RuPay Cashback Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic lounge visits per year (max 2 per calendar quarter).
- 2 complimentary international lounge visits per calendar year.
3.5%Forex markup
Best for
Rupay, UPI, Cashback, Dining, Grocery
Top rewards
Dining, Food Delivery, And Grocery Spends: 10% Cashback; Other Spends: 1% Cashback
Google Pay Flex Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Google Pay, Cashback, Dining, Lifetime Free
Top rewards
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)
| Feature | RuPay Cashback Credit Card | Google Pay Flex Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Axis Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 499 | Rs 0 |
| Annual fee | Rs 499 | Rs 0 |
| Fee waiver spend | Rs 2,00,000 | - |
| Reward type | Cashback | Cashback And Stars |
| Best for | Rupay, UPI, Cashback, Dining, Grocery | UPI, Google Pay, Cashback, Dining, Lifetime Free |
| Top reward categories | Dining, Food Delivery, And Grocery Spends: 10% Cashback; Other Spends: 1% Cashback | 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) |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 0 |
| International lounge | 2 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Unlock 2X stars in the current reward cycle by spending ₹100 or more in the previous cycle, Unlock promotional 4X stars after spending more than ₹15,000 in the current reward period, subject to Google Pay campaign terms, Unlock promotional 8X stars after spending more than ₹30,000 in the current reward period, subject to Google Pay campaign terms |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments | 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 |