Google Launches Its First-Ever Credit Card in India on RuPay

Overview: Google has entered India’s credit market by launching its first-ever co-branded credit card in partnership with Axis Bank. The card operates on the RuPay network and is fully UPI-enabled, allowing seamless QR-based payments via Google Pay. This initiative strengthens India’s digital credit ecosystem and promotes cashless transactions.

Riyaz

Dec-18-2025

Google Launches Its First-Ever Credit Card in India on RuPay

Google has also rolled out its first credit card product in India, the Google Pay Flex Axis Bank Credit Card, a fully digital, UPI-based, co-branded credit card created on the RuPay network in conjunction with Axis Bank. The card, available within the Google Pay app, can be applied for instantly without any paperwork and can be linked to UPI to make payments at millions of merchants by connecting your RuPay credit card. It offers features such as instant rewards, customizable repayments, and in-app spending management, marking Google's first steps in the Indian credit sphere and expanding online access to credit.

Key Features of Google’s Co-Branded Credit Card

Digital credit card, fully UPI-enabled and available directly in the Google Pay application, with a paperless application procedure.
Works on the Ru pay network, which enables one to pay at a very wide variety of online and offline retailers in India.
Allows the connection of the credit card with UPI to organic QR payments.
Rewards customers with instant in-app redemption on qualifying transactions.
Offers intelligent in-app scalability on spending tracking, bill management, security, and flexible repayment plans such as EMIs.

Axis Bank Driving RuPay–UPI–Based Digital Credit

Axis Bank and Google Pay have joined hands to create a co-branded credit card that is fully digital and UPI-based, and functions under the RuPay network.
The bank facilitates easy integration of the credit card with UPI, which offers Google Pay payments in QR or at merchants.
Axis Bank offers safe banking facilities to issue digital credit and manage credit management in real time.
The partnership helps in the use of credits flexibly, repayments, and EMIs on the app.
This project enhances the use of digital credits using RuPay and UPI nationwide.

PYQs on Credit Cards, Debit Cards, RuPay & UPI

Question Asked	Answer	Exam Name	Year
Which organization operates the RuPay card payment network?	NPCI	SSC CGL	2019
RuPay is India’s indigenous card payment system developed by?	National Payments Corporation of India	SSC CHSL	2020
Which card is linked directly to a bank account?	Debit Card	RRB NTPC	2018
UPI stands for what?	Unified Payments Interface	SSC MTS	2019
Which body regulates UPI in India?	RBI	SSC GD	2021
Which payment system allows instant bank-to-bank transfers via mobile?	UPI	RRB Group D	2022
Credit cards allow spending based on which facility?	Credit Limit	SSC CGL	2022
Which Indian payment system competes with Visa and Mastercard?	RuPay	UPSC Prelims	2021
Which platform enables linking RuPay credit cards with UPI?	UPI	SSC CHSL	2023
Which ministry promotes digital payments like UPI and RuPay?	Ministry of Finance	SSC GD	2023
UPI was launched in which year?	2016	RRB NTPC	2020
Which organization manages UPI operations?	NPCI	SSC CPO	2022
Which card type charges interest if payment is delayed?	Credit Card	SSC MTS	2022
RuPay cards are accepted domestically and internationally under which initiative?	Discover / Global alliances	SSC CGL	2023
Which digital payment system uses VPA instead of an account number?	UPI	SSC GD	2024

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Conclusion

The launch of the first-ever credit card Google has ever done in India on the RuPay card system is a significant move towards the expansion of access to digital credits. The program enables India to improve its digital payments system and become a global leader in fintech development by integrating UPI convenience, the ubiquitous nature of the RuPay, and banking services.