New Delhi, Dec. 19 -- After transforming how India pays, UPI is now quietly reshaping how the country accesses credit. Google Pay and Axis Bank have jointly launched Flex, a UPI-powered, co-branded credit card offering that aims to collapse the traditional boundaries between cards, payments, and apps.

The Google Pay Flex Axis Bank Credit Card, built on the RuPay network, is the first product under this new Flex offering. It is designed to make credit function as seamlessly as UPI payments, digital-first, app-native, and instantly usable.

For users, the promise is simple: apply within minutes, pay anywhere UPI is accepted, track spending inside the Google Pay app, earn rewards instantly, and convert bills into EMIs without leaving the pl...