Google Pay Flex SBI Card
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
All eligible spends, once monthly spend passes ₹15,000 | 0.4% | ₹1,500/monthly |
All eligible spends, once monthly spend passes ₹30,000 | 0.8% | ₹1,500/monthly |
| All other spends | 0.2% | No cap |
Redemption fee: 99
Managed via Google Pay app — instant cashback on UPI payments, or vouchers
Transfer partners
Live Offers
63 activeBenefits
Fuel Surcharge Waiver
None published. Unusually, this card EARNS Stars on fuel — SBI states 'Earn Stars on all eligible spends (including fuel)' — where every other SBI card excludes it. No surcharge waiver appears on the captured pages.
Welcome Benefit
Welcome gift worth ₹500 on the Google Pay app
500 Stars on payment of the joining fee
2 Stars for every ₹500 spent cumulatively in the first two billing cycles
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹499/yr |
| Renewal Fee | ₹499/yr |
| Fee Waiver | Spend ₹1,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
