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Axis Bank KWIK RuPay 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

Both Google Pay Flex Axis Bank Credit Card and Axis Bank KWIK RuPay Credit Card suit shopping-focused spenders, but they earn and cost differently. Google Pay Flex Axis Bank Credit Card is lifetime-free and earns 1 Star (₹1) for every ₹500 spent, up to 8 Stars (₹8) per ₹500 on higher spends. Axis Bank KWIK RuPay Credit Card is lifetime-free and earns 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions. Google Pay Flex Axis Bank Credit Card also brings get a ₹250 gift card and 250 stars on the Google Pay app (subject to offers run by Google Pay). If dining spending matters more, go with Google Pay Flex Axis Bank Credit Card; if shopping is the priority, Axis Bank KWIK RuPay Credit Card fits better.

Axis Bank KWIK RuPay Credit Card
Axis Bank KWIK RuPay 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 Waiver
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.50% base forex markup; 1.5% + taxes for Dynamic Currency Conversion.
Interest Rate (APR)3.6% per month (equivalent to 52.86% per annum).
Interest Rate (APR)3.75% per month (55.54% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome Bonus
Welcome BonusGet a ₹250 gift card and 250 stars on the Google Pay app (subject to offers run by Google Pay).
Rewards RateEarn 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions.
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 FeeRs. 49 plus taxes for redeeming 300 to 10,000 EDGE Reward Points; Rs. 99 plus taxes for >10,000 points.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
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% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000, max Rs. 150/month.
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank KWIK RuPay Credit Card

Google Pay Flex Axis Bank Credit Card

Who is it for?

The Axis Bank KWIK RuPay Credit Card is a lifetime free offering designed for seamless UPI payments, integrating credit card benefits with everyday transactions. It provides an instant virtual card via the Kiwi app, allowing users to earn 2 EDGE Reward Points for every Rs. 200 spent on domestic and international transactions. This card is ideal for individuals seeking a no-fee credit card that excels in UPI-based spending and general shopping, even at small and rural merchants. While lacking premium travel or lounge benefits, its core value lies in convenience and consistent rewards.

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.

It is a lifetime free credit card, with no joining or annual fees.

Cardholders receive a virtual credit card instantly upon approval via the Kiwi mobile app.

Offers seamless UPI transaction capability, allowing credit card use at merchants with QR codes.

Provides a decent reward rate of 2 EDGE RPs per Rs. 200 spent on domestic and international transactions.

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.

Does not offer international or domestic lounge access.

Lacks specific benefits for travel, dining, movies, golf, or insurance.

Significant reward point exclusions on common spends like fuel and rent.

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 RuPay Credit Card(opens in new tab)Apply for Google Pay Flex Axis Bank Credit Card(opens in new tab)