{
  "id": "axis-google-pay-flex-credit-card",
  "locale": "hi",
  "name": "Google Pay Flex Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (100% लाइफटाइम फ्री)",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "GPay UPI पर 8X स्टार्स (1 स्टार = ₹1) तक · ₹500 वेलकम गिफ्ट · लाइफटाइम फ्री",
  "bestFor": "Google Pay उपयोगकर्ता, RuPay UPI QR स्कैन, बिल भुगतान और शून्य रखरखाव लागत",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/google-pay-flex-axis-bank-credit-card",
  "affiliateId": "axis-google-pay-flex-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Google Pay Flex Credit Card schedule of charges",
    "Google Pay Flex Rewards — Stars booster rewards and statement offset terms"
  ],
  "feeWaiver": "बिना किसी शर्त के आजीवन मुफ्त",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "शीर्ष बूस्टर दर",
      "value": "8X स्टार्स (8 स्टार्स / ₹500 = 1.6%)"
    },
    {
      "key": "स्टार का मूल्य",
      "value": "1 स्टार = ₹1.00 (स्टेटमेंट डिस्काउंट)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "₹500 (₹250 वाउचर + 250 स्टार्स)"
    },
    {
      "key": "UPI इंटीग्रेशन",
      "value": "Google Pay RuPay डायरेक्ट लिंक"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "key": "ईंधन छूट",
      "value": "1% सरचार्ज माफी"
    }
  ],
  "earnRates": [
    {
      "category": "मासिक खर्च > ₹30,000 (8X बूस्टर)",
      "rate": "1.6% (8 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / माह",
      "perLakhSpent": "1,600 Stars (अधिकतम 1,500 Stars/माह)"
    },
    {
      "category": "मासिक खर्च > ₹15,000 (4X बूस्टर)",
      "rate": "0.8% (4 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / माह",
      "perLakhSpent": "800 Stars (₹800 मूल्य)"
    },
    {
      "category": "मासिक खर्च < ₹15,000 (2X बेस बूस्टर)",
      "rate": "0.4% (2 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / माह",
      "perLakhSpent": "400 Stars (₹400 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 Stars"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "मासिक खर्च >₹30k",
      "multiplier": "8X",
      "rate": "1.6%",
      "monthlyCap": "1,500 Stars / माह",
      "dailyCap": "—",
      "note": "प्रति ₹500 पर 8 स्टार्स।"
    },
    {
      "channel": "मासिक खर्च >₹15k",
      "multiplier": "4X",
      "rate": "0.8%",
      "monthlyCap": "1,500 Stars / माह",
      "dailyCap": "—",
      "note": "प्रति ₹500 पर 4 स्टार्स।"
    },
    {
      "channel": "Google Pay UPI स्कैन",
      "multiplier": "2X",
      "rate": "0.4%",
      "monthlyCap": "1,500 Stars / माह",
      "dailyCap": "—",
      "note": "प्रति ₹500 पर 2 स्टार्स।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Google Pay स्टेटमेंट डिस्काउंट",
      "value": "₹1.00 / Star",
      "minPoints": "1 Star",
      "ceiling": "1,500 Stars / माह",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (आजीवन पूर्णतः मुफ्त)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (55.55% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आवेदन मोड",
      "requirement": "Google Pay ऐप के माध्यम से केवल आमंत्रण (Invite-only)"
    },
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "Google Pay खाता",
      "requirement": "सक्रिय भारतीय Google Pay प्रोफाइल"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}