The Google Pay Flex SBI Card charges a ₹499 joining fee and a ₹499 annual renewal fee, plus applicable taxes. The renewal fee is waived if you spend at least ₹1 lakh in the preceding year. Its published base earn rate is 1 Google Pay Star per ₹500 of cumulative spending, with additional cycle-based boosters and different welcome offers for RuPay and Visa cards. Google Pay does not publish a complete SBI-specific eligibility checklist; SBI Card makes the approval decision.
What the Google Pay Flex SBI Card costs
Google Pay lists a ₹499 joining fee and a ₹499 renewal fee, in each case plus applicable taxes. SBI Card’s official terms list the same fee and waiver threshold. The renewal fee is waived when spending reaches at least ₹1 lakh in the preceding year; this is a renewal-fee waiver, not a lifetime-free offer. See Google Pay’s Flex card fee information and SBI Card’s Most Important Terms and Conditions for current terms.
Google Pay says EMI conversion processing fees may apply, while late-payment fees follow the issuer’s policy. Its Flex overview is not a complete SBI charge schedule. Check the current SBI Card terms for applicable charges and interest before using the card or converting a purchase to EMI: Google Pay Flex help.
How the Stars rewards work
Google Pay states a base rate of 1 Star for every ₹500 of cumulative spending, with no minimum amount for an individual transaction. SBI Flex cardholders start at 2X for their first two reward cycles. After that, the stated 2X booster depends on spending at least ₹100 at eligible merchants in the previous cycle. Google Pay also describes cycle-spend boosters of 4X at ₹15,000 and 8X at ₹30,000. The 8X offer is stated to run through December 15, 2026; check the current offer terms because promotions can change. These details are in Google Pay’s Flex rewards information.
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Google Pay says each Star is worth ₹1 when redeemed toward eligible payments or discounts on vouchers. Stars can be used for eligible instant-cashback payments and to buy brand vouchers in Google Pay. Eligibility conditions and issuer merchant-category-code restrictions apply, so the headline Star value does not guarantee that every transaction earns or can use rewards. See the rewards terms and Google Pay’s eligible-payment and redemption information.
SBI RuPay and Visa welcome offers
Google Pay lists different SBI welcome rewards by network. The offers below are described on its setup page as worth up to ₹1,000, but the components and conditions differ. A welcome reward must be claimed within 30 days after receiving the card.
| Network | Offer listed by Google Pay | Conditions stated |
|---|---|---|
| RuPay | 750 Stars; a ₹250 gift card; and 500 additional Stars | 750 Stars on the first transaction. The gift card follows a ₹1 activation payment within 30 days. The additional Stars require three offline and two online transactions of at least ₹250 each. |
| Visa | 1,000 Stars on the first transaction | Includes 500 Stars toward the Year 1 joining-fee waiver. |
These are promotional terms, not permanent card benefits. Check the current offer and claim instructions on Google Pay’s card setup page before relying on them.
Who can get the card?
Google Pay’s reviewed application overview does not state an SBI Flex-specific minimum age, income, employment, residency or credit-score threshold. Do not assume that requirements for another SBI card apply to this one. Google Pay says the issuing bank assesses eligibility using its own criteria and the applicant’s credit profile; approval is not guaranteed by applying through Google Pay. Its wording is: “Your application will be reviewed by the issuing bank, who’ll assess eligibility based on their criteria and your credit profile.” See Google Pay’s Introducing Flex help page.
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
How to apply through Google Pay
- Open Google Pay and follow the in-app path to the Flex card application. Available offers or application access may depend on what is shown in your account.
- Enter the requested personal and employment details, then submit the application.
- Complete identity verification using Aadhaar and PAN as prompted.
- Wait for the issuing bank to review the application. Google Pay says it pairs an application with the partner bank offering the highest likelihood of approval, but the issuer decides whether to approve it.
Google Pay describes the application and approval process in its Flex overview. Follow the instructions displayed in the app, since application steps and availability can change.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to judge whether its rewards offset the fee
Compare the cost and rewards using your own eligible spending, not just the maximum multiplier or welcome-offer headline. The important checks are:
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
- Whether your annual spending is likely to meet the ₹1 lakh threshold for a renewal-fee waiver.
- How much of your spending falls within eligible categories and merchant codes, and whether it reaches the relevant reward-cycle thresholds.
- Whether you can use Stars for eligible payments or vouchers you would otherwise buy.
- Which network’s welcome offer applies to your card, whether you can complete its transaction conditions, and whether you can claim it within the stated window.
- The current fee, reward, redemption and charge terms published by Google Pay and SBI Card.
For a comparison with another card, use the same measures: joining and renewal fees after taxes, the spend needed for a fee waiver, reward value after eligibility and redemption restrictions, network-specific promotions and deadlines, supported payment modes, and the clarity of published eligibility requirements. Google Pay offers Flex in partnership with both SBI Card and Axis Bank; this article covers the SBI-issued variant only. Approval criteria are set by the relevant issuer, so the Axis variant should not be treated as interchangeable with SBI Flex. See Google Pay’s Flex overview.
Quick Recap
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.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
