Travel on Points

Google Pay Flex SBI Card

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  • Joining fee

    ₹499 + GST

  • Annual fee

    ₹499 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    2 Stars for Every ₹500 Spent on Spending ₹100 or More in the Previous Billing Cycle, 1 Star Every ₹500 Spent

  • Welcome benefits

    ₹250 Gift Card and 250 Stars on Google Pay App (RuPay Variant), 500 Stars on Google Pay (Visa Variant), and an Additional 500 Stars on Google Pay When You Pay the Joining Fee Through the Google Pay App

  • Reward redemption

    Redeem Stars for Payments Via Google Pay; 1 Star = ₹1

Fees & charges

  • Spend-based waiver

    Annual Fee Waived Off on Annual Spends of ₹1 Lakh or More

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    3.75% Per Month (45% Per Annum)

  • Fuel surcharge waiver

    1% Fuel Surcharge Waiver

  • Cash advance charges

    2.5% or ₹500

Product highlights

  • Comes with a joining fee of ₹499 + GST and an annual fee of ₹499 + GST.
  • One Star is worth ₹1 and can be redeemed through the Google Pay app.
  • Cardholders can earn up to 8 Google Pay Stars for every ₹500 spent after achieving the spending milestone.
  • The maximum reward that can be earned in a reward cycle is 1,500 Google Pay Stars.
  • Eligible purchases can be converted into easy monthly installments through the EMI facility.
  • The card can be managed conveniently through the Google Pay app.

Pros & cons

Pros

  • Offers accelerated rewards through milestone spending, allowing cardholders to earn up to 8 Google Pay Stars for every ₹500 spent, with each Star worth ₹1 and redeemable directly through the Google Pay app.

Cons

  • The card is not a great choice for low spenders, as it charges an annual fee of ₹499 + GST while the best reward rates are available only after meeting higher monthly spending thresholds.

FAQs

What are the joining and annual fees for the Flex SBI Credit Card?

The card comes with a joining fee and annual fee of ₹499 + GST.

What is the value of 1 Star?

1 Star = ₹1, which can be redeemed through the Google Pay app.

Is there a limit on the number of Stars I can earn?

Yes, you can earn a maximum of 1,500 Google Pay Stars in a single reward cycle.

Does the card offer EMI conversion?

Yes, eligible transactions can be converted into EMIs, giving you more flexibility in managing large purchases.