# Google Pay Launches UPI-Powered Flex Credit Card in India

URL: https://technosports.co.in/google-pay-upi-powered-flex-credit-card/  
Published: 2025-12-18  
Updated: 2025-12-18  
Author: Hardik Dhamija

Google Pay has entered India’s co-branded credit card market with Flex by Google Pay, partnering with Axis Bank to launch a UPI-powered digital credit card on the RuPay network. This marks a significant push to expand credit access in a country where fewer than 50 million hold credit cards.

![Google Pay](https://images.technosports.co.in/2025/12/Google-Pay-Flex-1.jpg)

## Google Pay Flex Card Key Features

| **Feature** | **Details** | **Benefit** |
| --- | --- | --- |
| Network | RuPay + [UPI](https://technosports.co.in/?s=UPI)Integration | Universal acceptance |
| Rewards | 1 Star = ₹1 | Instant redemption |
| Application | Zero cost, digital-only | Minutes to approval |
| Repayment | Full or EMI options | Flexible control |
| Management | In-app controls | Block/unblock instantly |

![](https://images.technosports.co.in/2025/12/Google-Pay-Flex-2-1.jpg)

## Instant Rewards Revolution

Unlike traditional credit cards where rewards are credited at billing cycle end, the Flex card offers real-time cashback redemption on the very next transaction. This differentiator positions Google Pay uniquely in the competitive UPI credit space.

Sharath Bulusu, Senior Director of Product Management at [Google](http://google.com)Pay, emphasized that while digital payments have become ubiquitous in India, transactional credit remains underpenetrated. Flex bridges this gap by making credit as simple as everyday UPI payments.

## Digital-First Application Process

The card features fully digital onboarding with no physical paperwork required, allowing users to receive a virtual card within minutes through the Google Pay app. Eligible users can apply at zero cost directly within the app.

![](https://images.technosports.co.in/2025/12/Google-Pay-Flex-3.webp)

## Market Competition Heats Up

PhonePe launched co-branded credit cards with SBI Card and HDFC Bank this year, while Cred rolled out an IndusInd partnership and super.money tied up with multiple banks. Co-branded credit cards accounted for 12-15% of India’s total credit cards in FY2024 and are projected to capture over 25% by 2028.

Arnika Dixit, President of Cards, Payments and Wealth Management at Axis Bank, stated that with UPI emerging as the preferred payment mode, they identified a clear opportunity to co-create a credit offering for digital-first consumers.

The rollout begins today via waitlist signup in the Google Pay app, with broader availability planned for coming months. For more fintech news, visit TechnoSports.

## FAQs

### **How do I apply for the Google Pay Flex credit card?**

Join the waitlist directly in the Google Pay app for digital approval within minutes.

### **What makes Flex rewards different from other credit cards?**

Rewards are credited instantly and redeemable on your very next transaction (1 Star = ₹1).