SimplifyCards take:A good fit if you want a card built for UPI, google pay, and dining, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
1 Star / ₹500 spent (0.2% return rate) on UPI payments on google pay, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for UPI, google pay, and dining, and you want your rewards as simple, no-tracking cashbackBottom line
It combines milestone rewards and no annual fee
Estimate your Cashback And Stars
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And Stars rates
| Category | Rate |
|---|---|
| UPI Payments On Google Pay | 1 Star / ₹500 spent (0.2% return rate) |
| Other Eligible Retail Spends | 1 Star / ₹500 spent (0.2% return rate) |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
MilestoneUnlock 2X stars in the current reward cycle by spending ₹100 or more in the previous cycle
2
MilestoneUnlock promotional 4X stars after spending more than ₹15,000 in the current reward period, subject to Google Pay campaign terms
3
MilestoneUnlock promotional 8X stars after spending more than ₹30,000 in the current reward period, subject to Google Pay campaign terms
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Welcome reward includes ₹250 gift card and 250 stars on Google Pay, subject to Google Pay offers
Additional benefits
- Earn 1 star for every cumulative ₹500 spent on eligible spends, including fuel
- 1 star equals Re 1 and can be redeemed instantly while making UPI payments using this card on Google Pay
- Earn 2 stars per ₹500 in the first reward period
- Flexible repayment from Google Pay app, including full payment or EMI subject to bill amount and eligibility
- Up to 15% off on dining via EazyDiner, capped at ₹500 per month
- Convert transactions of ₹2,500 or more into EMI
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
Eligibility
Check this before you apply
Salaried
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Google Pay app (invite-only rollout)
Self-employed
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Google Pay app (invite-only rollout)
Exclusions
Spending that does not earn cashback and stars
- Rent payments
- E-wallet loading transactions
- Educational institution payments via third-party apps
- Online skill-based gaming spends
- Cash withdrawal and financial services transactions
- Gift cards
- Tolls and FASTag
Compare before you decide
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