New Delhi: Google has introduced a new way to use credit on UPI in India. The company has launched “Flex,” a digital-first, UPI-enabled credit card ecosystem through Google Pay, in partnership with Axis Bank.
The Google Pay Flex Axis Bank Credit Card allows users to make UPI payments directly from a credit line instead of a savings account. The card operates on the RuPay network and is fully integrated within the Google Pay app, reflecting the growing convergence of credit products with India’s real-time payments infrastructure.
Unlike traditional credit card usage, Flex enables users to scan a UPI QR code at offline merchants or pay online while borrowing from their approved credit limit. The transaction flow remains similar to standard UPI payments, but the settlement happens through credit, potentially expanding the use of credit for small-value, everyday transactions.
Users can apply for the card digitally within the Google Pay app, completing the onboarding and approval process without physical documentation. Once activated, cardholders can manage key features such as transaction limits, card status, PIN resets, and card details directly from the app. This shifts routine credit card controls into a single digital interface, reducing dependence on bank branches or separate card apps.
Google Pay has also linked a rewards mechanism to Flex transactions. Eligible payments earn “Stars,” where each Star is equivalent to one rupee. These rewards can be redeemed against future Flex payments, allowing users to offset spending without waiting for a billing cycle. The structure mirrors prepaid-style incentives but applies them to a credit product.
The launch comes as banks and fintech platforms increasingly explore UPI-linked credit to deepen formal credit access and increase card usage beyond high-value purchases. While Flex is currently being rolled out in phases, users must join a waitlist to access the product.
