SBI Card and Google announced the Google Pay Flex SBI Card on July 29, 2026. Available through the Google Pay app on RuPay and Visa, it has a ₹499 joining and annual fee plus applicable taxes; the renewal fee is waived if you spend at least ₹1 lakh in the preceding year. RuPay users can also make UPI QR payments and redeem Stars against Flex payments, while EMI conversion is subject to eligibility and may cost extra.
What is the Google Pay Flex SBI Card?
It is a co-branded credit card from SBI Card and Google, offered in the Google Pay app. Google says applicants can apply in-app without physical paperwork; SBI Card reviews the application and issues the card digitally if approved. Eligibility depends on the issuer’s criteria and the applicant’s credit profile. Google announced the card on July 29, 2026, and SBI Card’s media index lists launch coverage on July 29 and 30.
The card is available on either the RuPay or Visa network. Google describes online and in-store card purchases on both networks. UPI QR payments are available for the RuPay version.
Fees and the annual-spend waiver
Google Pay Help and SBI Card list a joining/annual fee of ₹499 plus applicable taxes and a renewal fee of ₹499 plus taxes. SBI Card waives the renewal fee when the cardholder spent at least ₹1 lakh in the preceding year. That is a conditional renewal waiver, not a no-fee card offer.
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1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesGoogle says there are no hidden fees, but that does not mean borrowing or late payment is cost-free: late payment fees follow the issuer’s policy, and EMI processing fees may apply. Check the current SBI Card terms for applicable charges.
RuPay versus Visa: UPI and Stars
Both network versions support online and in-store purchases, according to Google. Choose RuPay if UPI QR payments or redeeming Stars against Flex payments matters to you. Google’s Help page limits redemption of Stars against Flex payments in Google Pay to RuPay-network cards; do not assume this redemption option applies to Visa. Google also says Stars can be used to buy gift cards in the app.
Google describes Stars as reward points earned on eligible Flex payments and said at launch that 1 Star equals ₹1. Eligibility and redemption rules can affect the value you actually receive, so review the current in-app terms rather than treating each Star as cash.
How EMI conversion works—and what it can cost
Google Pay says eligible transactions from the latest bill may be converted into EMI, subject to issuer eligibility. Its bill-management guidance lists 3-, 6-, 9- and 12-month tenures. Conversion can require an upfront payment and carries interest and a processing fee. SBI Card’s Pay in EMI terms describe an offer for selected eligible customers and eligible retail transactions from the latest bill through Google Pay.
Rank #3
- RFID Protection: An electromagnetically opaque layer helps block unauthorized scans, protecting credit card, debit card, and passport information from nearby readers; This RFID blocking card helps prevent digital skimming by shielding your wallet from electronic theft
- Threats Stay Outside: Digital pickpockets use hidden readers to skim contactless cards in crowds, transit and checkout lines; This credit card protector works as an RFID blocker the moment it's placed in your purse or wallet, stopping electronic theft before it occurs
- Invisible Yet Active: Ultra-thin and sized to fit any wallet slot, this rfid blocking card adds no bulk; Invisible protection helps shield your debit cards and IDs from electronic skimming without changing the way you carry your wallet
- One Card Protects All: Forget slipping every card into a separate RFID sleeve, just one RFID blocking card protects every contactless card, passport, and license all at once; Carry it in a purse, travel pouch or cardholder and stay shielded at airports, transit hubs and during daily commutes
- Drop and Defend: Keep the RFID blocking card in your wallet or travel bag, or save it as a backup; Simply insert it alongside your credit and debit cards for immediate protection against identity theft — no charging, no setup
Availability and final costs depend on eligibility and current issuer terms. Google identifies paying the full bill as the recommended way to avoid interest charges. Compare the total repayment, including interest, any upfront amount and processing fee, with the cost of paying the bill in full before choosing EMI.
Managing the card and understanding credit-score effects
Google Pay says Flex customers can view bills, amounts due, transactions and Stars in the app, and can pause or block the card. Google’s Help materials also describe spending-limit controls for an Axis Bank Flex card only; they do not establish that this control is available for the SBI card.
Rank #4
- Secure Your Information: Simply insert the RFID blocking card into your wallet to protect against digital pickpocketing. Block unauthorized scanning of your contactless cards, including credit/debit cards, passports, driver's licenses - to safeguard your identity and financial security
- Effective Protection: Our RFID blocking card utilizes advanced electromagnetic shielding technology, which features an embedded antenna mesh and chip that instantly detects and scrambles scanning attempts, providing consistent and reliable protection for the entire wallet
- Ultra Slim & Easy to Use: Credit-card-sized and just 0.03 inches (0.76 mm) thick, it slips easily into your wallet, purse or card holder adding no bulk. No charging or batteries needed. It will not demagnetize other cards, nor interfere with your phone signals
- A Thoughtful Gift: Give the practical gift of security. Effortlessly protecting your loved ones from digital theft – offering instant peace of mind, which is a truly meaningful way to show your care
- Test the Card: Test our RFID blocking card at self-checkout: Layer your contactless card with our RFID card on the reader - payment fails instantly, error message pops up
Google says Flex credit usage is reported to credit bureaus such as CIBIL. In Google’s product guidance, timely payments may help build positive credit history, while missed payments or high credit utilization may hurt a score. These are possible effects, not a guaranteed score outcome.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Announced discounts: check whether they are live
In its launch post, Google said Flex customers would soon be eligible for 50% off Google AI Plus for one year and could get a discount across the Google Pixel smartphone range. The announcement does not establish that either offer is currently available or set out detailed terms. Check the current offer conditions before relying on a discount.
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Best Value
- This Credit Card Holder is made of aluminum shells, ABS plastic frame and clasp closure, RFID-blocking will protect your card data from RFID scanners and readers.
- The Size is 4.33 x 2.95 x 0.73 inches, Slim and small exterior design, are fit in your front pocket,suitable for travel and business carrying.
- Latches Safely and Securely when not in use. Rounded corner wouldn't damage on your clothes. With 7 accordion Slots, Capacity for up to more than 9 credit cards or more than 21 business cards.
- There are various patterns to choose from on the aluminum shell, including flowers, animals, and landscapes, to match your versatile style.
- This is an ideal gift that can express your thoughtfulness and kindness. Suitable for any day you want to express love on, such as Valentine's Day, birthdays, Mother's Day, etc.
How to decide if the card fits
- Fee: Account for the ₹499 annual fee plus taxes and whether your spending is likely to reach the ₹1 lakh threshold for a renewal-fee waiver.
- Network: RuPay is the relevant option if you want UPI QR payments or Stars redemption against Flex payments. Both RuPay and Visa are described for online and in-store card purchases.
- Rewards: Review which transactions earn Stars and how you can redeem them. The stated ₹1-per-Star value does not make Stars interchangeable with cash.
- Repayment: If you may use EMI, assess the interest, processing fee, upfront payment and eligibility before converting a bill.
This is not a like-for-like fee comparison with the Axis Flex card: Google’s Help page lists Axis at nil fees, while the SBI version has a fee and a conditional renewal waiver. Compare the applicable card terms rather than assuming identical pricing or features.
Quick Recap
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