Google Pay Credit Card Offers, Eligibility & More

author Sameer Content Writer

Google Pay is one of the leading UPI-based apps in India. The payments app is popular for its exciting rewards. Do you know Google Pay has also launched a credit card in India? You can apply for the Google Pay Credit card in a few simple steps.

The credit card is launched in collaboration with Axis Bank. Users get an unlimited cashback of 4-5% across categories such as recharge, bill payment, food ordering, online groceries, etc. 

So let us take a look at the eligibility criteria, annual fee, and benefits of this credit card. You can also check how to apply for Google Pay Credit Card.

Meanwhile, you can add debit/credit cards on Google Pay to earn extra cashback on mobile recharge, bill payments, and more.



Google Pay Credit Card in India

Google Pay has launched a credit card in collaboration with Axis Bank and Visa. Google Pay AXIS credit card has been designed with the growing demand for digital payments. Users can link the credit card on Google Pay and earn 5% cashback on categories such as mobile recharge and bill payments. 

There is also 4-5% cashback on food ordering, cab rides, grocery delivery, etc. The cashback is applicable on partner merchants like Swiggy, Zomato, Grofers, BigBasket, and Ola. Google pay credit card offers unlimited 2% cashback on all other transactions. 

Google Pay Axis Credit Card enables a complete digital experience for users. The entire journey is online. Customers can apply for the Google Pay credit card online by submitting the application digitally. The cashback will be credited directly to the Ace Credit Card account of users. 

Note: If you want to know more about Google Pay Holi Stamp Offer then CLICK HERE.

Get Google Home Mini Speaker for Rs. 1 With Google Pay Credit Card [Expired]

With the Google Pay Credit Card offer, you can get a Google Home Mini speaker worth Rs. 4,999 at just Rs. 1. The user has to unlock this offer by doing his first transaction with the Google Pay credit card within 45 days of activation. This offer is valid till 15th June 2021. 

  • Open the Google Pay app to confirm if you’re eligible for this offer.

  • If you see the offer banner, you're eligible.

  • Now, click on that “banner” to open the credit card application form.

  • Submit your credit card application.

  • Wait for the approval of your credit card.

  • Make the first transaction within 1st 45 days of card issuance.

  • Once you make the qualifying spend, you’ll Get Google Home Mini at Rs 1 voucher within 10 days.

  • Go to the “Reward” section on the app to see the voucher to buy Google Home Mini at Rs 1 price.

To check the steps on “How To Remove Bank Account From Google Pay?”, click here


Google Pay Tap and Pay Feature For Credit and Debit Card Users

When a user adds a credit or debit card as a payment method on Google Pay, the service will create a 'token'. The token that used in place of your real card number for transactions. This method actually helps keep the financial info of users safe. Google Tap to Pay feature is available for select bank credit and debit cards only. 

The tokenization feature allows users to use the credit card via a secure digital token attached to their phone, there is no need to share the card physically. 

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google pay axis card

How to Apply for Credit Card on Google Pay?

  • Visit the offer page from here

  • Fill the credit card application form

  • Review your personal information and make sure your information is correct. 

  • Click on “Call Me” button

  • Tap Continue to proceed.

  • Verify the card delivery address.

  • Review your credit card Terms and Conditions.

  • Tap Continue to submit your application.

Google Pay Credit Card Charges


Joining Fees

Rs. 499

Annual Renewal Fees

Rs. 499

Joining Fee Reversal

Spend More than INR 10000 within 45 Days of Card Issuance

Annual Fee Waiver

Spend More than INR 2 Lakh in the previous year.

Add-On Card Fee


Finance Charges

Up to 3.4% Per Month or 49.36% Per Annum

Cash Transaction Fee

2.5% of the Cash with a minimum of ₹500

Late Payment Fee

·Minimum Late Payment Fees is Rs. 100
·Maximum Late Payment Fees is Rs. 700

Overlimit Charges

3% of the over-limit with a minimum of Rs. 500

Cash Payment Charge

Rs. 100

Google Pay Credit Card Eligibility

The credit card is applicable for select users at the time. You can check eligibility from the Google Pay App. Users can also apply for the Google Pay Axis Credit card from the Axis bank website. The eligible users can submit the online application. If the credit card application is approved you will receive a notification on your registered mobile number. 
Documents Required For Google Pay Credit Card

  • PAN card photocopy

  • Color photograph

  • Latest payslip/Bank statement/Form 16/IT return copy as proof of income.

  • Residence proof (any one of the following)

  • Passport

  • Driving License

  • Voter ID Card

  • Aadhaar card

Identity proof (any one of the following):

  • Passport

  • Driving license

  • Voter ID Card

  • Aadhaar card

  • PAN card

Google Pay Credit Card Fee

The joining fee for Google Pay credit card is Rs. 499. As a part of the introductory offer, the joining fee was waived off for all applicants in 2020. If you can apply for the credit card now, you need to pay Rs. 499 as the joining free. However, joining fee reversal is applicable on spends of Rs. 10,000 within 45 days of card issuance. 

