surcharge2% fuel surcharge waiver (cap INR 400/month)
ComplimentaryComplimentary travel insurance on spends
Special offersScratch cards with cashback, Monthly promotions on categories
AdditionalScratch cards on every Google Pay transaction, Partner offers
Credit limit & EMI
EMI optionsYes - SmartEMI on Google Pay
Insurance & protection
Purchase protectionBasic purchase protection
Other insuranceDeath cover INR 3 lakh
Coverage detailsTravel: INR 3 lakh, Medical: INR 1.5 lakh