Yes Bank
Google Pay Flex Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Earn up to 8X Stars on Every UPI Spend via Google Pay
and earn 1 Star per ₹500 1 Star = ₹1, rising to 8 Stars per ₹500 on spends above ₹30,000 in a reward period, redeemable instantly as cashback
Earn Stars on All Purchases at your Favourite Online Apps
and stores earns Star with no minimum transaction amount, redeemed as instant cashback on the Google Pay app
Best For
Fuel
Shopping
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- UPI-first RuPay credit card available exclusively on the Google Pay app
- earn Stars on all eligible spends including fuel with no minimum transaction
- Unlock 2X (2 Stars per ₹500, on spending ₹100 or more in the previous cycle), 4X (4 Stars per ₹500, on spends above ₹15,000 in the reward period) and 8X (8 Stars per ₹500, on spends above ₹30,000 in the reward period)
- Redeem Stars instantly as cashback while paying on Google Pay
- Flexible repayment pay in full or convert transactions of ₹2,500 or more into easy EMI
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Star = ₹1
Redemption Options
Redeem Stars instantly as cashback while making a UPI payment using this card on the Google Pay app
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Wallet
Government spends
Insurance
Gold & Jewellery
Cash advances
For Spends Waiver
Wallet
Government spends
Insurance
Gold & Jewellery
Cash advances
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 55.54% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal Cash Withdrawal is not Applicable | Not Applicable |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| Above ₹10000 | ₹1200 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Earn up to 8X Stars on Every UPI Spend via Google Pay
and earn 1 Star per ₹500 1 Star = ₹1, rising to 8 Stars per ₹500 on spends above ₹30,000 in a reward period, redeemable instantly as cashback
Earn Stars on All Purchases at your Favourite Online Apps
and stores earns Star with no minimum transaction amount, redeemed as instant cashback on the Google Pay app
The smartest way to find your great credit card
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Company
We value your time and privacy. Your details stay secure and are used only to help you.