{
  "id": "axis-google-pay-flex-credit-card",
  "locale": "hinglish",
  "name": "Google Pay Flex Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (100% Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Up to 8X Booster Stars (1 Star = ₹1) on GPay UPI · ₹500 Welcome Gift · LTF",
  "bestFor": "Google Pay users, RuPay UPI QR scans, utility bill payments & zero annual fee lifestyle",
  "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": "Lifetime Free with zero conditions",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Top Booster Rate",
      "value": "8X Stars (8 Stars / ₹500 = 1.6%)"
    },
    {
      "key": "Star Value",
      "value": "1 Star = ₹1.00 (Statement offset)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 (₹250 Voucher + 250 Stars)"
    },
    {
      "key": "UPI Integration",
      "value": "Native Google Pay RuPay Link"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends > ₹30,000 (8X Booster)",
      "rate": "1.6% (8 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / month",
      "perLakhSpent": "1,600 Stars (Capped at 1,500 Stars/mo)"
    },
    {
      "category": "Monthly Spends > ₹15,000 (4X Booster)",
      "rate": "0.8% (4 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / month",
      "perLakhSpent": "800 Stars (₹800 value)"
    },
    {
      "category": "Monthly Spends < ₹15,000 (2X Base Booster)",
      "rate": "0.4% (2 Stars / ₹500)",
      "monthlyCap": "1,500 Stars / month",
      "perLakhSpent": "400 Stars (₹400 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Stars"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Monthly Spend >₹30k",
      "multiplier": "8X",
      "rate": "1.6%",
      "monthlyCap": "1,500 Stars / month",
      "dailyCap": "—",
      "note": "8 Stars per ₹500 spent."
    },
    {
      "channel": "Monthly Spend >₹15k",
      "multiplier": "4X",
      "rate": "0.8%",
      "monthlyCap": "1,500 Stars / month",
      "dailyCap": "—",
      "note": "4 Stars per ₹500 spent."
    },
    {
      "channel": "Google Pay UPI Scans",
      "multiplier": "2X",
      "rate": "0.4%",
      "monthlyCap": "1,500 Stars / month",
      "dailyCap": "—",
      "note": "2 Stars per ₹500 on QR scans."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Google Pay Statement Offset",
      "value": "₹1.00 / Star",
      "minPoints": "1 Star",
      "ceiling": "1,500 Stars / month",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Application Mode",
      "requirement": "Invite-only via Google Pay app"
    },
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Google Pay Account",
      "requirement": "Active Indian Google Pay profile"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}