Google Pay Launches FLEX: India’s First UPI-Linked Digital Credit Card with Axis Bank

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Google Pay has introduced a new co-branded digital credit card, FLEX, in collaboration with Axis Bank, marking a significant advancement in integrating credit cards with UPI-based payments in India. Built on the RuPay network, the Google Pay FLEX Axis Bank Credit Card enables users to make credit-powered UPI payments by scanning QR codes, enhancing the convenience of digital transactions for daily use.

Seamless UPI-Credit Integration with FLEX

The FLEX card allows users to link their credit line directly to their UPI account within the Google Pay app. This integration lets customers pay merchants using UPI while utilizing credit, merging the simplicity of QR-based payments with the flexibility of a credit card. Unlike traditional credit cards, FLEX provides instant cashback or rewards at the point of transaction rather than waiting for the billing cycle to end.

Instant Digital Issuance and Exclusive User Benefits

Eligible users can apply for the FLEX card at zero cost through the Google Pay app and receive a virtual card within minutes. The rollout is being conducted in phases, with a waitlist available for interested users. The fully digital onboarding process is designed to eliminate friction, encouraging more users to adopt formal credit through familiar UPI workflows.

Innovative Financial Tools and Merchant Features

Alongside FLEX, Google Pay has launched “Pocket Money”, a feature that helps parents teach children financial responsibility. Built on the UPI Circle framework, it allows controlled spending with monthly limits up to ?15,000 or per-transaction approval. Additionally, Google Pay has introduced new tools for small merchants, including post-payment customer ratings and AI-powered advertising features within the Google Pay for Business app.

Transforming India’s Digital Payments Landscape

The launch of a UPI-linked credit card represents a major evolution in India’s digital payments ecosystem, bridging the gap between bank credit and instant payments. By combining credit access, parental controls, and merchant tools in a single platform, Google Pay aims to boost user engagement, support financial inclusion, empower small businesses, and promote responsible digital finance practices.

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