Google Pay Flex SBI Card
SBI Card · Checked 2026-10-09
Google Pay Flex SBI Card is a paid card focused on shopping rewards, online spending and reward points, charging ₹499 annually before GST.
CardIQ editorial view
Our take
Google Pay Flex SBI Card is a paid card focused on shopping rewards, online spending and reward points, charging ₹499 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 1 Star per ₹500 cumulative eligible spend; 2 Stars if the previous cycle had at least ₹100 spend.
- 1 Star = ₹1, redeemable through Google Pay; up to 1,500 Stars per reward cycle.
Trade-offs to understand
- Spend milestones can increase the Star multiplier; verify milestone and exclusion terms.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 1 star per ₹500 cumulative eligible spend; 2 stars if the previous cycle had at least ₹100 spend valuable enough to clear the fee. Factor in this condition: Spend milestones can increase the Star multiplier; verify milestone and exclusion terms.
Compare before deciding
- AU Altura+ — A similarly priced alternative for comparing shopping rewards and reward points.
- CRED IndusInd Bank RuPay — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- 1 Star = ₹1, redeemable through Google Pay; up to 1,500 Stars per reward cycle.
- Spend milestones can increase the Star multiplier; verify milestone and exclusion terms.