Google has launched a new UPI-linked credit card in India called Flex by Google Pay, developed in partnership with Axis Bank. Built on the RuPay network and utilizing the Unified Payments Interface (UPI), this virtual card allows users to apply directly through the Google Pay app in just a few minutes. Once issued, users can make payments at millions of offline and online merchants. The card features a rewards program where users earn ‘stars’ that can be redeemed instantly, with each star valued at ₹1. This launch targets India’s large, underserved population of credit users, where only about 50 million people currently hold credit cards. Google Pay already commands a significant share of the UPI market, contributing over a third of all UPI transactions, trailing only PhonePe. The Flex card aims to address the everyday credit needs of consumers, offering a new way to manage daily expenses with flexibility. Google has previously ventured into credit offerings by collaborating with local banks to provide personal loans and gold-backed loans.