Axis Bank Google Pay Credit Card: Complete Guide, Benefits, Eligibility & How to Apply (2025)

Introduction

The way Indians use credit cards has changed rapidly in recent years. Today, users don’t just want a credit card—they want smart rewards, instant tracking, seamless payments, and full digital control. That’s exactly where the Axis Bank Google Pay Credit Card stands out.

Designed for everyday spenders who rely heavily on UPI and digital payments, the Axis Bank Google Pay Credit Card combines the trust of Axis Bank with the convenience of Google Pay. From cashback on daily transactions to effortless bill payments and real-time expense tracking, this card is built for modern lifestyles.

In this detailed guide, you’ll learn everything you need to know about the Axis Bank Google Pay Credit Card—features, benefits, eligibility, rewards, fees, application process, pros, cons, and whether it’s worth applying for in 2025.

What Is Axis Bank Google Pay Credit Card?

The Axis Bank Google Pay Credit Card is a co-branded credit card launched by Axis Bank in partnership with Google Pay. It is designed specifically for users who frequently make payments via Google Pay for shopping, bills, recharges, food, travel, and everyday expenses.

Unlike traditional credit cards that focus mainly on travel or luxury benefits, this card focuses on cashback, digital convenience, and daily usage rewards.

Key Highlights:

• Integrated with Google Pay app

• Cashback-focused rewards

• Easy tracking of expenses

• Designed for UPI-first users

• Suitable for beginners and salaried professionals

Why Axis Bank Google Pay Credit Card Is Trending in 2025

The popularity of the Axis Bank Google Pay Credit Card has increased due to three major reasons:

1. Rise of UPI & Digital Payments
   Millions of Indians use Google Pay daily. A credit card that fits directly into this ecosystem makes perfect sense.

2. Cashback Over Points
   Users prefer instant cashback instead of complicated reward points systems.

3. Beginner-Friendly Credit Card
   Many first-time credit card users find this card easier to manage and understand.

Key Features of Axis Bank Google Pay Credit Card

1. Seamless Google Pay Integration

• Card is fully manageable inside the Google Pay app

• Track transactions in real time

• View statements instantly

• Pay bills, recharge, and shop online easily

2. Cashback-Based Reward System

• Earn cashback on eligible spends

• Cashback credited directly to the statement

• No complicated redemption process

3. Contactless Payments

• Supports tap-and-pay

• Faster checkout at stores

• Secure NFC transactions

4. Zero Joining Fee (Limited Period)

• Often offered with zero joining fee

• Annual fee waived on minimum spend criteria

5. Smart Spend Insights

• Google Pay shows spending patterns

• Helps in budgeting and expense control

Axis Bank Google Pay Credit Card Rewards & Cashback Structure

One of the strongest reasons to choose the Axis Bank Google Pay Credit Card is its simple and transparent reward structure.

Cashback Categories (Indicative)

Note: Cashback percentages may vary based on offers and promotional periods.

Axis Bank Google Pay Credit Card Eligibility Criteria

Before applying, ensure you meet the eligibility requirements.

Age Criteria

• Minimum: 21 years

• Maximum: 60 years

Income Requirement

• Salaried or self-employed individuals

• Stable monthly income preferred

Credit Score

• Recommended credit score: 700+

• First-time users may still be eligible based on Axis Bank policies

Employment Type

• Salaried professionals

• Self-employed business owners

• Freelancers with income proof (case-based)

Documents Required for Application

Applying for the Axis Bank Google Pay Credit Card is completely digital and paperless in most cases.

Required Documents:

• PAN Card

• Aadhaar Card or address proof

• Income proof (salary slips / bank statement)

• Passport-size photo (digital)

How to Apply for Axis Bank Google Pay Credit Card (Step-by-Step)

Step 1: Open Google Pay App

Make sure you have the latest version installed.

Step 2: Go to Credit Cards Section

Look for Axis Bank Google Pay Credit Card under offers.

Step 3: Check Eligibility

Enter PAN details and verify basic information.

Step 4: Complete KYC

• Video KYC or document upload

• Address verification if required

Step 5: Approval & Card Dispatch

• Instant approval for eligible users

• Physical card delivered within 7–10 working days

Axis Bank Google Pay Credit Card Fees & Charges

Understanding fees is essential before choosing any credit card.

Common Charges

Always pay bills on time to avoid interest and penalties.

Benefits of Axis Bank Google Pay Credit Card

1. Perfect for Daily Spending

From groceries to online shopping, this card rewards everyday usage.

2. Ideal for Beginners

Simple rewards system and easy management make it beginner-friendly.

3. Digital Control

No need for separate banking apps—everything inside Google Pay.

4. Trusted Bank & Platform

Axis Bank + Google Pay = reliability and security.

5. Cashback Instead of Points

Direct value without confusion.

Limitations of Axis Bank Google Pay Credit Card

While the card is excellent for daily use, it may not suit everyone.

Cons:

• Limited travel benefits

• Not ideal for luxury rewards

• Cashback caps may apply

• Fewer airport lounge access benefits

Axis Bank Google Pay Credit Card vs Other Cashback Cards

Comparison Snapshot