The annual fee is also Rs. 499. You get an annual fee waiver on spends of Rs. 2 lakh in the year. 

Google Pay Credit Card Cashback

  • Unlimited 5% cashback on Recharges & Bill Pay transactions (electricity, internet, gas, DTH, mobile recharge, and more) through Google Pay

  • Unlimited 4% cashback on online food delivery - Zomato, Swiggy, and cab rides – Ola

  • Unlimited 2% on all other transactions (exclusion of EMI, wallet load, cash withdrawal, and fuel transactions)

Additional Benefits of Google Pay Axis Credit Card

  • Joining fee reversal on spends of Rs 10,000 and above within 45 days of issuance

  • Annual fee waiver at Rs 2 lakh spends in the yea

  • 1% fuel surcharge waiver

  • Complimentary lounge access 4 times a year at participating domestic airports


  • 5% cashback on recharge and bill payments on Google Pay
  • 4% cashback on Swiggy, Zomato & Ola
  • 2% cashback on all other spend
  • Annual fee waiver on spends over Rs. 2 lakh


  • Not much

Google Pay Credit Card vs Flipkart Credit Card vs Amazon Pay Credit Card

Google Pay Axis Credit Card
Flipkart Axis Bank Credit Card
Amazon Pay ICICI Credit Card

Annual Fee

Rs. 499

Rs. 500


Default Cashback




Accelerated Cashback

5% cashback on the utility bill payment on Google Pay

4% cashback on Swiggy, Zomato, and Ola

5% cashback on Flipkart, Myntra & 2GUD

4% cashback on MakeMyTrip, PVR, Uber & more

5% cashback on Amazon for PRIME customers

3% cashback on Amazon for Non-Prime Customers

2% cashback on Amazon Pay Partner Merchants

Lounge Access

4 domestic lounge visits in a year

4 domestic lounge visits in a year


Google Pay Credit Card Review

If you compare it with the Paytm SBI card which comes with similar benefits as well. Meanwhile, Paytm is providing Rs. 500 cashback as a welcome benefit as well. 

In recent years, we have seen co-branded credit cards from Amazon, Flipkart, Paytm, and Ola. Recently, Paytm introduced a new co-branded credit card in collaboration with SBI Bank. Earlier, they had launched a credit card "Paytm First Card" in collaboration with Citi Bank. 

Amazon has launched its credit card in collaboration with ICICI Bank. While Flipkart has partnered with Axis Bank to launch its credit card. Google Pay is offering 5% cashback to users on recharge and bill payments via its app.


How to add a credit card to your Google Pay account?

  • Open the Google Pay app on your device

  • Go to the profile section

  • Next tap Settings>Payment methods >Add card.

  • Enter the card number, expiry date, CVV, and the cardholder's name and billing address.

  • After filling up the details tap Save.

  • Next, you need to accept issuer Terms & conditions.

  • Choose how you will verify.

  • Enter the OT for verification

  • Tap Activate and enter your One-time password.

Google Pay Credit Card Offer

Earn up to Rs. 570 cashback with Google Pay Credit card offer on mobile recharge and bill payment. This offer is available across three transactions. Users will get Rs. 70 cashback on first transaction and Rs.20 to Rs. 500 on the third transaction during the offer period. The minimum transaction for Google Pay offer is Rs. 199. You can find the option to add a credit card to your account from the profile section. The offer is valid for select bank Visa Cards only ( Axis, Kotak, SBI, and HSBC).

For Any Queries Related to Google Pay Credit Card Contact Axis Bank customer care

Phone Number: 1860-419-1919

Contact Email: [email protected]

Google Pay Axis Credit Card offers good rewards which will be given in form of cashback. There is no capping on cashback. The credit card is most beneficial for utility bill payments. You get an annual fee waiver on the card. Also, the joining is reversed on spends of Rs. 10,000 in the first 45 days. All the benefits make it a good choice.  

Frequently Asked Questions

What is Google Pay Credit Card?

Google Pay has launched a credit card in collaboration with Axis Bank. The credit card comes with many benefits such as 5% cashback on recharge and bill payments. There is 4% cashback on select merchants such as Swiggy, Zomato, and Ola.

How to apply for Google Pay Credit Card?

You can apply for the credit card via Google Pay. The credit card is available for select users. You can also submit online application from Axis Bank website.

How to check eligibility for Google Pay Credit Card?

Submit the credit card application form and wait for the response to check eligibility. 

Can Google pay be paid with credit card?

Yes, you can add your credit/debit card to your Google Pay account. Tap on the profile photo and from the payment modes select add a new card. Enter your credit card details and verify with OTP. 

About Author



Content Writer

I’m an engineer that accidentally fell in love with words. I write about things that I like and things that I don’t, mainly in the online shopping sphere.

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