Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee reversed on INR 1,00,000 annual spend
Spend waiverINR 1,00,000
Interest rate3.50% per month
Late paymentINR 400 – INR 1,300 based on outstanding amount
Forex markup3.5% + GST
Cash advance2.5% of amount (minimum INR 500)
Rewards & cashback
Redemption optionsInstant redemption at payment via Google Pay app (Stars applied at checkout). Gift vouchers, travel (via Google Pay Travel). EMI conversion on outstanding balance (Flex repayment feature).
Welcome bonusWelcome benefit: INR 1,000 (₹500 on first payment via Google Pay + additional benefits). Welcome Stars credited within 30 days of first spend.
Lifestyle
Special offersLaunch offer (Jul 29, 2026): Welcome benefit ₹1,000; 8 Stars per ₹500 on ₹15,000 spend milestones. Digital-first issuance — no physical branch required.
Additional benefitsIndia's second Google Pay co-branded credit card (first was Google Pay × Axis Bank, Dec 2025). Available on both RuPay and Visa networks under a single account. Gemini AI-powered financial assistant integrated into Google Pay.
Digital & security
Contactlesstrue
Virtual cardtrue
App featuresFull card lifecycle managed within Google Pay app (application, approval, card linking, spend tracking, bill payment, EMI conversion). Google Gemini AI integration for spending insights and financial concepts (Ask Google Pay feature). UPI on credit: RuPay variant linkable to UPI for credit-on-UPI payments at UPI merchants. Tokenisation on Google Pay for tap-to-pay (both RuPay and Visa variants).