Base reward rate: Earn 1 star per ₹500 spent, boosted up to 8 stars per ₹500 on monthly spends over ₹30,000. 1 star = ₹1 via Google Pay UPI.
Redemption options: UPI
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Completely free to own with ₹0 joining and ₹0 annual fees, making it a true lifetime-free card.
Strong welcome benefit worth ₹500 (₹250 gift card + 250 bonus stars) which is excellent for a zero-fee card.
High accelerated reward rate of up to 1.6% (8 Stars per ₹500) on monthly spends exceeding ₹30,000.
Unique and flexible reward redemption directly for UPI payments via the Google Pay app at a 1 Star = ₹1 value.
Provides a dining discount of up to 15% (capped at ₹500 per month) through the EazyDiner program.
Cons
Extremely low base reward rate of just 0.2% (1 star per ₹500 spent), which is significantly below the entry-level segment baseline.
The reward structure is complex and only becomes valuable with high monthly spends (over ₹15,000), making it unsuitable for low spenders.
Reward redemption is exclusively restricted to UPI payments within the Google Pay app, offering no flexibility for statement credit or other options.
A broad list of excluded spending categories, including insurance, rent, wallet loads, and jewellery, significantly limits opportunities to earn rewards.
Best Use Case
Users who frequently use Google Pay for UPI transactions and can achieve high monthly spending to maximize rewards.