Google Pay marked a major milestone by launching its first global credit card, Flex, on December 17, 2025, with India as the starting market. This launch reflects Google Pay’s aim to simplify credit access by blending it with everyday digital payments. The Flex card is designed for users who already rely on Google Pay and UPI for daily transactions, offering a smooth, app-based credit experience without traditional banking hurdles.
Key Highlights
- UPI-powered credit payments: Users can scan QR codes and pay via credit directly from Google Pay, combining the ease of UPI with the flexibility of a credit card, making everyday spending more seamless and familiar.
- Instant rewards system: Unlike traditional cards, rewards are credited instantly as “Stars” after each transaction, with 1 Star equal to Rs.1, allowing users to redeem benefits immediately on their next purchase.
- Fully digital control: From applying and receiving a virtual card to managing limits, EMIs, PINs, and card security, everything is handled inside the Google Pay app, ensuring speed, transparency, and user convenience.
Key Features and Benefits
The Google Pay Flex credit card is a fully digital, co-branded offering developed with Axis Bank and powered by the RuPay network. It stands out by allowing users to make credit payments through UPI QR code scanning, a first-of-its-kind approach. Rewards are simple and instant, with “Stars” credited right after each transaction. The card also gives users flexibility in repayments and full control through the app, removing the need for physical paperwork or branch visits.
Availability and Access
The Flex card rollout began on December 17, 2025, and is being released in phases. Interested users can join a waitlist directly within the Google Pay app. Eligible users may receive a virtual card within minutes, making the onboarding process quick and convenient. This phased launch helps Google Pay test and refine the service before expanding access more widely.