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SBI Card and Google announced the Google Pay Flex SBI Card on July 29, 2026. Available through the Google Pay app on RuPay and Visa, it combines app-based card management with credit-card payments. Its ₹499 annual fee (plus applicable taxes) is not waived automatically: the renewal fee is waived only after at least ₹1 lakh in spending in the preceding year. RuPay users also get UPI QR payment and Star redemption features that are not described as available on Visa cards.
What is the Google Pay Flex SBI Card?
It is a co-branded credit card issued by SBI Card and offered through Google Pay. Google announced it on July 29, 2026, and says applicants can apply in the app; SBI Card reviews the application and digitally issues the card if approved. The card is available on the RuPay and Visa networks. Google’s launch announcement and SBI Card’s media index list the launch.
Applying in Google Pay does not guarantee approval. Google says SBI Card assesses eligibility using its own criteria and the applicant’s credit profile. The card can be used for online and in-store purchases on either network. Google describes UPI QR payments as a feature for RuPay cards.
Fees: ₹499, with a conditional renewal waiver
The published joining/annual fee is ₹499 plus applicable taxes, and the renewal fee is also ₹499 plus taxes. SBI Card waives the renewal fee if the cardholder spends at least ₹1 lakh in the preceding year. That is a spend-based waiver, not a lifetime-free offer. See SBI Card’s product and fee terms and Google Pay Help’s Flex fee information.
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RuPay versus Visa: UPI and Stars differ
| Feature | RuPay Flex SBI Card | Visa Flex SBI Card |
|---|---|---|
| Online and in-store card payments | Available, subject to merchant acceptance | Available, subject to merchant acceptance |
| UPI QR payments | Google describes this feature for RuPay cards | Not described as available for Flex Visa cards by Google’s cited help |
| Redeem Stars against Flex payments in Google Pay | Google says this is available for RuPay-network cards | Not described as available for Flex Visa cards |
Google Pay’s Flex help page says Stars are reward points earned on eligible Flex payments and that one Star equals ₹1, as stated in Google’s July 2026 announcement. Stars may be redeemed against Flex payments in Google Pay only for RuPay-network cards; Google also says Stars can be used to buy gift cards in the app. Do not assume the payment-redemption option applies to Visa. Eligibility and applicable terms govern earning and redemption.
Managing the card in Google Pay
Google says Flex customers can view bills, amounts due, transactions and Stars in Google Pay, and can pause or block the card. Eligible transactions may be converted into EMI, subject to issuer rules. Spending-limit controls shown in Google Pay Help are identified there as an Axis Bank feature; Google’s cited materials do not establish that control for the SBI card.
EMI: optional, eligibility-dependent borrowing
EMI conversion is not a promise that every cardholder or purchase will qualify. Google Pay says conversion is subject to issuer eligibility, applies to the latest bill, may require an upfront payment, carries interest and can include a processing fee. Its bill-management guidance lists 3-, 6-, 9- and 12-month tenures. SBI Card’s Pay in EMI terms describe an offer for selected eligible customers and eligible retail transactions from the latest bill through Google Pay.
Rank #3
- RFID Protection: An electromagnetically opaque layer helps block unauthorized scans, protecting credit card, debit card, and passport information from nearby readers; This RFID blocking card helps prevent digital skimming by shielding your wallet from electronic theft
- Threats Stay Outside: Digital pickpockets use hidden readers to skim contactless cards in crowds, transit and checkout lines; This credit card protector works as an RFID blocker the moment it's placed in your purse or wallet, stopping electronic theft before it occurs
- Invisible Yet Active: Ultra-thin and sized to fit any wallet slot, this rfid blocking card adds no bulk; Invisible protection helps shield your debit cards and IDs from electronic skimming without changing the way you carry your wallet
- One Card Protects All: Forget slipping every card into a separate RFID sleeve, just one RFID blocking card protects every contactless card, passport, and license all at once; Carry it in a purse, travel pouch or cardholder and stay shielded at airports, transit hubs and during daily commutes
- Drop and Defend: Keep the RFID blocking card in your wallet or travel bag, or save it as a backup; Simply insert it alongside your credit and debit cards for immediate protection against identity theft — no charging, no setup
The final cost and availability depend on the customer, transaction and current issuer terms. Google identifies paying the full bill as the recommended way to avoid interest charges. Review the amount due, interest, fees and any upfront payment shown for the specific EMI offer before accepting it.
