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Axis Bank Kwik Credit Card VS Google Pay Flex Axis Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 May 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Axis Bank Kwik Credit Card
Axis Bank Kwik Credit Card
Google Pay Flex Axis Bank Credit Card
Google Pay Flex Axis Bank Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverLifetime free card — no joining or annual fees regardless of spend.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.50% base forex markup; 1.5% + taxes for Dynamic Currency Conversion.
Interest Rate (APR)3.7% per month (APR 55.55% per annum) on retail purchases and cash advances.
Interest Rate (APR)3.75% per month (55.54% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome BonusNil joining and annual fees with instant virtual card issuance; earn 2 EDGE reward points per ₹200 on eligible spends.
Welcome BonusGet a ₹250 gift card and 250 stars on the Google Pay app (subject to offers run by Google Pay).
Rewards Rate2 EDGE reward points per ₹200 spent on domestic and international transactions (excluding excluded categories).
Rewards RateEarn 1 Star (₹1) for every ₹500 spent, up to 8 Stars (₹8) per ₹500 on higher spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee₹99 per redemption on EDGE rewards platform; ₹199 for conversion/transfer of EDGE points/miles to other partner loyalty programs.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInstant virtual card for immediate use; UPI linking for international transactions; fuel surcharge waiver up to ₹150/month on fuel spends ₹400–₹4,000.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsUp to 15% off on dining via EazyDiner, capped at ₹500 per month.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% + GST (may apply in lieu of 1% waiver in certain cases); 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000, capped at ₹150 per month.
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesMin ₹500 up to 2.5% of the cash withdrawal amount.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Kwik Credit Card

Google Pay Flex Axis Bank Credit Card

Who is it for?

The Axis Bank Kwik Credit Card is a lifetime free RuPay entry-level card built for seamless UPI-based spending and instant virtual card access. It offers 2 EDGE reward points per ₹200 on eligible domestic and international transactions, plus a monthly fuel surcharge waiver up to ₹150. Ideal for users who want no-fee everyday spending with rewards while avoiding high-interest balances and fee-incurring categories.

Who is it for?

The Google Pay Flex Axis Bank Credit Card is a UPI-first card designed for active Google Pay users, offering a rewarding, no-fee experience. It features waived joining and annual fees, a tiered reward structure up to 8X stars on eligible spends, and instant cashback redemption directly on Google Pay. This card is ideal for individuals with moderate to high monthly spending who seek substantial cashback for everyday transactions, including fuel and dining, all managed seamlessly through the Google Pay app.

Pros

Key benefits and features.

Lifetime free card with zero joining and annual fees, ideal for cost-conscious users seeking a no-fee credit card.

Instant virtual card issuance with UPI linking enables immediate use for domestic and international transactions.

Earn 2 EDGE reward points per ₹200 on eligible domestic and international spends with transparent accrual timelines.

Monthly fuel surcharge waiver up to ₹150 on fuel purchases between ₹400 and ₹4,000 adds practical value for drivers.

Simple fee structure on core card features with no renewal charges and redemption options via EDGE rewards platform.

Pros

Key benefits and features.

Enjoy the benefit of zero joining and annual fees, making it a truly free card.

Benefit from high reward rates, earning up to 8X stars on cumulative spends.

Redeem earned stars instantly as cashback directly on the Google Pay app.

All fuel transactions are eligible for reward earnings, maximizing your savings.

Access exclusive dining discounts of up to 15% via EazyDiner every month.

Cons

Key drawbacks and limitations.

No published redemption value or partner transfer ratios for EDGE points can limit perceived utility of rewards.

High interest rate of 3.7% per month (55.55% per annum) makes carrying balances expensive and risky.

Multiple transaction-level fees from 2024 onward on wallet loads, fuel, education, utilities, gaming, and rent may erode value for certain usage patterns.

Broad exclusions from rewards on wallet loads, fuel, rentals, cash withdrawals, insurance, repayments, jewellery, education, government services, EMIs, and UPI transactions under ₹2000 restrict earning potential.

Late payment fees escalate up to ₹1,200 plus additional charges for missed Minimum Amount Due cycles, increasing cost of slip-ups.

Cons

Key drawbacks and limitations.

Top reward tiers (4X, 8X) are promotional and subject to change by Google Pay.

Reward earning is based on cumulative ₹500 spend blocks, potentially causing minor rounding losses.

The card lacks explicit mention of rewards or benefits on international transactions.

This card does not offer any travel benefits such as complimentary lounge access.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Kwik Credit Card(opens in new tab)Apply for Google Pay Flex Axis Bank Credit Card(opens in new tab)