UPI credit card India : Google Pay introduces Flex, a UPI-powered credit card to India through a partnership with Axis Bank.

UPI credit card India : Google has introduced Flex by Google Pay, a brand-new digital credit product designed exclusively for Indian users. This starts with the Google Pay Flex Axis Bank Credit Card. This new digital product will be a co-branded credit card that fully integrates with the Google Pay app.

Unlike traditional credit cards, Flex combines the simplicity of a UPI payment with the flexibility of a credit line, allowing customers to pay later by scanning a QR code or making an online payment..

UPI credit card India : How the Flex Credit Card Works

Flex is powered by the RuPay network and may thus be used to make payments at millions of online and offline merchants that accept RuPay and UPI.

Upon approval, users can:

Payments with credits, as in UPI
Payment at brick-and-mortar stores, online, and apps.
Apply for a credit card without having one.
All transactions are conducted through the Google Pay app, eliminating the need for actual cards and paperwork.

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Fully digital application with fast access.

According to Google, taking out a Flex credit card takes only a few minutes of the applicant’s time. It also boasts that the entire process, from application to approval for the credit card, is completed online and requires no documentation.

Following approval, the credit limit can be used immediately. This is particularly useful when it is required immediately.
Rewards, EMI options, and controls.
Aside from the convenience of UPI, Google Pay Flex offers the following capabilities that are typical with traditional credit cards:
Reward Program: Users earn “stars” for each transaction.

Star Values:

Each star is equal to one rupee and can be redeemed immediately.
Repayment Options: Full Bill Payment or Purchase Option for EMI
In-app controls: Spend limitations, ban and unblock the card, alter the PIN, and monitor transactions.
All capabilities are accessible through the Google Pay app itself.

Reasons Why Google Launched Flex in India

According to Google, India now has only 50 million credit card holders, despite having hundreds of millions of UPI users. Flex wants to close this gap by making credit card services more accessible, especially to people who use UPI but do not have a traditional credit card. With RuPay, UPI, and digital onboarding, Google and Axis Bank are reaching out to a far larger audience.

Availability and deployment timetable

Flex by Google Pay has begun its launch phase as of Wednesday. Users who are concerned about acquiring this app can sign up using the Google Pay app and join a waiting. Google has confirmed a broader launch in India in a few months.