Skip to main content

Google Pay Flex Axis Bank Credit Card VS Fibe Axis Bank RuPay 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.
Verified
Last updated: 17 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

Apply Now
CheQ AU Credit Card
Google Pay Flex Axis Bank Credit Card
Google Pay Flex Axis Bank Credit Card
Fibe Axis Bank RuPay Credit Card
Fibe Axis Bank RuPay Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.50% base forex markup; 1.5% + taxes for Dynamic Currency Conversion.
Foreign Transaction Fees3.5% of the Transaction Amount
Interest Rate (APR)3.75% per month (55.54% per annum) for retail purchases and cash.
Interest Rate (APR)3.6% Per Month (52.86% Yearly)

Rewards & Benefits

Welcome BonusGet a ₹250 gift card and 250 stars on the Google Pay app (subject to offers run by Google Pay).
Welcome Bonus
Rewards RateEarn 1 Star (₹1) for every ₹500 spent, up to 8 Stars (₹8) per ₹500 on higher spends.
Rewards RateUp to 3% cashback on entertainment, food delivery & commute; 1% on other spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic lounge access every quarter, totaling 4 per year.
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits4 complimentary domestic lounge accesses annually and 3% cashback on commute transactions.
Movie Benefits
Movie BenefitsEnjoy up to 3% cashback on entertainment spends.
Dining BenefitsUp to 15% off on dining via EazyDiner, capped at ₹500 per month.
Dining BenefitsReceive a 15% discount up to Rs. 500 on over 1000 restaurants with Axis Bank Dining Delights.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver on transactions between Rs. 400-5,000, max waiver Rs. 400 per cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges
Cash Advance Charges2.5% of transaction amount or a minimum of Rs. 500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Google Pay Flex Axis Bank Credit Card

Fibe Axis Bank RuPay Credit Card

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.

Who is it for?

The Fibe Axis Bank RuPay Credit Card is India's first numberless credit card, co-branded by Fibe and Axis Bank, offering enhanced security and UPI payment capabilities. This lifetime free card provides up to 3% cashback on entertainment, food delivery, and commute, along with 1% on other eligible spends. Cardholders also enjoy 4 complimentary domestic lounge accesses annually and a 15% discount on dining. It's an excellent choice for first-time credit card users or those seeking a secure, feature-rich, UPI-enabled card.

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.

Pros

Key benefits and features.

Seamless UPI transactions are possible by linking the Fibe Axis Bank card to UPI applications.

Enjoy 3% cashback on entertainment, commute, and food delivery spends with this card.

It is a lifetime free credit card with zero joining, annual, or renewal fees.

Offers 4 complimentary domestic lounge accesses per year, enhancing travel benefits.

The numberless design of the Fibe Axis Bank Credit Card provides enhanced security.

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.

Cons

Key drawbacks and limitations.

The Fibe Axis Bank RuPay Credit Card does not offer any welcome benefits upon joining.

Cashback is not applicable on several categories like fuel, rent, and wallet reloads.

The card offers introductory cashback on a few categories, which might be perceived as limited.

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