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Google Pay Flex SBI Card: Fees, Rewards and Eligibility

The Google Pay Flex SBI Card charges ₹499 plus taxes to join and renew, with renewal waived after ₹1 lakh of prior-year spending. Learn how Stars, welcome offers and issuer approval work.
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The Google Pay Flex SBI Card has a ₹499 joining fee and a ₹499 annual renewal fee, plus applicable taxes. SBI waives the renewal fee if you spend at least ₹1 lakh in the preceding year. Its published base reward rate is 1 Google Pay Star per ₹500 in cumulative spending, with additional earn-rate boosters subject to reward-cycle spending and other terms. Approval is not guaranteed: the issuing bank assesses each application against its criteria and the applicant’s credit profile.

What the SBI Flex card costs

Fee or condition Amount or rule
Joining fee ₹499 plus applicable taxes
Renewal fee ₹499 plus applicable taxes
Renewal-fee waiver Spend at least ₹1 lakh in the preceding year

Google Pay lists these amounts for the SBI variant, and SBI Card’s terms corroborate the fee and waiver threshold. The card is therefore not lifetime free on the published terms; the renewal fee is conditional on meeting the annual-spend waiver requirement. See Google Pay’s bill-management information and SBI Card’s Most Important Terms and Conditions for current details.

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Google Pay’s general Flex help says EMI-conversion processing fees may apply and late-payment fees follow the issuing bank’s policy. Its overview does not provide a complete SBI-specific charge schedule. Check the current SBI Card terms for applicable charges, interest and payment conditions before applying.

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How Google Pay Stars work on the SBI card

The published base rate is 1 Star for every ₹500 of cumulative spending; there is no minimum amount for an individual transaction. SBI cardholders start at 2X for their first two reward cycles. After those cycles, the stated 2X booster depends on spending at least ₹100 at eligible merchants in the previous cycle.

Cycle-spend boosters

Spend in a reward cycle Published earn-rate detail
Base rate 1 Star per ₹500 cumulative spend
First two reward cycles SBI starts at 2X
₹15,000 Google Pay describes a 4X booster
₹30,000 Google Pay describes an 8X booster, stated to run through December 15, 2026

The higher rates are described as boosters, not a simple unconditional return on every purchase. Eligible merchants, reward-cycle rules and issuer merchant-category-code restrictions affect what qualifies. Google Pay says a Star is worth ₹1 when redeemed toward eligible payments or voucher discounts; Stars can be used for eligible instant-cashback payments and to buy brand vouchers in Google Pay. Read the current Google Pay Flex rewards and redemption terms before treating the headline multiplier as the value you will receive.

SBI RuPay and Visa welcome offers

Google Pay lists different SBI welcome offers by card network. The offers below are described as worth up to ₹1,000 on Google Pay’s setup page; the RuPay offer requires several qualifying actions, while the Visa offer is tied to the first transaction.

Network Offer listed by Google Pay
RuPay 750 Stars on the first transaction; a ₹250 gift card after paying ₹1 during activation within 30 days; and 500 extra Stars after completing three offline and two online transactions of at least ₹250 each
Visa 1,000 Stars on the first transaction, including 500 Stars toward the Year 1 joining-fee waiver

Google Pay says the welcome reward must be claimed within 30 days after receiving the card. Offers are promotional and can change, so confirm the current claim window, qualifying transactions and network-specific terms in the Google Pay card setup information before relying on them.

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Who can qualify, and how to apply

Google Pay does not state a complete SBI-specific checklist of minimum age, income, employment, residency or credit-score requirements in its reviewed application overview. It says the issuing bank decides using its own criteria and the applicant’s credit profile. As Google Pay puts it: “Your application will be reviewed by the issuing bank, who’ll assess eligibility based on their criteria and your credit profile.”

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During the Google Pay application, you provide personal and employment details, submit the application and complete identity verification with Aadhaar and PAN. Google Pay says it pairs an application with the partner bank offering the highest likelihood of approval, but the issuer makes the final decision. The Flex offer is available through partnerships with SBI Card and Axis Bank; the fees and offers in this article concern the SBI-issued variant, not the separate Axis Bank Flex card.

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How to judge whether the card fits

Compare the cost you are likely to pay against rewards you can actually earn and redeem. In particular, check the annual spend needed to avoid renewal fees, whether your spending qualifies for a cycle booster, which welcome offer matches your network, and whether your intended redemption is eligible. When comparing the SBI card with another card, use the same measures: fees after taxes, waiver threshold, reward and redemption conditions, offer deadlines, supported payment modes and published eligibility information. Avoid comparing headline Star multipliers alone.

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