Google Pay Flex SBI Card Launched


SBI Card and Google Pay Launch Co-Branded Card


Google Pay Flex SBI Card Launch - (L to R) Kunal Guha, Managing Director, Commerce Partnerships, APAC, Google; Salila Pande, Managing Director & Chief Executive Officer, SBI Card; Sohini Rajola, Executive Director Growth, NPCI; Sharath Bulusu, Senior Director, Google Pay

FinTech BizNews Service

Mumbai, July 28, 2026: SBI Card and Google jointly announced the launch of ‘Google Pay Flex SBI Card’ as part of the Flex by Google Pay offering. The Google Pay Flex SBI Card is designed to simplify and elevate the everyday payment experience, delivering a convenient blend of rewards, flexibility, and security. The Google Pay Flex SBI Card turns everyday spending into rewarding experiences by enabling customers to earn Stars on all value purchases, with instant redemption at the time of payment, offering customers immediate value on spends.

SBI Card, India’s largest pure-play credit card issuer and Google, jointly announced the launch of ‘Google Pay Flex SBI Card’ as part of the Flex by Google Pay offering. The Google Pay Flex SBI Card is designed to simplify and elevate the everyday payment experience, delivering a convenient blend of rewards, flexibility, and security. This partnership brings together SBI Card’s trusted credit card expertise and Google Pay’s digital ecosystem to deliver a simple yet enhanced payments experience.

The Google Pay Flex SBI Card turns everyday spending into rewarding experiences by enabling customers to earn Stars on all value purchases, with instant redemption at the time of payment, offering customers immediate value on spends. Customers can earn up to 18,000 Stars as reward points yearly on everyday spends, while earning up to 8 Stars for every cumulative Rs500 spent. The credit card enables customers to earn reward points across a wide range of categories including groceries, bill payments, travel bookings, utility payments, shopping, and more, across online and in-store outlets. To offer financial flexibility, customers also have the option to convert their latest outstanding bill into convenient EMI’s.

Designed to simplify everyday payment experience, the credit card offers customers an integrated digital journey, enabling them to conveniently apply for the card, make payments, earn rewards, and manage their account within the Google Pay app.

The contactless credit card is available on the RuPay and VISA payment networks, offering cardholders the choice to select their preferred payment network. The RuPay variant can be linked to UPI, enabling seamless transactions across millions of UPI merchants nationwide. Both  variants can be tokenised on Google Pay for the convenience of tap-to-pay at millions of merchant outlets.

Salila Pande, Managing Director & Chief Executive Officer, SBI Card, said, “At SBI Card, our focus is on creating best-in-class products that make transactions simpler, seamless, and more relevant for our customers. Launch of the Google Pay Flex SBI Card is a significant step in that direction. By combining convenience, meaningful rewards, flexibility, and security, the distinctive card will redefine everyday payment experience in India. As India’s digital payment ecosystem continues to evolve, we remain committed to building more such innovative and customer-centric products that create long-term value.”

Sharath Bulusu, Senior Director, Google Pay, said “We are helping re-imagine credit for India with the Google Pay Flex SBI Card, to make it as ubiquitous and accessible as daily UPI payments. Available on both the RuPay and VISA payment networks, this digital credit card democratizes financial access, delivering instant application, flexible repayments, and instant rewards to empower millions with greater control over their daily finances.”

Google Pay Flex SBI Card Key Highlights:

The Google Pay Flex SBI Card offers a range of value-added benefits designed to enhance the customer experience. Cardholders receive a welcome gift worth Rs1000. Customers can also accelerate their rewards by earning up to 4 Stars for every Rs500 spent upon reaching Rs15,000 spends during the current billing cycle and avail up to 8 Stars for every Rs500 spent on achieving spends of over Rs30,000 in the current billing cycle. The joining and annual renewal fee of the card is Rs499 plus applicable taxes. The co-branded card also offers a spend-based renewal fee reversal on achieving annual spends of Rs1,00,000.

 Welcome Benefit: 

  • Welcome gift worth Rs500 will be credited on first payment via Google Pay
  • Additional Stars worth Rs500, on joining fee payment will be credited to Google Pay account

Reward Benefits: 

  • Activation Benefit: Earn 2 Stars for every Rs500 spent cumulatively on eligible transactions, during the first two reward cycles
  • Accelerated Program: Earn 2 Stars for every Rs500 spent cumulatively on eligible transactions, provided the minimum eligible amount spent is Rs100 in the previous statement cycle
  • Base Program: Cardholders shall earn 1 Star for every ₹500 spent cumulatively on eligible transaction categories using this credit card

Milestone Benefits:

  • Avail up to 4 Stars for every cumulative Rs500 spent on achieving spends of more than Rs15,000 in the current billing cycle
  • Avail up to 8 Stars for every cumulative Rs500 spent on achieving spends of more than Rs30,000 in the current billing cycle

Spend Based Reversal:

  • The joining and annual renewal fee of the card is Rs499 plus applicable taxes
  • Reversal of renewal fee on achieving spends of Rs1,00,000 in the previous year


Pay with Reward Points (Stars):

  • Redeem Stars instantly while making UPI payments using the Google Pay Flex SBI Card on Google Pay App to earn instant credit, or against an array of exclusive vouchers on the Google Pay App.
  • 1 Star = rs1

Pay in EMI:

  • Convert the latest outstanding bill into easy EMI’s


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