Announced Google offers: check whether they are live
In its July 29, 2026 announcement, Google said Flex customers would soon be eligible for 50% off Google AI Plus for one year and could get a discount across the Google Pixel smartphone range. The announcement did not establish that these offers are currently available or set out their detailed terms. Confirm availability and conditions in Google Pay or the relevant offer terms before relying on either benefit. Google’s launch post
Rank #4
- Secure Your Information: Simply insert the RFID blocking card into your wallet to protect against digital pickpocketing. Block unauthorized scanning of your contactless cards, including credit/debit cards, passports, driver's licenses - to safeguard your identity and financial security
- Effective Protection: Our RFID blocking card utilizes advanced electromagnetic shielding technology, which features an embedded antenna mesh and chip that instantly detects and scrambles scanning attempts, providing consistent and reliable protection for the entire wallet
- Ultra Slim & Easy to Use: Credit-card-sized and just 0.03 inches (0.76 mm) thick, it slips easily into your wallet, purse or card holder adding no bulk. No charging or batteries needed. It will not demagnetize other cards, nor interfere with your phone signals
- A Thoughtful Gift: Give the practical gift of security. Effortlessly protecting your loved ones from digital theft – offering instant peace of mind, which is a truly meaningful way to show your care
- Test the Card: Test our RFID blocking card at self-checkout: Layer your contactless card with our RFID card on the reader - payment fails instantly, error message pops up
Can using the card affect your credit score?
Google says Flex credit usage is reported to credit bureaus such as CIBIL. In Google’s product guidance, timely payments may help build positive credit history, while missed payments or high credit utilisation may hurt a score. These are possible effects, not a guaranteed score increase or decrease; the outcome depends on credit reporting and the person’s overall credit profile. Google Pay Help
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Who should consider it?
The card may suit someone who wants to manage an SBI credit card inside Google Pay and expects to use its network-specific features. Compare the terms against your actual habits before applying:
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Best Value
- This credit card holder is made of aluminum shells, ABS plastic frame and clasp closure, RFID-blocking will protect your card data from RFID scanners and readers.
- The size is 4.33 x 2.95 x 0.75 inches, Slim and small exterior design, are fit in your front pocket,suitable for travel and business carrying.
- Latches safely and securely when not in use. Rounded corner wouldn't damage on your clothes. With 7 accordion Slots, Capacity for up to more than 10 credit cards or more than 20 business cards.
- There are various patterns to choose from on the aluminum shell, including flowers, animals, and landscapes, to match your versatile style.
- This is an ideal gift that can express your thoughtfulness and kindness. Suitable for any day you want to express love on, such as Valentine's Day, birthdays, Mother's Day, etc.
- Fee: Decide whether the ₹499 annual fee plus taxes, and the ₹1 lakh preceding-year spend needed to waive renewal, fit your spending.
- Network: Choose RuPay if UPI QR payments or redeeming Stars against Flex payments in Google Pay matters to you. The cited materials do not describe those features for Visa.
- Rewards: Check which transactions earn Stars and whether your chosen network supports the redemption you want.
- EMI: Treat EMI as optional credit with eligibility checks and possible interest, fees and an upfront payment—not as a cost-free instalment feature.
It is not a like-for-like fee comparison with Google Pay’s Axis Flex card: Google Pay Help lists Axis at nil fees, while the SBI card has a fee and a conditional renewal waiver. Compare current terms for each issuer rather than assuming the products share the same pricing or controls. Google Pay Help
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
