Axis Bank · Entry · lifetime free
Google Pay Flex Axis Bank Credit Card
Where it ranks across all 187 cards
#31 Fuel
0.2%
direct
#72 EMI
0.2%
direct
#102 Utility bills
0.2%
direct
#129 Gaming
0.2%
direct
#141 Mobile / broadband
0.2%
direct
#154 Train tickets
0.2%
direct
#160 Cabs & transit
0.2%
direct
#167 Flights
0.2%
direct
#167 Hotels
0.2%
direct
#168 Groceries
0.2%
direct
#168 Health & pharmacy
0.2%
direct
#168 Other
0.2%
direct
#169 Electronics
0.2%
direct
#170 Dining out
0.2%
direct
#172 Online shopping
0.2%
direct
#172 Food delivery
0.2%
direct
#172 Fashion
0.2%
direct
#173 Movies & events
0.2%
direct
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One star is equal to Rs 1; Stars are redeemed instantly as cashback while paying with the card on the Google Pay app.
Points valued at ₹1/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.20%base rate
1 pt / ₹500
source
Source: Axis Bank - Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Rent
earns nothing
No Stars on rental payments.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Insurance
earns nothing
No Stars on insurance premium payments.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Education
earns nothing
No Stars on educational institutions and services.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Government / tax
earns nothing
No Stars on government and government institution payments and fees.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Wallet load
earns nothing
No Stars on wallet spends.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Jewellery & watches
earns nothing
No Stars on clock, jewellery, watch and silverware stores.
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Axis Bank - Terms and Conditions for Google Pay Flex Axis Bank Credit Card - axis.bank.in - read 2 Oct 2026
Gift, card, novelty and souvenir shops
earns nothing
28 Aug 2026 portfolio revision notice, linked directly from this card's own page: gift card purchases are excluded from rewards and reclassified into their own 'Gift Card' spend category.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 5947
Source: Axis Bank - Revision of Axis Bank Credit Card Terms and Conditions (28 Aug 2026) - campaign.axis.bank.in - read 2 Oct 2026
Tolls and bridge fees
earns nothing
28 Aug 2026 portfolio revision notice, linked directly from this card's own page: no rewards/cashback on Bridge Fees, Road Fees, and Tolls.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis Bank - Revision of Axis Bank Credit Card Terms and Conditions (28 Aug 2026) - campaign.axis.bank.in - read 2 Oct 2026