Google Pay Flex SBI Card
SBI
₹499
Joining fee
₹499, waived at ₹1L spend
Annual fee
Reversed on spending Rs 1 lakh or more in a year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–70
Income described only as 'start-up capital availability required' — unclear/non-standard phrasing, likely a poor paraphrase of an income requirement rather than a precise figure; credit score described only as 'best credit score' per issuer evaluation, no specific CIBIL number given
Sources disagree: Official page separately mentions 'up to 8X stars and 2 stars per Rs 500 spent' and a Rs 1,000 welcome benefit — not perfectly reconciled with the aggregator's tiered Star Points breakdown.
Reward details
Tiered Star Points: 1X (base) = 0.20% cashback
- 0.40% cashback on 2X tier (after Rs 100+ spend in previous cycle)
- 0.80% cashback on 4X tier (2X tier + Rs 15,000/month spend)
- 1.60% cashback on 8X tier (4X tier + Rs 30,000/month spend)
Welcome bonus: Rs 500 Google Play gift card; 500 Star Points on fee payment
Redemption
Reward points convert at Rs 1 per point; no other redemption options detailed by aggregator
Ratio: 1 point = Rs 1
- Official page separately states 'up to 8X stars and 2 stars per Rs 500 spent' and a Rs 1,000 welcome benefit — inconsistent with the aggregator's tiered breakdown, unresolved
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low base fee; tiered reward potential up to 1.60% for high spenders; welcome benefits — myRupaya
Complaints
- Low base reward rate of 0.20%; casual users or lower spenders may not reap significant rewards — myRupaya
Sources
- Official — partial highlights only
- Aggregator — fees, eligibility, forex, rewards, sentiment